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How to Budget for Back-to-School Without Breaking the Bank? · Becoming Financially Confident

• 0:37
  Hey,
• 0:38
  can
• 0:38
  you
• 0:38
  believe
• 0:38
  it?
• 0:38
  School's
• 0:39
  about
• 0:39
  to
• 0:39
  start
• 0:39
  again.
• 0:40
  If
• 0:40
  your
• 0:40
  wallet
• 0:41
  could
• 0:41
  talk,
• 0:41
  it'd
• 0:41
  probably
• 0:42
  be
• 0:42
  screaming
• 0:42
  right
• 0:42
  now.
• 0:43
  Supplies,
• 0:44
  clothes,
• 0:44
  fees,
• 0:45
  it
• 0:45
  all
• 0:45
  just
• 0:46
  adds
• 0:46
  up
• 0:46
  so
• 0:47
  fast.
• 0:48
  But
• 0:48
  today
• 0:48
  I
• 0:48
  want
• 0:48
  to
• 0:49
  help
• 0:49
  you
• 0:49
  skip
• 0:49
  the
• 0:49
  stress.
• 0:50
  We're
• 0:50
  going
• 0:50
  to
• 0:50
  get
• 0:50
  ahead
• 0:51
  of
• 0:51
  it
• 0:51
  and
• 0:51
  we're
• 0:51
  going
• 0:52
  to
• 0:52
  do
• 0:52
  it
• 0:52
  together.
• 0:52
  So
• 0:52
  stick
• 0:53
  with
• 0:53
  me
• 0:53
  and
• 0:53
  I'll
• 0:54
  show
• 0:54
  you
• 0:54
  how
• 0:54
  to
• 0:54
  budget
• 0:55
  for
• 0:55
  Back
• 0:55
  to
• 0:55
  school
• 0:56
  the
• 0:56
  savvy
• 0:56
  Christian
• 0:57
  way.
• 0:59
  This
• 0:59
  is
• 0:59
  Financially
• 1:00
  Confident
• 1:00
  Christian,
• 1:01
  your
• 1:02
  daily
• 1:02
  dose
• 1:02
  of
• 1:02
  gospel
• 1:03
  grounded
• 1:03
  insight
• 1:04
  and
• 1:04
  faith
• 1:04
  driven
• 1:05
  tips
• 1:05
  to
• 1:05
  help
• 1:06
  you
• 1:06
  break
• 1:06
  the
• 1:06
  cycle
• 1:06
  of
• 1:07
  financial
• 1:07
  shame
• 1:07
  with
• 1:08
  conf.
• 1:10
  Hey
• 1:10
  there.
• 1:10
  Welcome
• 1:11
  back
• 1:11
  to
• 1:11
  Financially
• 1:12
  Confident
• 1:12
  Christian.
• 1:13
  I'm
• 1:13
  Ralph
• 1:13
  and
• 1:13
  I
• 1:14
  am
• 1:14
  really
• 1:14
  glad
• 1:14
  you're
• 1:14
  here.
• 1:15
  It's
• 1:15
  a
• 1:16
  special
• 1:16
  day
• 1:16
  today
• 1:16
  as
• 1:16
  we
• 1:17
  kick
• 1:17
  off
• 1:17
  a
• 1:17
  brand
• 1:17
  new
• 1:18
  series
• 1:18
  called
• 1:18
  Smart
• 1:19
  Money
• 1:19
  for
• 1:19
  Back
• 1:20
  to
• 1:20
  School
• 1:20
  and
• 1:20
  beyond.
• 1:21
  My
• 1:21
  goal
• 1:22
  in
• 1:22
  this
• 1:22
  series
• 1:22
  is
• 1:23
  to
• 1:23
  help
• 1:23
  you
• 1:23
  head
• 1:23
  into
• 1:23
  the
• 1:24
  school
• 1:24
  year
• 1:24
  feeling
• 1:25
  ready
• 1:25
  both
• 1:26
  financially
• 1:27
  and
• 1:27
  spiritually.
• 1:28
  And
• 1:28
  today's
• 1:29
  topic
• 1:29
  is
• 1:29
  going
• 1:30
  to
• 1:30
  cut
• 1:30
  right
• 1:30
  to
• 1:30
  the
• 1:31
  chase.
• 1:31
  How
• 1:32
  to
• 1:32
  prepare
• 1:32
  for
• 1:32
  school
• 1:33
  without
• 1:33
  breaking
• 1:33
  the
• 1:34
  bank.
• 1:34
  Let's
• 1:35
  get
• 1:35
  real
• 1:35
  for
• 1:35
  a
• 1:35
  minute.
• 1:36
  You
• 1:36
  want
• 1:36
  to
• 1:36
  be
• 1:36
  excited
• 1:37
  about
• 1:37
  the
• 1:37
  new
• 1:37
  school
• 1:38
  year,
• 1:38
  but
• 1:39
  maybe
• 1:39
  deep
• 1:39
  down
• 1:40
  you're
• 1:40
  just
• 1:40
  feeling
• 1:40
  a
• 1:40
  little
• 1:41
  overwhelmed
• 1:41
  already.
• 1:42
  You're
• 1:43
  already
• 1:43
  thinking
• 1:43
  through
• 1:44
  those
• 1:44
  supply
• 1:44
  lists.
