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Understanding Market Cycles: Investing with Patience and Faith? · Becoming Financially Confident

• 0:38
  You
• 0:38
  ever
• 0:38
  been
• 0:38
  on
• 0:38
  a
• 0:39
  roller
• 0:39
  coaster?
• 0:40
  Now
• 0:40
  you're
• 0:40
  thinking,
• 0:40
  ralph,
• 0:41
  I
• 0:41
  tuned
• 0:41
  into
• 0:41
  a
• 0:42
  financial
• 0:42
  Christian
• 0:43
  show.
• 0:43
  What
• 0:43
  are
• 0:43
  you
• 0:43
  talking
• 0:43
  about?
• 0:44
  Roller
• 0:44
  coasters?
• 0:45
  Let's
• 0:46
  talk
• 0:46
  about
• 0:46
  that
• 0:46
  for
• 0:46
  a
• 0:46
  second.
• 0:47
  Because
• 0:48
  one
• 0:48
  thing
• 0:48
  that
• 0:48
  is
• 0:48
  certain
• 0:49
  is
• 0:49
  this.
• 0:49
  The
• 0:50
  stock
• 0:50
  market
• 0:51
  is
• 0:51
  not
• 0:51
  a
• 0:51
  sure
• 0:51
  bet.
• 0:52
  Yes,
• 0:52
  it's
• 0:52
  a
• 0:52
  roller
• 0:53
  coaster.
• 0:54
  And
• 0:54
  I
• 0:54
  got
• 0:54
  this
• 0:54
  question
• 0:55
  and
• 0:55
  I
• 0:56
  thought,
• 0:56
  this
• 0:56
  is
• 0:56
  perfect
• 0:57
  for
• 0:57
  today.
• 0:58
  I'm
• 0:58
  talking
• 0:58
  a
• 0:58
  lot
• 0:58
  about
• 0:59
  investments
• 0:59
  in
• 0:59
  this
• 0:59
  series.
• 1:01
  The
• 1:01
  listener
• 1:01
  said
• 1:01
  this.
• 1:02
  He
• 1:02
  said,
• 1:02
  ralph,
• 1:02
  every
• 1:02
  time
• 1:03
  the
• 1:03
  market
• 1:03
  drops,
• 1:03
  I
• 1:04
  panic.
• 1:05
  How
• 1:05
  am
• 1:05
  I
• 1:05
  supposed
• 1:05
  to
• 1:05
  stay
• 1:06
  calm
• 1:06
  when
• 1:06
  it
• 1:06
  feels
• 1:06
  like
• 1:07
  everything
• 1:07
  is
• 1:07
  falling
• 1:08
  apart?
• 1:09
  Kind
• 1:09
  of
• 1:09
  like
• 1:09
  on
• 1:09
  that
• 1:09
  roller
• 1:10
  coaster.
• 1:10
  I'm
• 1:10
  not
• 1:10
  a
• 1:10
  big
• 1:11
  fan
• 1:11
  of
• 1:11
  roller
• 1:11
  coasters.
• 1:11
  I
• 1:12
  get
• 1:12
  on
• 1:12
  there
• 1:12
  and
• 1:12
  I'm
• 1:12
  excited.
• 1:13
  I'm
• 1:13
  going
• 1:13
  to
• 1:13
  go
• 1:13
  up
• 1:13
  and
• 1:13
  down
• 1:14
  on
• 1:14
  this
• 1:14
  roller
• 1:14
  coaster.
• 1:14
  In
• 1:15
  my
• 1:15
  mind.
• 1:15
  I
• 1:15
  think
• 1:15
  I'm
• 1:16
  going
• 1:16
  to
• 1:16
  be
• 1:16
  okay.
• 1:17
  That
• 1:18
  pain
• 1:18
  you
• 1:18
  feel
• 1:18
  when
• 1:19
  the
• 1:19
  market
• 1:19
  crashes,
• 1:20
  that's
• 1:21
  real.
• 1:21
  And
• 1:22
  I've
• 1:22
  felt
• 1:22
  it
• 1:22
  myself
• 1:23
  many
• 1:23
  times.
• 1:24
  Because
• 1:24
  if
• 1:24
  we're
• 1:24
  going
• 1:24
  to
• 1:25
  be
• 1:25
  intellectually
• 1:25
  honest
• 1:25
  with
• 1:26
  each
• 1:26
  other,
• 1:26
  markets
• 1:27
  go
• 1:27
  up
• 1:27
  and
• 1:27
  markets
• 1:27
  go
• 1:28
  down
• 1:29
  and
• 1:29
  it's
• 1:29
  so
• 1:29
  easy
• 1:30
  to
• 1:30
  think,
• 1:30
  oh,
• 1:30
  this
• 1:30
  is
• 1:30
  a
• 1:30
  sign
• 1:31
  of
• 1:31
  doom,
• 1:32
  things
• 1:32
  are
• 1:32
  going
• 1:32
  to
• 1:32
  never
• 1:33
  recover.
• 1:34
  We
• 1:34
  need
• 1:34
  to
• 1:34
  realize
• 1:35
  something.
• 1:35
  It's
• 1:35
  just
• 1:36
  a
• 1:36
  cycle.
• 1:37
  And
• 1:37
  that's
• 1:37
  not
• 1:38
  really
• 1:38
  the
• 1:38
  question
• 1:38
  for
• 1:38
  today.
• 1:38
  The
• 1:38
  question
• 1:39
  isn't
• 1:39
  will
• 1:39
  the
• 1:40
  markets
• 1:40
  go
• 1:40
  up
• 1:40
  and
• 1:40
  down?
• 1:41
  We
• 1:41
  already
• 1:41
  know
• 1:41
  that's
• 1:41
  going
• 1:41
  to
• 1:41
  happen.
• 1:42
  That
• 1:42
  roller
• 1:42
  coaster
• 1:42
  is
• 1:42
  going
• 1:43
  to
• 1:43
  go
• 1:43
  up
• 1:43
  and
• 1:43
  down.
• 1:43
  It's
• 1:43
  going
• 1:43
  to
• 1:43
  do
• 1:44
  all
• 1:44
  kinds
• 1:44
  of
• 1:44
  grooves
• 1:45
  and
• 1:45
  valleys.
• 1:45
  Hey,
• 1:45
  there's
• 1:46
  even
• 1:46
  one
• 1:46
  near
• 1:46
  me
• 1:46
  that
• 1:46
  goes
• 1:47
  completely
• 1:47
  upside
• 1:47
  down.
• 1:48
  I'm
• 1:48
  not
• 1:48
  getting
• 1:48
  on
• 1:48
  that
• 1:48
  one.
• 1:50
  But
• 1:50
  the
• 1:50
  real
• 1:50
  question
• 1:51
  is
• 1:51
  how
• 1:52
  do
• 1:52
  we
• 1:52
  respond
• 1:53
  when
• 1:53
  that
• 1:53
  happens.
• 1:55
  So
• 1:55
  today
• 1:55
  I'm
• 1:55
  going
• 1:55
  to
• 1:55
  help
• 1:55
  you
• 1:56
  respond
• 1:56
  and
• 1:56
  not
• 1:56
  panic
• 1:57
  and
• 1:57
  definitely
• 1:58
  not
• 1:58
  overreact.
• 1:59
  That's
• 1:59
  what
• 1:59
  we're
• 1:59
  going
• 1:59
  to
• 1:59
  cover
• 1:59
  on
• 2:00
  today's
• 2:00
  show.
• 2:01
  This
• 2:02
  is
• 2:02
  Financially
• 2:02
  Confident
• 2:03
  Christian,
• 2:04
  your
• 2:04
  daily
• 2:04
  dose
• 2:04
  of
• 2:05
  gospel,
• 2:05
  grounded
• 2:06
  insight
• 2:06
  and
• 2:06
  faith
• 2:07
  driven
• 2:07
  tips
• 2:07
  to
• 2:08
  help
• 2:08
  you
• 2:08
  break
• 2:08
  the
• 2:08
  cycle
• 2:09
  of
• 2:09
  financial
• 2:09
  shame
• 2:10
  with
• 2:10
  confidence.
• 2:13
  Hey
• 2:13
  there.
• 2:13
  Thank
• 2:14
  you
• 2:14
  for
• 2:14
  joining
• 2:14
  me
• 2:14
  today.
• 2:15
  I'm
• 2:15
  Ralph.
• 2:15
  I'm
• 2:16
  your
• 2:16
  guide
• 2:16
  on
• 2:16
  this
• 2:17
  journey
• 2:17
  to
• 2:17
  really
• 2:18
  improve
• 2:18
  your
• 2:19
  financials
• 2:19
  and
• 2:20
  do
• 2:20
  it
• 2:20
  in
• 2:20
  a
• 2:20
  Christian
• 2:20
  way.
• 2:21
  And
• 2:21
  I
• 2:21
  truly
• 2:21
  appreciate
• 2:22
  the
• 2:22
  trust
• 2:22
  you
• 2:22
  place
• 2:23
  in
• 2:23
  me
• 2:23
  every
• 2:23
  day.
• 2:24
  And
• 2:24
  the
• 2:25
  truth
• 2:25
  is,
• 2:25
  today's
• 2:25
  topic
• 2:26
  affects
• 2:26
  all
• 2:26
  of
• 2:26
  us.
• 2:27
  No
• 2:27
  one's
• 2:27
  immune
• 2:27
  from
• 2:28
  this
• 2:28
  because
• 2:28
  as
• 2:28
  I
• 2:28
  said
• 2:29
  before,
• 2:29
  it's
• 2:30
  a
• 2:30
  certainty
• 2:31
  we're
• 2:31
  going
• 2:31
  to
• 2:31
  have
• 2:32
  market
• 2:32
  cycles.
• 2:33
  And
• 2:34
  over
• 2:34
  30
• 2:34
  years
• 2:34
  of
• 2:34
  my
• 2:35
  career,
• 2:35
  I
• 2:35
  say
• 2:35
  that
• 2:35
  sometimes
• 2:36
  it
• 2:36
  makes
• 2:36
  me
• 2:36
  feel
• 2:36
  really
• 2:37
  old.
• 2:37
  But
• 2:38
  for
• 2:38
  30
• 2:38
  years
• 2:38
  I
• 2:39
  have
• 2:39
  seen
• 2:40
  all
• 2:40
  kinds
• 2:40
  of
• 2:41
  market
• 2:41
  madness.
• 2:42
  I've
• 2:42
  seen
• 2:42
  highs
• 2:43
  that
• 2:43
  were
• 2:43
  you
• 2:43
  never
• 2:44
  thought,
• 2:44
  this
• 2:44
  is
• 2:44
  never
• 2:44
  Going
• 2:45
  to
• 2:45
  get
• 2:45
  this
• 2:45
  high
• 2:45
  again.
• 2:46
  Unfortunately,
• 2:47
  I've
• 2:47
  seen
• 2:47
  those
• 2:47
  lows
• 2:48
  that
• 2:48
  made
• 2:48
  people
• 2:49
  really
• 2:49
  worry
• 2:49
  about
• 2:50
  what
• 2:50
  their
• 2:50
  future
• 2:50
  looks
• 2:51
  like.
• 2:52
  And
• 2:52
  during
• 2:53
  all
• 2:53
  that,
• 2:53
  one
• 2:53
  of
• 2:53
  the
• 2:53
  things
• 2:54
  I
• 2:54
  learned
• 2:54
  is
• 2:55
  the
• 2:55
  fruit
• 2:55
  of
• 2:56
  staying
• 2:56
  steady.
• 2:57
  That's
• 2:58
  something
• 2:58
  I
• 2:58
  really
• 2:58
  talk
• 2:58
  about
• 2:59
  today.
• 2:59
  Investing
• 3:00
  with
• 3:00
  patience
• 3:00
  through
• 3:01
  the
• 3:01
  ups
• 3:01
  and
• 3:01
  the
• 3:01
  downs.
• 3:02
  I
• 3:03
  want
• 3:03
  to
• 3:03
  take
• 3:03
  you
• 3:03
  back
• 3:03
  to
• 3:03
  2008.
• 3:05
  I
• 3:05
  was
• 3:05
  about
• 3:06
  10
• 3:06
  years
• 3:06
  or
• 3:06
  15
• 3:07
  years
• 3:07
  into
• 3:07
  my
• 3:07
  business,
• 3:09
  and
• 3:09
  the
• 3:09
  financial
• 3:09
  crisis
• 3:10
  was
• 3:10
  right
• 3:10
  in
• 3:10
  front
• 3:10
  of
• 3:11
  us.
• 3:11
  And
• 3:11
  I
• 3:11
  had
• 3:11
  people
• 3:11
  calling
• 3:12
  me
• 3:12
  every
• 3:12
  day.
• 3:12
  Now,
• 3:12
  I'm
• 3:12
  not
• 3:12
  a
• 3:12
  broker.
• 3:13
  I
• 3:13
  don't
• 3:13
  give
• 3:14
  financial
• 3:14
  advice.
• 3:14
  I
• 3:15
  don't
• 3:15
  make
• 3:15
  those
• 3:15
  investment
• 3:16
  decisions.
• 3:17
  But.
• 3:17
  But
• 3:17
  people
• 3:17
  rely
• 3:18
  on
• 3:18
  me.
• 3:18
  We've
• 3:18
  built
• 3:18
  relationships.
• 3:19
  And
• 3:20
  I
• 3:20
  had
• 3:20
  so
• 3:20
  many
• 3:20
  clients
• 3:21
  that
• 3:21
  would
• 3:21
  call
• 3:21
  me
• 3:21
  and
• 3:21
  they're
• 3:22
  ready
• 3:22
  to
• 3:22
  cash
• 3:22
  out.
• 3:22
  I'll
• 3:22
  never
• 3:22
  forget
• 3:23
  this
• 3:23
  one
• 3:23
  particular
• 3:23
  woman.
• 3:24
  She
• 3:24
  called
• 3:24
  me
• 3:24
  and
• 3:24
  she
• 3:24
  said,
• 3:24
  ralph,
• 3:25
  I'm
• 3:25
  done.
• 3:26
  This
• 3:26
  madness
• 3:26
  in
• 3:27
  this
• 3:27
  market
• 3:27
  has
• 3:27
  me
• 3:28
  scared
• 3:28
  to
• 3:28
  death.
• 3:28
  I'm
• 3:29
  taking
• 3:29
  all
• 3:29
  my
• 3:29
  money
• 3:30
  out
• 3:30
  and
• 3:30
  I'm
• 3:30
  going
• 3:30
  to
• 3:31
  put
• 3:31
  it
• 3:31
  in
• 3:31
  the
• 3:31
  mattress.
• 3:33
  And
• 3:33
  I
• 3:33
  said
• 3:33
  to
• 3:33
  her,
• 3:34
  listen,
• 3:34
  that's
• 3:34
  not
• 3:34
  a
• 3:34
  really
• 3:34
  good
• 3:35
  plan.
• 3:35
  I
• 3:35
  said,
• 3:36
  yes,
• 3:36
  it's
• 3:36
  scary
• 3:36
  right
• 3:37
  now.
• 3:38
  The
• 3:38
  market
• 3:38
  is
• 3:39
  all
• 3:39
  over
• 3:39
  the
• 3:39
  place.
• 3:39
  We're
• 3:40
  not
• 3:40
  sure
• 3:40
  what's
• 3:40
  going
• 3:40
  to
• 3:41
  happen.
• 3:42
  But
• 3:42
  she
• 3:42
  listened
• 3:43
  to
• 3:43
  me.
• 3:43
  I
• 3:43
  was
• 3:43
  so
• 3:43
  thankful.
• 3:43
  She
• 3:44
  called
• 3:44
  me.
• 3:44
  We
• 3:44
  had
• 3:44
  a
• 3:45
  conversation.
• 3:45
  She
• 3:45
  came
• 3:45
  in
• 3:46
  and
• 3:46
  sat
• 3:46
  down.
• 3:46
  We
• 3:47
  had
• 3:47
  a
• 3:47
  discussion
• 3:47
  about
• 3:48
  this.