• 1:45
  You
• 1:45
  know,
• 1:45
  they're
• 1:45
  always
• 1:45
  a
• 1:46
  mile
• 1:46
  long.
• 1:47
  You're
• 1:47
  looking
• 1:47
  into
• 1:48
  kids
• 1:48
  closets
• 1:48
  and
• 1:48
  they've
• 1:49
  outgrew
• 1:49
  everything
• 1:49
  over
• 1:50
  the
• 1:50
  summer.
• 1:51
  And
• 1:51
  that
• 1:51
  laptop
• 1:52
  they've
• 1:52
  been
• 1:52
  using
• 1:52
  to
• 1:52
  play
• 1:53
  games
• 1:53
  on
• 1:53
  during
• 1:53
  the
• 1:53
  summer,
• 1:54
  well,
• 1:54
  it's
• 1:55
  been
• 1:55
  acting
• 1:55
  up
• 1:55
  a
• 1:55
  little
• 1:55
  bit.
• 1:57
  And
• 1:57
  deep
• 1:57
  down
• 1:57
  you
• 1:58
  say
• 1:58
  to
• 1:58
  yourself,
• 1:58
  I
• 1:58
  want
• 1:59
  to
• 1:59
  provide
• 1:59
  for
• 1:59
  them,
• 1:59
  Ralph.
• 2:00
  You
• 2:00
  want
• 2:01
  them
• 2:01
  to
• 2:01
  feel
• 2:01
  confident.
• 2:02
  You
• 2:02
  want
• 2:02
  them
• 2:02
  to
• 2:02
  be
• 2:02
  ready.
• 2:04
  But
• 2:04
  that
• 2:04
  money
• 2:04
  part,
• 2:05
  well,
• 2:05
  Rob,
• 2:05
  that's
• 2:06
  pretty
• 2:06
  heavy.
• 2:07
  And
• 2:07
  I'm
• 2:07
  going
• 2:07
  to
• 2:07
  tell
• 2:07
  you
• 2:08
  right
• 2:08
  now,
• 2:08
  without
• 2:08
  a
• 2:08
  clear
• 2:09
  plan,
• 2:09
  the
• 2:10
  truth
• 2:10
  is
• 2:10
  stress
• 2:11
  and
• 2:11
  guilt
• 2:11
  will
• 2:12
  creep
• 2:12
  in
• 2:12
  fast.
• 2:13
  Here's
• 2:14
  the
• 2:14
  thing
• 2:14
  you
• 2:14
  got
• 2:15
  to
• 2:15
  understand.
• 2:16
  And
• 2:16
  if
• 2:16
  you've
• 2:16
  already
• 2:17
  been
• 2:17
  through
• 2:17
  this
• 2:17
  cycle
• 2:18
  one
• 2:18
  time,
• 2:18
  or
• 2:18
  maybe
• 2:18
  this
• 2:19
  is
• 2:19
  your
• 2:19
  12th
• 2:19
  or
• 2:19
  14th
• 2:20
  season
• 2:20
  of
• 2:20
  this,
• 2:21
  Back
• 2:22
  to
• 2:22
  school
• 2:22
  is
• 2:22
  a
• 2:23
  big
• 2:23
  financial
• 2:23
  moment
• 2:24
  for
• 2:24
  most
• 2:24
  families.
• 2:26
  So
• 2:26
  if
• 2:26
  you're
• 2:26
  feeling
• 2:26
  the
• 2:27
  pressure,
• 2:27
  I'll
• 2:27
  tell
• 2:28
  you
• 2:28
  right
• 2:28
  now,
• 2:28
  you're
• 2:28
  not
• 2:28
  alone.
• 2:29
  I've
• 2:29
  been
• 2:29
  there
• 2:29
  and
• 2:29
  did
• 2:29
  that
• 2:29
  with
• 2:30
  my
• 2:30
  kids
• 2:30
  when
• 2:30
  they
• 2:30
  were
• 2:30
  younger.
• 2:32
  But
• 2:32
  the
• 2:32
  good
• 2:32
  news
• 2:33
  is
• 2:33
  this
• 2:33
  is
• 2:33
  also
• 2:34
  an
• 2:34
  opportunity
• 2:34
  to
• 2:35
  honor
• 2:35
  God
• 2:35
  with
• 2:35
  our
• 2:36
  money
• 2:36
  and
• 2:36
  care
• 2:37
  for
• 2:37
  our
• 2:37
  family.
• 2:37
  So
• 2:38
  let's
• 2:38
  get
• 2:38
  right
• 2:38
  into
• 2:39
  the
• 2:39
  word.
• 2:39
  I'm
• 2:40
  going
• 2:40
  to
• 2:40
  use
• 2:40
  a
• 2:40
  verse
• 2:41
  From
• 2:41
  Proverbs
• 2:42
  chapter
• 2:42
  21,
• 2:43
  verse
• 2:43
  20
• 2:43
  that
• 2:43
  I
• 2:44
  use
• 2:44
  on
• 2:44
  the
• 2:44
  show
• 2:44
  probably
• 2:45
  once
• 2:45
  a
• 2:45
  week.
• 2:46
  But
• 2:46
  it's
• 2:46
  so
• 2:46
  important
• 2:47
  that
• 2:47
  we
• 2:47
  start
• 2:47
  here
• 2:48
  in
• 2:48
  this
• 2:49
  new
• 2:49
  series.