• 3:48
  And
• 3:48
  I
• 3:48
  said,
• 3:48
  list,
• 3:49
  you've
• 3:49
  got
• 3:50
  a
• 3:50
  pretty
• 3:50
  big
• 3:50
  time
• 3:51
  horizon.
• 3:51
  At
• 3:51
  the
• 3:51
  time,
• 3:52
  I
• 3:52
  think
• 3:52
  she
• 3:52
  was
• 3:52
  in
• 3:53
  her
• 3:53
  early
• 3:53
  30s.
• 3:54
  She
• 3:54
  had
• 3:54
  time
• 3:54
  for
• 3:55
  the
• 3:55
  market
• 3:55
  to
• 3:55
  recover.
• 3:56
  And
• 3:56
  she
• 3:56
  said,
• 3:56
  okay,
• 3:57
  Ralph,
• 3:57
  I
• 3:57
  want
• 3:57
  to
• 3:57
  take
• 3:57
  your
• 3:57
  trust.
• 3:58
  I
• 3:58
  said,
• 3:58
  don't
• 3:58
  put
• 3:58
  your
• 3:58
  trust
• 3:59
  in
• 3:59
  me.
• 3:59
  Wait
• 3:59
  a
• 3:59
  second,
• 4:00
  I
• 4:00
  said.
• 4:00
  And
• 4:00
  she
• 4:01
  was
• 4:01
  a
• 4:01
  person
• 4:01
  of
• 4:01
  faith.
• 4:01
  I
• 4:02
  said,
• 4:02
  pray
• 4:02
  about
• 4:02
  this
• 4:03
  and
• 4:03
  really
• 4:04
  ask
• 4:04
  God,
• 4:04
  what
• 4:04
  does
• 4:04
  he
• 4:05
  want
• 4:05
  you
• 4:05
  to
• 4:05
  do
• 4:05
  in
• 4:05
  this
• 4:06
  case?
• 4:06
  And
• 4:07
  she
• 4:07
  says,
• 4:07
  okay,
• 4:07
  I'm
• 4:07
  going
• 4:07
  to
• 4:07
  pray
• 4:08
  about
• 4:08
  it.
• 4:08
  Well,
• 4:08
  she
• 4:09
  decided
• 4:09
  to
• 4:09
  stay
• 4:09
  in
• 4:09
  the
• 4:10
  market.
• 4:10
  And
• 4:10
  the
• 4:10
  truth
• 4:10
  is,
• 4:11
  a
• 4:11
  few
• 4:11
  years
• 4:11
  later,
• 4:12
  she
• 4:12
  recovered
• 4:12
  from
• 4:13
  that.
• 4:13
  And
• 4:13
  she
• 4:13
  actually
• 4:14
  grew
• 4:14
  stronger
• 4:15
  than
• 4:15
  ever.
• 4:16
  See,
• 4:16
  she
• 4:17
  believed
• 4:17
  in
• 4:17
  what
• 4:18
  God
• 4:18
  had
• 4:18
  told
• 4:18
  her.
• 4:18
  He
• 4:19
  was
• 4:19
  going
• 4:19
  to
• 4:19
  be
• 4:19
  that
• 4:19
  provision
• 4:19
  for
• 4:20
  it.
• 4:20
  I
• 4:20
  love
• 4:20
  what
• 4:20
  Warren
• 4:21
  Buffett
• 4:21
  said.
• 4:21
  Warren
• 4:22
  Buffett's
• 4:22
  a
• 4:22
  pretty,
• 4:22
  you
• 4:22
  know,
• 4:23
  fancy
• 4:23
  pants
• 4:23
  investment
• 4:24
  guy.
• 4:24
  If
• 4:24
  you
• 4:24
  don't
• 4:25
  know
• 4:25
  Warren
• 4:25
  Buffett,
• 4:25
  he's
• 4:26
  a
• 4:26
  pretty
• 4:26
  smart
• 4:26
  guy.
• 4:26
  And
• 4:27
  he
• 4:27
  said
• 4:27
  this.
• 4:27
  He
• 4:27
  said,
• 4:27
  the
• 4:28
  stock
• 4:28
  market
• 4:28
  is
• 4:29
  designed
• 4:29
  to
• 4:29
  transfer
• 4:30
  money
• 4:30
  from
• 4:30
  the
• 4:30
  impatient
• 4:31
  to
• 4:31
  the
• 4:31
  patient.
• 4:33
  And
• 4:33
  I
• 4:33
  thought,
• 4:34
  wow,
• 4:34
  that's
• 4:34
  a
• 4:34
  really
• 4:34
  good
• 4:34
  way
• 4:35
  to
• 4:35
  say
• 4:35
  it.
• 4:35
  And
• 4:36
  I
• 4:36
  agree
• 4:36
  with
• 4:36
  him
• 4:36
  100%.
• 4:37
  Think
• 4:38
  about
• 4:38
  what
• 4:38
  he
• 4:38
  said.
• 4:38
  I'm
• 4:38
  going
• 4:38
  to
• 4:38
  read
• 4:39
  that
• 4:39
  again
• 4:39
  because
• 4:39
  it's
• 4:39
  so
• 4:40
  impactful.
• 4:41
  The,
• 4:41
  the
• 4:41
  stock
• 4:41
  market
• 4:42
  Those
• 4:42
  ebbs
• 4:42
  and
• 4:43
  flows,
• 4:43
  those
• 4:43
  valleys,
• 4:44
  that
• 4:44
  roller
• 4:44
  coaster
• 4:44
  ride.
• 4:46
  It's
• 4:46
  designed
• 4:46
  to
• 4:47
  transfer
• 4:47
  money
• 4:47
  for
• 4:47
  those
• 4:48
  people
• 4:48
  who
• 4:48
  are
• 4:48
  impatient.
• 4:48
  Those
• 4:49
  people
• 4:49
  are
• 4:49
  going
• 4:49
  to
• 4:49
  go,
• 4:49
  I'm
• 4:50
  out
• 4:50
  of
• 4:50
  this
• 4:50
  market.
• 4:50
  Like
• 4:51
  my
• 4:51
  clients
• 4:51
  said,
• 4:51
  Ralph,
• 4:51
  I'm
• 4:52
  getting
• 4:52
  out
• 4:52
  of
• 4:52
  this.
• 4:52
  I
• 4:52
  can't
• 4:52
  take
• 4:52
  it
• 4:53
  anymore.
• 4:54
  It's
• 4:54
  designed
• 4:55
  to
• 4:55
  transfer
• 4:55
  that
• 4:55
  to
• 4:55
  the
• 4:56
  people
• 4:56
  who
• 4:56
  are
• 4:56
  patient.
• 4:58
  So
• 4:58
  we
• 4:59
  have
• 4:59
  to
• 4:59
  ask
• 4:59
  ourselves
• 4:59
  this
• 5:00
  really
• 5:00
  difficult
• 5:00
  question
• 5:00
  right
• 5:01
  now.
• 5:02
  How
• 5:02
  do
• 5:02
  we
• 5:02
  keep
• 5:02
  from
• 5:03
  panicking
• 5:03
  during
• 5:03
  those
• 5:04
  cycles?
• 5:05
  Because
• 5:05
  you're
• 5:05
  a
• 5:05
  human
• 5:06
  being,
• 5:06
  you
• 5:06
  have
• 5:06
  feelings.
• 5:07
  Listen,
• 5:07
  I've
• 5:07
  been
• 5:07
  there.
• 5:08
  I
• 5:08
  remember
• 5:08
  in
• 5:09
  2008,
• 5:10
  wasn't
• 5:10
  too
• 5:10
  far
• 5:10
  into
• 5:11
  being
• 5:11
  in
• 5:11
  my
• 5:11
  own
• 5:11
  practice.
• 5:12
  I've
• 5:12
  been
• 5:12
  starting
• 5:13
  to
• 5:13
  put
• 5:13
  some
• 5:13
  money
• 5:13
  away
• 5:13
  for
• 5:14
  retirement.
• 5:14
  And
• 5:14
  I
• 5:15
  got
• 5:15
  these
• 5:15
  investment
• 5:15
  statements.
• 5:16
  I'm
• 5:16
  like,
• 5:16
  I'm
• 5:16
  losing
• 5:17
  like
• 5:17
  crazy.
• 5:18
  My
• 5:18
  wife
• 5:19
  and
• 5:19
  I
• 5:19
  are
• 5:19
  sitting
• 5:19
  there,
• 5:19
  we're
• 5:20
  praying
• 5:20
  about
• 5:20
  it,
• 5:20
  we're
• 5:20
  saying,
• 5:20
  what
• 5:21
  should
• 5:21
  we
• 5:21
  do?
• 5:21
  And
• 5:21
  God
• 5:21
  just
• 5:21
  said,
• 5:22
  stay
• 5:22
  the
• 5:22
  course,
• 5:22
  Ralph.
• 5:22
  I
• 5:23
  got
• 5:23
  this.
• 5:24
  So
• 5:25
  here's
• 5:25
  the
• 5:25
  thing.
• 5:25
  I
• 5:25
  want
• 5:25
  you
• 5:25
  to
• 5:25
  understand
• 5:26
  my
• 5:26
  main
• 5:26
  points
• 5:27
  for
• 5:27
  today.
• 5:28
  Market
• 5:28
  cycles,
• 5:29
  starting
• 5:29
  user.
• 5:29
  This
• 5:30
  is
• 5:30
  what
• 5:30
  we
• 5:30
  do.
• 5:30
  This
• 5:30
  is
• 5:30
  the
• 5:31
  heartbeat
• 5:31
  of
• 5:31
  investing.
• 5:32
  When
• 5:32
  you
• 5:32
  get
• 5:32
  on
• 5:32
  that
• 5:32
  roller
• 5:33
  coaster,
• 5:34
  a
• 5:34
  lot
• 5:34
  of
• 5:34
  times
• 5:34
  you're
• 5:34
  taking
• 5:34
  that
• 5:35
  ride
• 5:35
  up
• 5:35
  and
• 5:35
  you
• 5:35
  hear
• 5:35
  that
• 5:35
  click,
• 5:36
  click,
• 5:36
  click,
• 5:36
  click.
• 5:36
  And
• 5:36
  you're
• 5:36
  just
• 5:36
  going
• 5:37
  up
• 5:37
  and
• 5:37
  up
• 5:37
  and
• 5:37
  up,
• 5:37
  and
• 5:38
  you
• 5:38
  get
• 5:38
  to
• 5:38
  the
• 5:38
  top
• 5:38
  and
• 5:38
  you're
• 5:39
  thinking,
• 5:39
  oh,
• 5:39
  guess
• 5:39
  what's
• 5:39
  coming?
• 5:40
  Guess
• 5:40
  what's
• 5:40
  going.
• 5:40
  Yep.
• 5:40
  And
• 5:40
  then
• 5:41
  it
• 5:41
  happens,
• 5:42
  down
• 5:42
  you
• 5:42
  go.
• 5:43
  And
• 5:43
  we've
• 5:43
  got
• 5:43
  to
• 5:44
  accept
• 5:44
  that
• 5:44
  the
• 5:44
  market
• 5:44
  works
• 5:45
  the
• 5:45
  same
• 5:45
  way.
• 5:45
  There
• 5:46
  are
• 5:46
  going
• 5:46
  to
• 5:46
  be
• 5:47
  fluctuations
• 5:47
  in
• 5:48
  the
• 5:48
  market.
• 5:48
  But
• 5:48
  here's
• 5:48
  what
• 5:48
  I
• 5:49
  want
• 5:49
  to
• 5:49
  give
• 5:49
  you,
• 5:49
  a
• 5:49
  little
• 5:49
  reassurance.
• 5:51
  Now,
• 5:51
  listen,
• 5:51
  this
• 5:52
  might
• 5:52
  be
• 5:52
  broker
• 5:52
  talk
• 5:52
  a
• 5:53
  little
• 5:53
  bit,
• 5:53
  because
• 5:53
  I
• 5:53
  remember
• 5:53
  when
• 5:54
  I
• 5:54
  was
• 5:54
  younger,
• 5:54
  my
• 5:55
  broker
• 5:55
  would
• 5:55
  always
• 5:55
  say
• 5:55
  this
• 5:55
  to
• 5:55
  me,
• 5:56
  say,
• 5:56
  ralph,
• 5:56
  don't
• 5:56
  worry
• 5:56
  about
• 5:57
  it.
• 5:57
  Over
• 5:57
  time
• 5:57
  it
• 5:58
  always
• 5:58
  improves.
• 5:59
  But
• 6:00
  when
• 6:00
  you
• 6:00
  look
• 6:00
  back
• 6:00
  and
• 6:00
  you're
• 6:01
  honest
• 6:01
  about
• 6:01
  it,
• 6:01
  you
• 6:01
  look
• 6:02
  back,
• 6:02
  every
• 6:02
  single
• 6:03
  dip
• 6:03
  has
• 6:03
  eventually
• 6:04
  turned
• 6:04
  into
• 6:04
  growth.
• 6:05
  It
• 6:05
  just
• 6:06
  has.
• 6:06
  Now
• 6:07
  we
• 6:07
  could
• 6:07
  say,
• 6:07
  well,
• 6:07
  the
• 6:08
  market
• 6:08
  corrects
• 6:08
  itself.
• 6:09
  I
• 6:09
  actually
• 6:09
  believe
• 6:09
  it's
• 6:10
  bigger
• 6:10
  than
• 6:10
  that.
• 6:10
  I
• 6:10
  think
• 6:10
  Christ
• 6:11
  himself
• 6:11
  is
• 6:12
  stepping
• 6:12
  in
• 6:12
  and
• 6:12
  he's
• 6:12
  showing
• 6:13
  us,
• 6:13
  you
• 6:13
  can
• 6:13
  have
• 6:13
  faith
• 6:13
  in
• 6:14
  me.
• 6:14
  I
• 6:14
  got
• 6:14
  provision
• 6:15
  for
• 6:15
  you.
• 6:15
  This
• 6:16
  isn't
• 6:16
  a
• 6:16
  time
• 6:16
  to
• 6:16
  panic.
• 6:17
  Because
• 6:17
  here's
• 6:17
  the
• 6:17
  problem.
• 6:18
  When
• 6:18
  you
• 6:18
  panic
• 6:19
  and
• 6:19
  a
• 6:19
  lot
• 6:19
  of
• 6:19
  people
• 6:19
  do
• 6:20
  this,
• 6:21
  it
• 6:21
  leads
• 6:21
  to
• 6:21
  making
• 6:22
  bad
• 6:22
  decisions.
• 6:22
  That
• 6:23
  client
• 6:23
  that
• 6:23
  came
• 6:23
  in,
• 6:24
  she
• 6:24
  was
• 6:24
  going
• 6:25
  to
• 6:25
  sell
• 6:25
  at
• 6:25
  a
• 6:26
  bad
• 6:26
  time.
• 6:26
  The
• 6:26
  market
• 6:26
  was
• 6:27
  really
• 6:27
  taking
• 6:27
  a
• 6:27
  hit.
• 6:28
  Well,
• 6:28
  if
• 6:29
  she
• 6:29
  had
• 6:29
  done
• 6:29
  that,
• 6:29
  she'd
• 6:30
  been
• 6:30
  making
• 6:30
  a
• 6:30
  really
• 6:30
  bad
• 6:31
  decision.
• 6:31
  But
• 6:32
  she
• 6:32
  hung
• 6:32
  in
• 6:32
  there.
• 6:32
  Yes.
• 6:33
  Did
• 6:33
  she
• 6:33
  lose
• 6:33
  some
• 6:34
  money?
• 6:34
  In
• 6:34
  the
• 6:34
  short
• 6:34
  term,
• 6:34
  absolutely.
• 6:35
  But
• 6:36
  it
• 6:36
  was
• 6:36
  that
• 6:36
  patience
• 6:36
  that
• 6:37
  led
• 6:37
  to
• 6:37
  growth.
• 6:38
  So
• 6:38
  there's
• 6:38
  so
• 6:39
  much
• 6:39
  that
• 6:39
  it
• 6:39
  says,
• 6:39
  oh,
• 6:40
  get
• 6:40
  out
• 6:40
  of
• 6:40
  the
• 6:40
  market.