• 2:49
  And
• 2:49
  it
• 2:50
  says
• 2:50
  this
• 2:50
  again.
• 2:50
  Proverbs
• 2:51
  21:20.
• 2:53
  The
• 2:53
  wise
• 2:53
  store
• 2:54
  up
• 2:54
  choice
• 2:54
  food
• 2:54
  in
• 2:55
  olive
• 2:55
  oil,
• 2:56
  but
• 2:56
  fools
• 2:57
  gulp
• 2:57
  theirs
• 2:57
  down.
• 2:59
  I
• 2:59
  don't
• 2:59
  think
• 2:59
  you
• 2:59
  need
• 2:59
  a
• 2:59
  translation,
• 3:00
  but
• 3:01
  if
• 3:01
  you
• 3:01
  do,
• 3:01
  what
• 3:01
  is
• 3:01
  it
• 3:02
  saying
• 3:02
  here?
• 3:02
  It's
• 3:03
  saying,
• 3:03
  the
• 3:03
  wise
• 3:04
  plan
• 3:04
  ahead.
• 3:05
  Well,
• 3:06
  back
• 3:06
  to
• 3:06
  school
• 3:06
  time.
• 3:07
  It's
• 3:07
  time
• 3:07
  to
• 3:08
  plan
• 3:08
  ahead,
• 3:09
  because
• 3:09
  here's
• 3:10
  a
• 3:10
  little
• 3:10
  secret.
• 3:11
  God
• 3:11
  honors
• 3:12
  planning,
• 3:13
  and
• 3:13
  by
• 3:14
  definition,
• 3:14
  he
• 3:15
  honors
• 3:15
  stewardship.
• 3:17
  And
• 3:17
  yes,
• 3:18
  spoiler
• 3:18
  alert,
• 3:19
  you
• 3:19
  can
• 3:19
  take
• 3:20
  care
• 3:20
  of
• 3:20
  your
• 3:20
  kids
• 3:20
  without
• 3:21
  overspending
• 3:22
  or
• 3:22
  panicking.
• 3:23
  And
• 3:23
  I'm
• 3:23
  going
• 3:23
  to
• 3:23
  tell
• 3:23
  you
• 3:24
  how
• 3:24
  to
• 3:24
  do
• 3:24
  that
• 3:24
  on
• 3:24
  today's
• 3:25
  show.
• 3:26
  But
• 3:26
  first,
• 3:26
  I
• 3:26
  want
• 3:27
  to
• 3:27
  share
• 3:27
  something
• 3:27
  kind
• 3:28
  of
• 3:28
  personal.
• 3:28
  I
• 3:28
  remember
• 3:29
  when
• 3:29
  I
• 3:29
  was
• 3:29
  growing
• 3:29
  up
• 3:30
  now,
• 3:30
  my
• 3:30
  mom
• 3:30
  had
• 3:31
  a
• 3:31
  really
• 3:31
  tough
• 3:31
  time
• 3:32
  getting
• 3:32
  my
• 3:32
  sister
• 3:32
  and
• 3:32
  I
• 3:33
  ready
• 3:33
  for
• 3:33
  school
• 3:34
  each
• 3:34
  year.
• 3:34
  My
• 3:34
  sister
• 3:34
  and
• 3:35
  I,
• 3:35
  well,
• 3:35
  let's
• 3:35
  just
• 3:35
  say
• 3:35
  we
• 3:36
  weren't
• 3:36
  always
• 3:36
  the
• 3:37
  easiest
• 3:37
  kids
• 3:37
  when
• 3:37
  it
• 3:38
  came
• 3:38
  to
• 3:38
  clothes
• 3:38
  and
• 3:38
  supplies.
• 3:39
  I
• 3:39
  was
• 3:39
  one
• 3:40
  of
• 3:40
  those
• 3:40
  big
• 3:40
  kids,
• 3:40
  you
• 3:40
  know,
• 3:41
  I
• 3:41
  was.
• 3:41
  Seemed
• 3:41
  like
• 3:41
  I
• 3:41
  was
• 3:42
  always
• 3:42
  outgrowing
• 3:43
  stuff.
• 3:44
  And
• 3:44
  we
• 3:44
  also
• 3:44
  had
• 3:45
  our
• 3:45
  opinions
• 3:45
  and
• 3:45
  we
• 3:45
  had
• 3:46
  our
• 3:46
  wants.
• 3:47
  And
• 3:47
  to
• 3:47
  say
• 3:47
  mom
• 3:48
  had
• 3:48
  a
• 3:48
  very
• 3:48
  limited
• 3:49
  budget
• 3:49
  would
• 3:49
  be
• 3:49
  an
• 3:50
  understatement.
• 3:51
  Now,
• 3:51
  my
• 3:51
  mom
• 3:52
  has
• 3:52
  passed
• 3:52
  away
• 3:52
  a
• 3:52
  couple
• 3:53
  years
• 3:53
  ago,
• 3:53
  but
• 3:53
  I
• 3:53
  was
• 3:53
  thinking
• 3:54
  about
• 3:54
  as
• 3:54
  I
• 3:54
  was
• 3:54
  preparing
• 3:55
  for
• 3:55
  this
• 3:55
  show,
• 3:55
  what
• 3:56
  a
• 3:56
  production
• 3:56
  this
• 3:57
  was.