• 6:41
  But
• 6:41
  you
• 6:42
  get
• 6:42
  more
• 6:42
  value
• 6:43
  by
• 6:43
  staying
• 6:43
  in
• 6:43
  the
• 6:43
  market.
• 6:44
  Because
• 6:44
  here's
• 6:44
  the
• 6:44
  way
• 6:44
  it
• 6:44
  works.
• 6:45
  It
• 6:45
  allows
• 6:46
  that
• 6:46
  compound.
• 6:46
  We
• 6:47
  talked
• 6:47
  about
• 6:47
  compounding
• 6:47
  the
• 6:48
  other
• 6:48
  day
• 6:48
  in
• 6:48
  the
• 6:48
  show
• 6:49
  how
• 6:49
  just
• 6:49
  a
• 6:49
  little
• 6:50
  bit
• 6:50
  can
• 6:50
  grow.
• 6:50
  Well,
• 6:50
  if
• 6:50
  you
• 6:51
  take
• 6:51
  your
• 6:51
  money
• 6:51
  off,
• 6:51
  it's
• 6:52
  kind
• 6:52
  of
• 6:52
  like
• 6:52
  when
• 6:52
  you're
• 6:52
  a
• 6:52
  kid.
• 6:53
  You
• 6:53
  get
• 6:53
  in
• 6:54
  a
• 6:54
  fight
• 6:54
  on
• 6:54
  the,
• 6:54
  on
• 6:54
  the
• 6:55
  playground
• 6:55
  field.
• 6:55
  You
• 6:56
  take
• 6:56
  your
• 6:56
  ball
• 6:56
  and
• 6:56
  you
• 6:56
  go
• 6:56
  home.
• 6:58
  That's
• 6:58
  what
• 6:58
  you
• 6:58
  do
• 6:58
  when
• 6:58
  you
• 6:58
  leave
• 6:59
  the
• 6:59
  market.
• 6:59
  There's
• 7:00
  a
• 7:00
  lot
• 7:00
  of
• 7:00
  fun
• 7:00
  to
• 7:00
  be
• 7:01
  had
• 7:01
  on
• 7:01
  the
• 7:01
  playground
• 7:01
  still.
• 7:01
  You
• 7:02
  got
• 7:02
  to
• 7:02
  keep
• 7:02
  that
• 7:02
  ball
• 7:02
  in
• 7:02
  there.
• 7:02
  You
• 7:03
  got
• 7:03
  to
• 7:03
  keep
• 7:03
  playing.
• 7:04
  And
• 7:04
  as
• 7:05
  a
• 7:05
  believer,
• 7:05
  I
• 7:05
  think
• 7:05
  this
• 7:06
  is
• 7:06
  even
• 7:06
  a
• 7:06
  bigger
• 7:06
  thing.
• 7:06
  As
• 7:07
  a
• 7:07
  believer,
• 7:08
  we've
• 7:08
  got
• 7:09
  to
• 7:09
  really
• 7:09
  examine
• 7:10
  our
• 7:10
  own
• 7:11
  belief
• 7:11
  system.
• 7:12
  See,
• 7:12
  peace
• 7:13
  doesn't
• 7:13
  come
• 7:13
  from
• 7:13
  the
• 7:14
  markets.
• 7:15
  If
• 7:15
  you
• 7:15
  think
• 7:15
  you're
• 7:15
  going
• 7:15
  to
• 7:15
  find
• 7:16
  peace
• 7:16
  there,
• 7:16
  I'm
• 7:17
  going
• 7:17
  to
• 7:17
  tell
• 7:17
  you
• 7:17
  right
• 7:17
  now,
• 7:17
  you're
• 7:17
  never
• 7:18
  going
• 7:18
  to
• 7:18
  find
• 7:18
  peace
• 7:18
  in
• 7:18
  that
• 7:19
  because
• 7:19
  God
• 7:19
  doesn't
• 7:19
  want
• 7:20
  you
• 7:20
  to
• 7:20
  find
• 7:20
  peace
• 7:20
  in
• 7:20
  that.
• 7:21
  God
• 7:22
  wants
• 7:22
  you
• 7:22
  to
• 7:22
  find
• 7:22
  peace
• 7:23
  in
• 7:23
  his
• 7:23
  provision.
• 7:25
  So
• 7:25
  as
• 7:25
  a
• 7:25
  believer,
• 7:25
  we
• 7:25
  need
• 7:26
  to
• 7:26
  see
• 7:26
  this
• 7:26
  differently.
• 7:27
  We
• 7:27
  don't
• 7:27
  just
• 7:27
  live
• 7:27
  in
• 7:27
  this
• 7:28
  world.
• 7:28
  We
• 7:28
  don't
• 7:28
  go
• 7:29
  as
• 7:29
  the
• 7:29
  world
• 7:29
  says.
• 7:31
  I
• 7:31
  do
• 7:31
  a
• 7:31
  show
• 7:31
  called
• 7:32
  Truth
• 7:32
  Unveiled
• 7:32
  with
• 7:32
  Ralph
• 7:33
  where
• 7:33
  every
• 7:33
  Sunday
• 7:33
  I
• 7:34
  try
• 7:34
  to
• 7:34
  break
• 7:34
  down
• 7:35
  that
• 7:35
  culture
• 7:36
  versus
• 7:36
  scripture,
• 7:37
  and
• 7:37
  I'm
• 7:37
  gonna
• 7:37
  encourage
• 7:37
  you
• 7:37
  to
• 7:37
  check
• 7:37
  it
• 7:38
  out.
• 7:38
  You
• 7:38
  can
• 7:38
  see
• 7:38
  that@truthunveilwithralph.com
• 7:40
  another
• 7:40
  great
• 7:40
  show.
• 7:41
  It's
• 7:41
  once
• 7:41
  a
• 7:41
  week
• 7:41
  on
• 7:41
  Sundays,
• 7:42
  but
• 7:43
  check
• 7:43
  it
• 7:43
  out.
• 7:43
  But
• 7:43
  we
• 7:43
  have
• 7:44
  to
• 7:44
  really
• 7:44
  understand
• 7:44
  it.
• 7:45
  We
• 7:45
  can
• 7:45
  live
• 7:45
  in
• 7:45
  this
• 7:46
  world.
• 7:46
  We
• 7:46
  don't
• 7:46
  want
• 7:46
  to
• 7:47
  live
• 7:47
  as
• 7:47
  the
• 7:48
  world.
• 7:49
  We
• 7:49
  gotta
• 7:49
  trust
• 7:50
  God
• 7:50
  in
• 7:50
  this
• 7:50
  provision
• 7:51
  and
• 7:51
  we
• 7:51
  gotta
• 7:52
  trust
• 7:52
  him
• 7:52
  with
• 7:52
  patience.
• 7:54
  Another
• 7:54
  thing,
• 7:54
  and
• 7:54
  this
• 7:54
  might
• 7:54
  step
• 7:55
  on
• 7:55
  a
• 7:55
  little
• 7:55
  toes.
• 7:56
  You
• 7:56
  got
• 7:56
  to
• 7:56
  stop
• 7:57
  looking
• 7:57
  for
• 7:57
  those
• 7:57
  big
• 7:58
  wins.
• 7:59
  So
• 7:59
  many
• 7:59
  people.
• 7:59
  Oh,
• 8:00
  this
• 8:00
  is
• 8:00
  a
• 8:00
  sure
• 8:00
  thing,
• 8:00
  Ralph.
• 8:01
  I'm
• 8:01
  going
• 8:01
  to
• 8:01
  do
• 8:01
  this
• 8:01
  because
• 8:01
  it's
• 8:02
  going
• 8:02
  to
• 8:02
  be
• 8:02
  a
• 8:02
  big
• 8:02
  win.
• 8:02
  Well,
• 8:03
  maybe
• 8:03
  you
• 8:03
  need
• 8:03
  to
• 8:03
  check
• 8:03
  your
• 8:04
  heart
• 8:04
  there
• 8:05
  because
• 8:05
  are
• 8:05
  you
• 8:05
  putting
• 8:06
  yourself
• 8:06
  in
• 8:06
  a
• 8:07
  position
• 8:07
  where
• 8:07
  you're
• 8:08
  going
• 8:08
  to
• 8:08
  have
• 8:08
  that
• 8:08
  big
• 8:08
  loss?