• 3:58
  But
• 3:58
  she
• 3:58
  made
• 3:59
  it
• 3:59
  work.
• 4:00
  My
• 4:00
  mom
• 4:00
  stretched
• 4:01
  every
• 4:01
  single
• 4:01
  dollar
• 4:02
  she
• 4:02
  planned
• 4:02
  ahead.
• 4:02
  She
• 4:03
  used
• 4:03
  to
• 4:03
  keep
• 4:03
  notes
• 4:03
  of
• 4:03
  everything.
• 4:05
  And
• 4:05
  the
• 4:05
  best
• 4:06
  part
• 4:06
  of
• 4:06
  it
• 4:06
  all,
• 4:07
  I
• 4:07
  always
• 4:07
  knew
• 4:08
  this
• 4:08
  growing
• 4:08
  up,
• 4:09
  she
• 4:10
  did
• 4:10
  it
• 4:10
  all
• 4:10
  with
• 4:10
  love
• 4:11
  and
• 4:11
  with
• 4:11
  this
• 4:12
  quiet
• 4:12
  strength.
• 4:12
  And,
• 4:13
  you
• 4:13
  know,
• 4:13
  now
• 4:13
  as
• 4:13
  an
• 4:13
  adult
• 4:14
  and
• 4:14
  a
• 4:14
  parent,
• 4:15
  I
• 4:15
  can
• 4:16
  see
• 4:16
  now
• 4:16
  how
• 4:16
  much
• 4:17
  strength
• 4:17
  that
• 4:18
  she
• 4:18
  really
• 4:18
  had.
• 4:18
  And
• 4:19
  I
• 4:19
  can
• 4:19
  see
• 4:19
  what
• 4:19
  a
• 4:20
  sacrifice
• 4:20
  that
• 4:20
  was.
• 4:22
  And
• 4:22
  honestly,
• 4:23
  sometimes
• 4:23
  I'm
• 4:24
  kind
• 4:24
  of
• 4:24
  embarrassed
• 4:24
  about
• 4:24
  the
• 4:25
  way
• 4:25
  I
• 4:25
  act.
• 4:25
  And
• 4:25
  if.
• 4:26
  If
• 4:26
  you're
• 4:26
  an
• 4:26
  adult
• 4:27
  and
• 4:27
  you
• 4:27
  can
• 4:27
  lurk
• 4:27
  back
• 4:28
  to
• 4:28
  that,
• 4:28
  too,
• 4:28
  you're
• 4:28
  probably
• 4:28
  thinking
• 4:29
  the
• 4:29
  same
• 4:29
  thing.
• 4:30
  And
• 4:31
  maybe
• 4:31
  right
• 4:31
  now,
• 4:31
  as
• 4:32
  you
• 4:32
  listen
• 4:32
  to
• 4:32
  this,
• 4:32
  you're
• 4:32
  a
• 4:33
  parent
• 4:33
  right
• 4:33
  now,
• 4:33
  and
• 4:33
  you're.
• 4:34
  And
• 4:34
  you're
• 4:34
  going
• 4:34
  through
• 4:35
  this.
• 4:36
  I'm
• 4:36
  going
• 4:36
  to
• 4:36
  tell
• 4:36
  you
• 4:37
  something
• 4:37
  right
• 4:37
  now.
• 4:37
  I
• 4:38
  want
• 4:38
  to
• 4:38
  tell
• 4:38
  you
• 4:38
  this
• 4:38
  loud
• 4:38
  and
• 4:39
  clear.
• 4:39
  You
• 4:39
  can
• 4:39
  do
• 4:40
  this.
• 4:41
  Here's
• 4:41
  the
• 4:41
  beauty
• 4:42
  of
• 4:42
  it.
• 4:42
  You
• 4:42
  don't
• 4:43
  need
• 4:43
  to
• 4:43
  be
• 4:43
  perfect
• 4:45
  again.
• 4:45
  I
• 4:45
  said
• 4:45
  this
• 4:46
  on
• 4:46
  yesterday's
• 4:46
  show.
• 4:46
  You're
• 4:47
  never
• 4:47
  going
• 4:47
  to
• 4:47
  be
• 4:47
  perfect.
• 4:47
  So
• 4:48
  stop
• 4:48
  chasing
• 4:48
  after
• 4:48
  it.
• 4:50
  You
• 4:50
  just
• 4:50
  need
• 4:50
  to
• 4:51
  be
• 4:51
  wise,
• 4:51
  you
• 4:52
  need
• 4:52
  to
• 4:52
  be
• 4:52
  intentional,
• 4:53
  and
• 4:53
  you
• 4:53
  need
• 4:54
  to
• 4:54
  be
• 4:54
  willing
• 4:54
  to
• 4:54
  trust
• 4:54
  God
• 4:55
  through
• 4:55
  the
• 4:55
  process.
• 4:57
  So
• 4:57
  now
• 4:57
  you're
• 4:57
  probably
• 4:58
  saying,
• 4:58
  great,
• 4:58
  Ralph,
• 4:59
  back
• 4:59
  to
• 4:59
  school.
• 4:59
  Time.
• 5:00
  Time
• 5:00
  to
• 5:00
  spend
• 5:01
  more
• 5:01
  money
• 5:01
  we
• 5:01
  don't
• 5:01
  have.
• 5:02
  We're
• 5:02
  already
• 5:02
  struggling.
• 5:03
  What
• 5:03
  can
• 5:04
  we
• 5:04
  do,
• 5:04
  Ralph?
• 5:04
  Well,
• 5:04
  here's
• 5:05
  the
• 5:05
  move
• 5:05
  I'm
• 5:05
  going
• 5:05
  to
• 5:05
  tell
• 5:06
  you
• 5:06
  right
• 5:06
  now
• 5:06
  a
• 5:06
  very
• 5:07
  simple
• 5:07
  way
• 5:07
  to
• 5:07
  get
• 5:07
  started.
• 5:08
  We're
• 5:08
  going
• 5:08
  to
• 5:09
  build
• 5:09
  a
• 5:09
  simple
• 5:09
  back
• 5:09
  to
• 5:10
  school
• 5:10
  budget.
• 5:11
  Nothing
• 5:11
  fancy,
• 5:12
  nothing
• 5:12
  elaborate,
• 5:13
  nothing
• 5:13
  no
• 5:14
  big
• 5:14
  deal.
• 5:14
  Just
• 5:15
  honest,
• 5:15
  realistic,
• 5:16
  and
• 5:16
  most
• 5:16
  of
• 5:17
  all,
• 5:17
  the
• 5:17
  most
• 5:17
  important
• 5:17
  part
• 5:18
  of
• 5:18
  this,
• 5:18
  something
• 5:18
  that's
• 5:19
  doable.
• 5:20
  We're
• 5:20
  going
• 5:20
  to
• 5:20
  look
• 5:20
  at
• 5:20
  what's
• 5:21
  needed,
• 5:21
  we're
• 5:21
  going
• 5:21
  to
• 5:21
  assign
• 5:22
  some
• 5:22
  numbers
• 5:22
  to
• 5:22
  it.
• 5:23
  And
• 5:24
  big
• 5:24
  thing
• 5:24
  we're
• 5:24
  going
• 5:24
  to
• 5:24
  do
• 5:25
  is
• 5:25
  we're
• 5:25
  commit
• 5:26
  to
• 5:26
  sticking
• 5:26
  to
• 5:26
  it.
• 5:27
  So
• 5:27
  here
• 5:27
  is
• 5:27
  your
• 5:28
  one
• 5:28
  action
• 5:29
  step
• 5:29
  for
• 5:29
  today.
• 5:30
  First
• 5:30
  thing
• 5:30
  I
• 5:30
  want
• 5:30
  you
• 5:30
  to
• 5:31
  do
• 5:31
  is
• 5:31
  grab
• 5:31
  that
• 5:31
  school
• 5:32
  supply
• 5:32
  list.
• 5:33
  Most
• 5:33
  of
• 5:33
  the
• 5:33
  time
• 5:33
  the
• 5:34
  school
• 5:34
  sends
• 5:34
  it
• 5:34
  out.
• 5:34
  Maybe
• 5:35
  there's
• 5:35
  a
• 5:35
  school
• 5:36
  portal
• 5:36
  and
• 5:36
  maybe
• 5:36
  you've
• 5:36
  got
• 5:37
  an
• 5:37
  email
• 5:37
  or
• 5:38
  maybe
• 5:38
  the
• 5:38
  teachers
• 5:38
  are
• 5:38
  actually
• 5:39
  reaching
• 5:39
  out
• 5:39
  to
• 5:39
  you.
• 5:39
  But
• 5:40
  start
• 5:40
  with
• 5:40
  grabbing
• 5:41
  that
• 5:41
  school
• 5:41
  supply
• 5:42
  list.
• 5:42
  Now
• 5:42
  here's,
• 5:42
  here's
• 5:43
  the
• 5:43
  second
• 5:43
  step.
• 5:43
  A
• 5:44
  lot
• 5:44
  of
• 5:44
  people
• 5:44
  overthink
• 5:45
  this
• 5:45
  one
• 5:45
  or
• 5:46
  even
• 5:46
  don't
• 5:46
  think
• 5:46
  about
• 5:47
  it
• 5:47
  at
• 5:47
  all.
• 5:47
  And
• 5:48
  that's
• 5:48
  taking
• 5:48
  inventory.
• 5:49
  What
• 5:50
  do
• 5:50
  you
• 5:50
  already
• 5:50
  have?
• 5:51
  So
• 5:51
  many
• 5:51
  people
• 5:51
  overlook
• 5:52
  the
• 5:52
  fact
• 5:52
  that
• 5:53
  they've
• 5:53
  already
• 5:53
  got
• 5:53
  this
• 5:53
  stuff.
• 5:54
  It's
• 5:54
  sitting
• 5:54
  in
• 5:55
  that
• 5:55
  junk
• 5:55
  drawer.
• 5:55
  We
• 5:55
  did
• 5:56
  a
• 5:56
  show
• 5:56
  a
• 5:56
  couple
• 5:56
  weeks
• 5:56
  ago
• 5:57
  about
• 5:57
  that
• 5:57
  stuff,
• 5:58
  that
• 5:58
  junk
• 5:58
  drawer.
• 5:59
  But
• 5:59
  really
• 5:59
  ask
• 6:00
  yourself,
• 6:00
  what
• 6:00
  do
• 6:00
  you
• 6:01
  have?
• 6:01
  Do
• 6:01
  you
• 6:01
  already
• 6:01
  have
• 6:01
  the
• 6:01
  backpack?