• 8:09
  Here's
• 8:10
  the
• 8:10
  thing
• 8:10
  about
• 8:10
  that
• 8:10
  roller
• 8:11
  coaster
• 8:11
  analogy.
• 8:12
  As
• 8:12
  you're
• 8:12
  climbing
• 8:13
  that
• 8:13
  hill,
• 8:13
  as
• 8:13
  that
• 8:13
  hill
• 8:13
  gets
• 8:14
  taller
• 8:14
  and
• 8:14
  taller
• 8:14
  and
• 8:15
  taller,
• 8:15
  guess
• 8:15
  what's
• 8:15
  coming.
• 8:16
  It
• 8:16
  might
• 8:16
  be
• 8:17
  a
• 8:17
  big
• 8:17
  win,
• 8:17
  but
• 8:17
  that
• 8:18
  big
• 8:18
  fall
• 8:18
  is
• 8:18
  coming.
• 8:19
  Let's
• 8:19
  get
• 8:19
  right
• 8:20
  into
• 8:20
  the
• 8:20
  Bible.
• 8:20
  I
• 8:20
  love
• 8:20
  this
• 8:21
  from
• 8:21
  the
• 8:21
  Book
• 8:21
  of
• 8:21
  James,
• 8:22
  chapter
• 8:22
  one,
• 8:23
  verses
• 8:23
  three
• 8:23
  and
• 8:24
  four.
• 8:24
  I
• 8:25
  love
• 8:25
  what
• 8:25
  it
• 8:25
  says.
• 8:25
  It
• 8:26
  says
• 8:26
  because
• 8:26
  you
• 8:26
  know
• 8:26
  that
• 8:27
  the
• 8:27
  testing
• 8:27
  of
• 8:27
  your
• 8:27
  faith
• 8:28
  produces
• 8:28
  perseverance.
• 8:30
  Let
• 8:30
  Perseverance
• 8:31
  finish
• 8:31
  its
• 8:32
  work
• 8:32
  in
• 8:32
  your
• 8:32
  favor.
• 8:34
  What
• 8:34
  a
• 8:34
  reassuring
• 8:35
  piece
• 8:35
  of
• 8:35
  scripture,
• 8:36
  perseverance.
• 8:37
  It
• 8:38
  mentions
• 8:38
  it
• 8:38
  twice
• 8:39
  here
• 8:39
  in
• 8:39
  this
• 8:39
  one
• 8:39
  verse.
• 8:41
  See,
• 8:41
  as
• 8:42
  a
• 8:42
  believer,
• 8:42
  we
• 8:42
  need
• 8:43
  to
• 8:43
  understand
• 8:43
  something
• 8:44
  at
• 8:44
  the
• 8:44
  very
• 8:44
  core.
• 8:46
  Peace
• 8:46
  doesn't
• 8:46
  come
• 8:46
  from
• 8:47
  the
• 8:47
  markets.
• 8:47
  Peace
• 8:48
  doesn't
• 8:48
  come
• 8:48
  from
• 8:48
  what's
• 8:49
  in
• 8:49
  your
• 8:49
  bank
• 8:49
  account.
• 8:49
  Peace
• 8:50
  doesn't
• 8:50
  come
• 8:50
  from
• 8:50
  what's
• 8:51
  in
• 8:51
  your
• 8:51
  investment
• 8:51
  accounts.
• 8:52
  Peace
• 8:52
  doesn't
• 8:52
  come
• 8:53
  in
• 8:53
  how
• 8:53
  many
• 8:53
  cars,
• 8:54
  houses,
• 8:54
  whatever
• 8:54
  those
• 8:54
  things
• 8:55
  are.
• 8:55
  It
• 8:55
  doesn't
• 8:55
  come
• 8:56
  into
• 8:56
  beautiful
• 8:56
  vacations.
• 8:57
  It
• 8:58
  comes
• 8:58
  from
• 8:58
  knowing
• 8:59
  Christ.
• 9:00
  It
• 9:00
  comes
• 9:00
  from
• 9:00
  trusting
• 9:01
  in
• 9:01
  God
• 9:01
  and
• 9:02
  his
• 9:02
  provision
• 9:03
  for
• 9:03
  us.
• 9:04
  What
• 9:04
  a
• 9:05
  promise,
• 9:05
  right?
• 9:06
  How
• 9:06
  reassuring
• 9:07
  is
• 9:07
  that?
• 9:08
  And
• 9:08
  I
• 9:08
  had
• 9:09
  to
• 9:09
  give
• 9:09
  us
• 9:09
  a
• 9:09
  second
• 9:09
  verse
• 9:10
  today.
• 9:10
  I
• 9:10
  don't
• 9:10
  always
• 9:11
  do
• 9:11
  two,
• 9:11
  but
• 9:11
  I
• 9:11
  found
• 9:11
  this
• 9:11
  one.
• 9:12
  I
• 9:12
  thought,
• 9:12
  this
• 9:12
  is
• 9:12
  perfect.
• 9:13
  It's
• 9:13
  all
• 9:13
  about
• 9:14
  seasons.
• 9:14
  You
• 9:14
  probably
• 9:14
  heard
• 9:15
  this
• 9:15
  verse
• 9:15
  many
• 9:15
  times.
• 9:16
  You
• 9:16
  didn't,
• 9:16
  maybe
• 9:16
  didn't
• 9:17
  even
• 9:17
  know
• 9:17
  where
• 9:17
  it
• 9:17
  came
• 9:17
  from.
• 9:18
  It's
• 9:18
  Ecclesiastes,
• 9:19
  chapter
• 9:20
  three,
• 9:20
  verse
• 9:20
  one.
• 9:21
  And
• 9:21
  I
• 9:22
  love
• 9:22
  this
• 9:22
  one.
• 9:23
  There's
• 9:23
  a
• 9:23
  time
• 9:23
  for
• 9:24
  everything
• 9:25
  and
• 9:25
  a
• 9:25
  season
• 9:25
  for
• 9:26
  every
• 9:26
  activity
• 9:26
  under
• 9:27
  the
• 9:27
  heavens.
• 9:29
  Cycles
• 9:29
  are
• 9:30
  a
• 9:30
  season.
• 9:31
  They're
• 9:31
  a
• 9:32
  time
• 9:32
  of
• 9:32
  testing.
• 9:33
  They're
• 9:33
  a
• 9:34
  time
• 9:34
  of
• 9:34
  testing
• 9:34
  our
• 9:35
  faith.
• 9:35
  So
• 9:35
  let
• 9:35
  me
• 9:35
  ask
• 9:35
  you
• 9:36
  right
• 9:36
  now,
• 9:37
  has
• 9:37
  your
• 9:37
  faith
• 9:38
  ever
• 9:38
  been
• 9:38
  tested?
• 9:40
  That
• 9:40
  might
• 9:40
  be
• 9:41
  what
• 9:41
  you're
• 9:41
  in
• 9:41
  right
• 9:41
  now.
• 9:42
  When
• 9:43
  your
• 9:43
  faith's
• 9:43
  being
• 9:43
  tested,
• 9:44
  what's
• 9:44
  the
• 9:44
  best
• 9:44
  way
• 9:44
  to
• 9:44
  handle
• 9:45
  it?
• 9:45
  You
• 9:46
  pray.
• 9:46
  So
• 9:46
  let's
• 9:46
  pray
• 9:46
  together
• 9:47
  right
• 9:47
  now.
• 9:48
  Lord,
• 9:48
  we
• 9:48
  just
• 9:48
  thank
• 9:49
  you
• 9:49
  for
• 9:49
  this
• 9:50
  provision
• 9:50
  you
• 9:50
  give
• 9:50
  us,
• 9:51
  Lord,
• 9:51
  and
• 9:51
  for
• 9:51
  the
• 9:52
  faith
• 9:52
  and
• 9:52
  the
• 9:52
  seasons
• 9:53
  of
• 9:53
  faith
• 9:53
  that
• 9:53
  you
• 9:53
  bring
• 9:53
  into
• 9:54
  our
• 9:54
  lives,
• 9:54
  Lord.
• 9:55
  And
• 9:55
  during
• 9:55
  these
• 9:56
  times
• 9:56
  of
• 9:56
  the
• 9:57
  fear
• 9:57
  and
• 9:57
  panic,
• 9:58
  Lord,
• 9:58
  give
• 9:58
  us
• 9:59
  patience.
• 10:00
  And
• 10:00
  when
• 10:00
  that
• 10:00
  financial
• 10:01
  anxiety
• 10:01
  arises,
• 10:02
  Lord,
• 10:02
  be
• 10:03
  there
• 10:03
  for
• 10:03
  us.
• 10:03
  Put
• 10:03
  your
• 10:04
  arm
• 10:04
  around
• 10:04
  us,
• 10:04
  Lord,
• 10:05
  and
• 10:05
  we'll
• 10:06
  know
• 10:06
  that
• 10:06
  it's
• 10:06
  your
• 10:07
  will
• 10:07
  for
• 10:07
  us
• 10:07
  to
• 10:07
  get
• 10:08
  through
• 10:08
  this
• 10:08
  cycle,
• 10:08
  Lord.
• 10:09
  Give
• 10:09
  us
• 10:09
  wisdom
• 10:09
  to
• 10:10
  trust
• 10:10
  long
• 10:10
  term
• 10:10
  over
• 10:11
  those
• 10:11
  short
• 10:11
  term
• 10:12
  fears,
• 10:12
  Lord,
• 10:12
  and
• 10:13
  help
• 10:13
  us
• 10:13
  to
• 10:13
  break
• 10:13
  these
• 10:14
  cycles,
• 10:14
  these
• 10:14
  market
• 10:15
  cycles
• 10:15
  that
• 10:15
  scare
• 10:15
  us
• 10:16
  so
• 10:16
  much.
• 10:17
  Help
• 10:17
  us
• 10:17
  to
• 10:17
  overcome
• 10:18
  that
• 10:18
  fear,
• 10:18
  Lord.
• 10:18
  And
• 10:19
  we
• 10:19
  just
• 10:19
  thank
• 10:19
  you
• 10:19
  for
• 10:20
  this
• 10:20
  steady
• 10:20
  provision.
• 10:21
  Through
• 10:21
  all
• 10:21
  the
• 10:21
  seasons
• 10:22
  of
• 10:22
  our
• 10:22
  life,
• 10:22
  through
• 10:23
  all
• 10:23
  those
• 10:24
  storms
• 10:24
  that
• 10:24
  come
• 10:24
  our
• 10:24
  way,
• 10:25
  Lord,
• 10:25
  we
• 10:25
  just
• 10:25
  ask
• 10:25
  this
• 10:26
  in
• 10:26
  confidence.
• 10:27
  In
• 10:27
  the
• 10:27
  name
• 10:27
  of
• 10:27
  Jesus,
• 10:29
  Amen.
• 10:30
  Well,
• 10:30
  today's
• 10:31
  action
• 10:31
  is
• 10:31
  this.
• 10:31
  I
• 10:31
  want
• 10:31
  you
• 10:32
  to
• 10:32
  just
• 10:32
  take
• 10:32
  a
• 10:32
  simple
• 10:33
  minute.
• 10:33
  I
• 10:33
  want
• 10:33
  you
• 10:34
  to
• 10:34
  write
• 10:34
  down
• 10:34
  this
• 10:34
  phrase.
• 10:35
  You
• 10:35
  ready?
• 10:35
  This
• 10:35
  is
• 10:36
  what
• 10:36
  I
• 10:36
  want
• 10:36
  you
• 10:36
  to
• 10:36
  write
• 10:36
  down.
• 10:37
  Downturns
• 10:38
  are
• 10:38
  temporary.
• 10:39
  My
• 10:39
  plan
• 10:39
  is
• 10:39
  long
• 10:40
  term.
• 10:40
  I'm
• 10:40
  going
• 10:40
  to
• 10:40
  give
• 10:41
  it
• 10:41
  to
• 10:41
  you
• 10:41
  again
• 10:41
  because
• 10:41
  I
• 10:41
  want
• 10:41
  you
• 10:41
  to
• 10:42
  write
• 10:42
  this
• 10:42
  down.
• 10:42
  Put
• 10:42
  it
• 10:42
  on
• 10:43
  a
• 10:43
  sticky
• 10:43
  note,
• 10:43
  put
• 10:43
  it
• 10:44
  on
• 10:44
  your
• 10:44
  phone,
• 10:44
  put
• 10:45
  it
• 10:45
  wherever
• 10:45
  you
• 10:46
  keep
• 10:46
  that
• 10:46
  investment
• 10:46
  account
• 10:47
  where
• 10:47
  you
• 10:47
  Keep
• 10:47
  your
• 10:48
  bank
• 10:48
  account,
• 10:48
  whatever
• 10:48
  that
• 10:48
  is,
• 10:49
  just
• 10:49
  write
• 10:49
  this
• 10:49
  down.
• 10:50
  Downturns
• 10:51
  are
• 10:51
  temporary.
• 10:52
  My
• 10:52
  plan
• 10:53
  is
• 10:53
  long
• 10:53
  term
• 10:54
  because
• 10:55
  that
• 10:55
  can
• 10:55
  act
• 10:55
  as
• 10:55
  a
• 10:55
  reminder
• 10:56
  before
• 10:56
  you.
• 10:57
  It
• 10:57
  can
• 10:57
  become
• 10:57
  your
• 10:58
  mantra.
• 10:58
  It's
• 10:58
  your
• 10:59
  go
• 10:59
  to
• 10:59
  belief.
• 11:00
  They
• 11:00
  talk
• 11:00
  about
• 11:01
  writing
• 11:01
  a
• 11:01
  scripture
• 11:01
  on
• 11:02
  your
• 11:02
  heart.
• 11:02
  I'm
• 11:02
  gonna
• 11:02
  encourage
• 11:02
  you
• 11:02
  to
• 11:03
  do
• 11:03
  that
• 11:03
  right
• 11:03
  now.
• 11:03
  Think
• 11:04
  long
• 11:04
  term.
• 11:05
  As
• 11:05
  a
• 11:05
  Christian,
• 11:06
  we
• 11:06
  think
• 11:06
  long
• 11:06
  term,
• 11:06
  right?
• 11:07
  We're
• 11:07
  gonna
• 11:07
  get
• 11:07
  to
• 11:07
  that
• 11:08
  point
• 11:08
  of
• 11:08
  death
• 11:09
  and
• 11:09
  we
• 11:09
  hope
• 11:09
  to
• 11:09
  hear
• 11:10
  these
• 11:10
  words,
• 11:10
  well
• 11:11
  done,
• 11:11
  good
• 11:11
  and
• 11:11
  faithful
• 11:12
  servant.
• 11:13
  What
• 11:13
  does
• 11:13
  that
• 11:14
  mean?
• 11:14
  It
• 11:14
  means
• 11:14
  being
• 11:14
  consistent.
• 11:15
  It
• 11:15
  means
• 11:15
  being
• 11:16
  diligent.
• 11:17
  And
• 11:17
  the
• 11:17
  truth
• 11:18
  is,
• 11:18
  like
• 11:18
  I
• 11:18
  said
• 11:18
  earlier,
• 11:19
  markets
• 11:19
  move
• 11:19
  in
• 11:19
  cycles.
• 11:20
  You
• 11:20
  can't
• 11:20
  fear
• 11:20
  those
• 11:21
  dips.
• 11:22
  It's
• 11:22
  time
• 11:22
  to
• 11:22
  break
• 11:23
  that
• 11:23
  cycle
• 11:23
  of
• 11:23
  fear.
• 11:24
  Find
• 11:24
  that
• 11:24
  wisdom,
• 11:25
  find
• 11:25
  that
• 11:26
  patience.
• 11:27
  And
• 11:27
  as
• 11:27
  I
• 11:27
  said,
• 11:27
  remember,
• 11:28
  recovery
• 11:28
  always
• 11:29
  has
• 11:29
  followed
• 11:29
  those
• 11:30
  downturns.