• 6:02
  One
• 6:03
  of
• 6:03
  the
• 6:03
  things.
• 6:03
  When
• 6:03
  my
• 6:03
  kids
• 6:03
  were
• 6:04
  young,
• 6:04
  my
• 6:04
  wife
• 6:04
  said
• 6:04
  to
• 6:05
  me,
• 6:05
  she
• 6:05
  says,
• 6:05
  Ralph,
• 6:05
  we're
• 6:05
  going
• 6:06
  to
• 6:06
  invest
• 6:06
  in
• 6:07
  durable
• 6:07
  backpacks.
• 6:08
  And
• 6:08
  I
• 6:08
  was
• 6:08
  kind
• 6:08
  of
• 6:08
  sticker
• 6:09
  shocked
• 6:09
  when
• 6:09
  I
• 6:09
  saw
• 6:10
  it.
• 6:10
  But
• 6:11
  she
• 6:11
  was
• 6:11
  so
• 6:11
  right
• 6:11
  about
• 6:12
  that
• 6:12
  because
• 6:12
  that
• 6:12
  backpack
• 6:13
  lasted
• 6:13
  them
• 6:13
  year
• 6:13
  after
• 6:14
  year
• 6:14
  after
• 6:15
  year.
• 6:15
  I
• 6:15
  think
• 6:16
  they
• 6:16
  grew
• 6:16
  tired
• 6:16
  of
• 6:16
  it
• 6:17
  before
• 6:17
  it
• 6:17
  actually
• 6:17
  wore
• 6:18
  out.
• 6:18
  So
• 6:18
  take
• 6:19
  a
• 6:19
  look.
• 6:19
  What
• 6:19
  backpacks
• 6:20
  do
• 6:20
  you
• 6:20
  have?
• 6:20
  Shoes.
• 6:20
  I
• 6:21
  remember
• 6:21
  when
• 6:21
  as
• 6:21
  a
• 6:21
  kid,
• 6:21
  man,
• 6:22
  I
• 6:22
  would
• 6:22
  outgrow
• 6:22
  shoes.
• 6:23
  It
• 6:23
  was
• 6:23
  always,
• 6:23
  oh,
• 6:23
  we
• 6:24
  got
• 6:24
  to
• 6:24
  get
• 6:24
  a
• 6:24
  couple
• 6:24
  pairs
• 6:24
  of
• 6:25
  shoes
• 6:25
  for
• 6:25
  school.
• 6:26
  Extra
• 6:26
  pens.
• 6:27
  Here's
• 6:28
  the
• 6:28
  thing,
• 6:28
  do
• 6:28
  an
• 6:28
  inventory.
• 6:29
  Don't
• 6:30
  buy
• 6:30
  what
• 6:30
  you
• 6:30
  don't
• 6:30
  need.
• 6:31
  Your
• 6:31
  kids
• 6:31
  are
• 6:31
  going
• 6:31
  to
• 6:31
  be
• 6:31
  pressuring
• 6:32
  you,
• 6:32
  oh,
• 6:32
  I
• 6:32
  need
• 6:32
  the
• 6:33
  newest
• 6:33
  stuff.
• 6:33
  I
• 6:34
  need
• 6:34
  the
• 6:34
  latest
• 6:34
  stuff.
• 6:34
  We're
• 6:34
  gonna
• 6:34
  talk
• 6:34
  about
• 6:35
  some
• 6:35
  of
• 6:35
  that
• 6:35
  stuff
• 6:35
  tomorrow.
• 6:36
  But
• 6:36
  start
• 6:37
  by
• 6:37
  taking
• 6:37
  that
• 6:37
  image.
• 6:38
  So
• 6:38
  get
• 6:38
  that
• 6:38
  supply
• 6:38
  list
• 6:39
  and
• 6:39
  take
• 6:39
  that
• 6:40
  inventory.
• 6:41
  And
• 6:41
  as
• 6:41
  we're
• 6:42
  talking
• 6:42
  about
• 6:42
  this
• 6:42
  budget,
• 6:42
  start
• 6:43
  to
• 6:43
  estimate
• 6:43
  your
• 6:44
  cost
• 6:44
  of
• 6:44
  this
• 6:44
  thing.
• 6:44
  You
• 6:45
  can
• 6:45
  look
• 6:45
  at
• 6:45
  flyers,
• 6:46
  go
• 6:46
  on
• 6:46
  Amazon,
• 6:47
  go
• 6:47
  on
• 6:47
  different
• 6:47
  websites
• 6:48
  and
• 6:48
  figure
• 6:49
  out
• 6:49
  some
• 6:49
  realistic
• 6:50
  numbers
• 6:50
  for
• 6:50
  first
• 6:51
  thing,
• 6:51
  supplies.
• 6:51
  What
• 6:52
  are
• 6:52
  we
• 6:52
  going
• 6:52
  to
• 6:52
  spend
• 6:52
  in
• 6:52
  supplies?
• 6:53
  You
• 6:53
  know,
• 6:53
  paper,
• 6:54
  pens,
• 6:55
  pencils,
• 6:55
  whatever
• 6:56
  the
• 6:56
  cool
• 6:56
  kids
• 6:56
  are
• 6:56
  using.
• 6:57
  Now
• 6:58
  put
• 6:58
  down
• 6:58
  a
• 6:58
  budget
• 6:59
  number
• 6:59
  for
• 6:59
  clothes
• 6:59
  and
• 6:59
  shoes.
• 7:00
  You
• 7:01
  don't
• 7:01
  have
• 7:01
  to
• 7:01
  buy
• 7:01
  it
• 7:01
  all
• 7:01
  at
• 7:01
  once.
• 7:01
  Remember,
• 7:02
  we're
• 7:02
  going
• 7:02
  to
• 7:02
  be
• 7:03
  going
• 7:03
  into
• 7:03
  at
• 7:04
  least
• 7:04
  in
• 7:04
  the,
• 7:04
  on
• 7:04
  the
• 7:04
  east
• 7:05
  coast
• 7:05
  where
• 7:05
  I
• 7:05
  am,
• 7:05
  we're
• 7:05
  going
• 7:05
  to
• 7:05
  have
• 7:06
  a
• 7:06
  warm
• 7:06
  season
• 7:07
  before
• 7:07
  the
• 7:07
  fall
• 7:08
  hits.
• 7:08
  So
• 7:08
  there's
• 7:08
  going
• 7:08
  to
• 7:08
  be
• 7:09
  a
• 7:09
  different
• 7:09
  time
• 7:09
  for
• 7:09
  different
• 7:10
  clothing.
• 7:10
  So
• 7:11
  school
• 7:11
  shoes
• 7:12
  and
• 7:12
  clothes.
• 7:12
  Let's
• 7:13
  talk
• 7:13
  about
• 7:13
  those
• 7:13
  tech
• 7:13
  things.
• 7:14
  Maybe
• 7:15
  there's
• 7:15
  some
• 7:15
  tech
• 7:15
  things
• 7:15
  you
• 7:16
  need.
• 7:16
  Maybe
• 7:17
  you
• 7:17
  can
• 7:17
  find
• 7:17
  those
• 7:17
  before
• 7:18
  you.
• 7:18
  Maybe
• 7:18
  you've
• 7:18
  already
• 7:19
  got
• 7:19
  them.
• 7:20
  Start
• 7:20
  thinking
• 7:20
  about
• 7:20
  the
• 7:20
  school
• 7:21
  fees.
• 7:21
  You're
• 7:21
  going
• 7:21
  to
• 7:21
  have
• 7:22
  to
• 7:22
  play.
• 7:22
  A
• 7:23
  lot
• 7:23
  of
• 7:23
  people
• 7:23
  have
• 7:23
  to
• 7:23
  pay
• 7:23
  school
• 7:24
  fees.
• 7:24
  Maybe
• 7:24
  there's
• 7:25
  some
• 7:25
  extracurricular
• 7:26
  activity
• 7:26
  fees.
• 7:27
  Maybe
• 7:27
  the
• 7:27
  kids
• 7:28
  are
• 7:28
  going
• 7:28
  to
• 7:28
  play
• 7:28
  school
• 7:29
  sports
• 7:29
  and
• 7:29
  they
• 7:29
  got
• 7:29
  to
• 7:29
  go
• 7:30
  get
• 7:30
  a
• 7:30
  physical.
• 7:30
  Well,
• 7:30
  you
• 7:30
  need
• 7:31
  a
• 7:31
  budget
• 7:31
  for
• 7:31
  that.
• 7:32
  And
• 7:32
  then
• 7:32
  I'm
• 7:32
  going
• 7:32
  to
• 7:32
  encourage
• 7:33
  you
• 7:33
  to
• 7:33
  have
• 7:33
  an
• 7:33
  other
• 7:34
  bucket.
• 7:34
  You
• 7:34
  know,
• 7:34
  just
• 7:35
  those
• 7:35
  things
• 7:35
  that
• 7:35
  don't
• 7:35
  quite
• 7:36
  fit
• 7:36
  into
• 7:36
  that.
• 7:36
  So
• 7:37
  we
• 7:37
  talked
• 7:37
  about,
• 7:37
  first
• 7:38
  thing,
• 7:38
  find
• 7:38
  that
• 7:39
  list
• 7:39
  that
• 7:39
  you
• 7:39
  need.
• 7:40
  Second
• 7:40
  thing,
• 7:40
  take
• 7:40
  that
• 7:41
  inventory.
• 7:42
  And
• 7:42
  third
• 7:42
  thing,
• 7:42
  estimate
• 7:43
  those
• 7:43
  costs.
• 7:44
  Now
• 7:45
  it's
• 7:45
  time
• 7:45
  to
• 7:45
  allocate
• 7:46
  that
• 7:46
  money.
• 7:46
  Decide
• 7:47
  how
• 7:47
  much
• 7:47
  goes
• 7:48
  into
• 7:48
  each
• 7:48
  category.
• 7:49
  Now,
• 7:50
  here's
• 7:50
  the
• 7:50
  key.
• 7:50
  It's
• 7:51
  going
• 7:51
  to
• 7:51
  be
• 7:51
  a
• 7:51
  hard
• 7:51
  thing
• 7:51
  to
• 7:51
  do,
• 7:52
  but
• 7:52
  this
• 7:52
  is
• 7:52
  very
• 7:52
  important
• 7:53
  for
• 7:53
  you.
• 7:54
  Start
• 7:54
  with
• 7:54
  the
• 7:54
  needs
• 7:55
  first.