• 11:30
  But
• 11:31
  here's
• 11:31
  the
• 11:31
  thing
• 11:31
  you
• 11:31
  have
• 11:31
  never
• 11:31
  had
• 11:32
  to
• 11:32
  worry
• 11:32
  about.
• 11:33
  You're
• 11:33
  never
• 11:33
  going
• 11:34
  to
• 11:34
  lose.
• 11:34
  Have
• 11:34
  a
• 11:34
  downturn
• 11:35
  in
• 11:35
  God's
• 11:35
  provision.
• 11:35
  It's
• 11:36
  steady.
• 11:37
  Even
• 11:37
  when
• 11:37
  the
• 11:37
  markets
• 11:38
  are
• 11:38
  shaky,
• 11:38
  God's
• 11:39
  provision
• 11:39
  is
• 11:39
  steady.
• 11:40
  He's
• 11:40
  our
• 11:40
  rock
• 11:40
  during
• 11:40
  the
• 11:41
  storms
• 11:41
  and
• 11:41
  he's
• 11:42
  our
• 11:42
  rock
• 11:42
  during
• 11:42
  the
• 11:42
  times
• 11:43
  of
• 11:43
  distress.
• 11:43
  So
• 11:43
  I'm
• 11:43
  going
• 11:44
  to
• 11:44
  encourage
• 11:44
  you
• 11:44
  right
• 11:44
  now,
• 11:44
  put
• 11:45
  your
• 11:45
  faith
• 11:45
  in
• 11:45
  him
• 11:45
  today.
• 11:47
  Now
• 11:47
  tomorrow
• 11:47
  I'm
• 11:48
  going
• 11:48
  to
• 11:48
  talk
• 11:48
  about
• 11:48
  investment
• 11:49
  scams.
• 11:49
  A
• 11:49
  lot
• 11:49
  of
• 11:49
  people
• 11:50
  have
• 11:50
  been
• 11:50
  scammed.
• 11:51
  Tomorrow
• 11:51
  we're
• 11:51
  going
• 11:51
  to
• 11:51
  dig
• 11:51
  in
• 11:52
  deep.
• 11:52
  We're
• 11:52
  going
• 11:52
  to
• 11:52
  talk
• 11:52
  about
• 11:52
  how
• 11:53
  to
• 11:53
  spot
• 11:53
  those
• 11:53
  red
• 11:53
  flags.
• 11:54
  Because
• 11:54
  one
• 11:54
  thing
• 11:54
  that
• 11:55
  makes
• 11:55
  me
• 11:56
  angry
• 11:56
  is
• 11:56
  all
• 11:56
  get
• 11:56
  out
• 11:57
  is
• 11:57
  when
• 11:58
  I
• 11:58
  see
• 11:58
  people
• 11:58
  taken
• 11:58
  advantage
• 11:59
  of.
• 11:59
  So
• 11:59
  tomorrow
• 12:00
  on
• 12:00
  the
• 12:00
  show,
• 12:00
  I'm
• 12:00
  going
• 12:00
  to
• 12:00
  tell
• 12:01
  you
• 12:01
  how
• 12:01
  to
• 12:01
  avoid
• 12:01
  those
• 12:01
  things.
• 12:02
  Because
• 12:02
  listen,
• 12:02
  it's
• 12:02
  not
• 12:02
  my
• 12:03
  first
• 12:03
  rodeo.
• 12:03
  I've
• 12:04
  seen
• 12:04
  some
• 12:04
  crazy
• 12:05
  ones.
• 12:05
  And
• 12:06
  today
• 12:06
  I
• 12:06
  want
• 12:06
  to
• 12:06
  encourage
• 12:06
  you
• 12:06
  to
• 12:07
  do
• 12:07
  one
• 12:07
  more
• 12:07
  thing
• 12:07
  for
• 12:07
  me.
• 12:08
  One
• 12:08
  of
• 12:08
  the
• 12:08
  ways
• 12:09
  that
• 12:09
  we
• 12:09
  grow
• 12:09
  this
• 12:09
  show
• 12:09
  is
• 12:10
  when
• 12:10
  you
• 12:10
  share
• 12:10
  it
• 12:10
  with
• 12:10
  other
• 12:11
  people.
• 12:11
  There
• 12:12
  are
• 12:12
  so
• 12:12
  many
• 12:12
  people
• 12:12
  out
• 12:13
  there
• 12:13
  right
• 12:13
  now
• 12:13
  who
• 12:14
  are
• 12:14
  dealing
• 12:14
  with
• 12:14
  these
• 12:15
  type
• 12:15
  of
• 12:15
  situations
• 12:16
  where
• 12:16
  they're
• 12:16
  living
• 12:16
  in
• 12:17
  panic,
• 12:17
  they're
• 12:17
  living
• 12:17
  in
• 12:17
  fear,
• 12:18
  they're
• 12:18
  not
• 12:18
  sure
• 12:18
  what's
• 12:19
  going
• 12:19
  on
• 12:19
  in
• 12:19
  the
• 12:19
  world.
• 12:19
  We
• 12:20
  live
• 12:20
  in
• 12:20
  a
• 12:20
  crazy
• 12:20
  times
• 12:21
  right
• 12:21
  now.
• 12:21
  We
• 12:22
  see
• 12:22
  all
• 12:22
  kinds
• 12:22
  of
• 12:22
  crazy
• 12:23
  things
• 12:23
  going
• 12:23
  around
• 12:23
  us.
• 12:24
  But
• 12:25
  you
• 12:25
  can
• 12:25
  share
• 12:25
  the
• 12:25
  show
• 12:25
  with
• 12:26
  them.
• 12:26
  Just
• 12:26
  point
• 12:26
  them
• 12:26
  right
• 12:26
  to
• 12:26
  our
• 12:27
  website.
• 12:27
  That's
• 12:28
  financiallyconfidentchristian.com
• 12:30
  show
• 12:30
  them
• 12:30
  a
• 12:31
  better
• 12:31
  way.
• 12:31
  Show
• 12:31
  them
• 12:31
  the
• 12:32
  Christian
• 12:32
  way.
• 12:33
  Because
• 12:33
  guess
• 12:33
  what?
• 12:34
  You're
• 12:34
  an
• 12:34
  ambassador
• 12:34
  for
• 12:35
  Christ
• 12:35
  and
• 12:36
  as
• 12:36
  an
• 12:36
  ambassador,
• 12:37
  you
• 12:37
  should
• 12:37
  show
• 12:38
  them
• 12:38
  a
• 12:38
  better
• 12:39
  way.
• 12:39
  So
• 12:39
  I
• 12:39
  encourage
• 12:39
  you
• 12:39
  to
• 12:39
  do
• 12:39
  that.
• 12:40
  Send
• 12:40
  them
• 12:40
  to
• 12:40
  financiallyconfidentchristian.com
• 12:43
  and
• 12:43
  I
• 12:43
  just
• 12:43
  want
• 12:44
  to
• 12:44
  encourage
• 12:44
  you
• 12:44
  right
• 12:44
  now,
• 12:44
  you
• 12:45
  can
• 12:45
  do
• 12:45
  this.
• 12:46
  You
• 12:46
  don't
• 12:46
  have
• 12:46
  to
• 12:47
  live
• 12:47
  in
• 12:47
  fear
• 12:47
  anymore.
• 12:48
  God
• 12:49
  hears
• 12:49
  your
• 12:49
  prayers.
• 12:49
  Just
• 12:49
  reach
• 12:50
  out
• 12:50
  to
• 12:50
  the
• 12:50
  Father
• 12:51
  and
• 12:51
  he'll
• 12:52
  sweep
• 12:52
  you
• 12:52
  up
• 12:52
  and
• 12:53
  he'll
• 12:53
  put
• 12:53
  his
• 12:53
  arms
• 12:53
  around
• 12:54
  you.
• 12:54
  Stay
• 12:54
  financially
• 12:55
  savvy.
• 12:55
  God
• 12:56
  bless
• 12:56
  you.
• 12:56
  Today.
• 12:57
  You
• 12:57
  have
• 12:57
  a
• 12:57
  great
• 12:57
  day.