• 7:56
  These
• 7:56
  are
• 7:56
  the
• 7:56
  things
• 7:56
  that
• 7:57
  my
• 7:57
  kids
• 7:57
  absolutely
• 7:58
  need.
• 7:59
  These
• 8:00
  are
• 8:00
  the
• 8:00
  absolute
• 8:01
  essentials.
• 8:02
  And
• 8:02
  then
• 8:02
  put
• 8:03
  the
• 8:03
  ones
• 8:03
  down
• 8:03
  later
• 8:04
  in
• 8:04
  the
• 8:04
  list,
• 8:05
  the
• 8:06
  next
• 8:06
  step.
• 8:06
  And
• 8:06
  this
• 8:07
  is
• 8:07
  where
• 8:07
  the
• 8:07
  hard
• 8:07
  part
• 8:08
  comes
• 8:08
  in.
• 8:08
  You
• 8:09
  got
• 8:09
  to
• 8:09
  stick
• 8:09
  to
• 8:09
  the
• 8:09
  plan.
• 8:10
  It's
• 8:11
  so
• 8:11
  easy
• 8:11
  to
• 8:11
  get
• 8:11
  into
• 8:12
  that
• 8:12
  impulse
• 8:12
  buying,
• 8:14
  so
• 8:14
  easy
• 8:14
  to
• 8:14
  do
• 8:15
  that
• 8:15
  when
• 8:15
  something's
• 8:15
  not
• 8:15
  in
• 8:16
  the
• 8:16
  budget.
• 8:16
  I
• 8:16
  can,
• 8:16
  I
• 8:16
  can
• 8:16
  still
• 8:17
  picture
• 8:17
  my
• 8:18
  sister
• 8:18
  and
• 8:18
  I
• 8:18
  at
• 8:18
  the
• 8:18
  store
• 8:19
  with
• 8:19
  my
• 8:19
  mama
• 8:20
  a
• 8:20
  couple
• 8:20
  days
• 8:20
  before
• 8:21
  school
• 8:21
  starts,
• 8:21
  and
• 8:22
  we're
• 8:22
  walking
• 8:22
  through
• 8:22
  the
• 8:23
  store
• 8:23
  and
• 8:23
  we're
• 8:23
  grabbing
• 8:24
  stuff
• 8:24
  off
• 8:24
  the
• 8:24
  racks
• 8:25
  and
• 8:25
  my
• 8:26
  mom's
• 8:26
  saying,
• 8:26
  listen,
• 8:26
  that
• 8:27
  kids,
• 8:27
  that's
• 8:27
  not
• 8:27
  in
• 8:27
  the
• 8:27
  budget.
• 8:28
  That's.
• 8:28
  That's
• 8:28
  on
• 8:29
  the
• 8:29
  list.
• 8:30
  Oh,
• 8:30
  come
• 8:30
  on,
• 8:30
  mom.
• 8:31
  Oh,
• 8:31
  come
• 8:31
  on,
• 8:31
  Mom.
• 8:32
  And
• 8:32
  she
• 8:32
  would
• 8:32
  say,
• 8:32
  listen,
• 8:33
  kids,
• 8:33
  not
• 8:34
  right
• 8:34
  now,
• 8:36
  but
• 8:36
  you
• 8:36
  got
• 8:36
  to
• 8:36
  have
• 8:36
  some
• 8:37
  backbone
• 8:37
  to
• 8:37
  that.
• 8:37
  So
• 8:38
  save
• 8:38
  right
• 8:38
  now
• 8:38
  and
• 8:39
  mean
• 8:39
  it,
• 8:39
  because
• 8:40
  that's
• 8:40
  going
• 8:40
  to
• 8:40
  be
• 8:40
  important.
• 8:42
  Now
• 8:42
  I
• 8:42
  want
• 8:42
  to
• 8:42
  encourage
• 8:43
  you
• 8:43
  because
• 8:43
  I'm
• 8:44
  going
• 8:44
  to
• 8:44
  tell
• 8:44
  you
• 8:44
  why
• 8:44
  this
• 8:44
  works.
• 8:45
  And
• 8:45
  this
• 8:46
  helps
• 8:46
  you
• 8:46
  because
• 8:46
  it
• 8:46
  reduces
• 8:47
  that
• 8:47
  stress.
• 8:48
  If
• 8:48
  you've
• 8:48
  got
• 8:49
  a
• 8:49
  plan,
• 8:49
  you've
• 8:49
  got,
• 8:49
  you're
• 8:50
  already
• 8:50
  got
• 8:50
  your
• 8:50
  ideas
• 8:51
  of
• 8:51
  what
• 8:51
  you
• 8:51
  need.
• 8:51
  You've
• 8:52
  got
• 8:52
  that,
• 8:52
  that
• 8:52
  crystal
• 8:53
  clear
• 8:53
  list.
• 8:54
  You
• 8:54
  know
• 8:54
  what's
• 8:55
  in
• 8:55
  already
• 8:55
  in
• 8:55
  your
• 8:56
  inventory.
• 8:56
  It's
• 8:57
  going
• 8:57
  to
• 8:57
  reduce
• 8:57
  that
• 8:57
  stress.
• 8:58
  It's
• 8:58
  going
• 8:58
  to
• 8:58
  kill
• 8:58
  that
• 8:58
  guilt
• 8:59
  because
• 8:59
  you've
• 8:59
  already
• 8:59
  made
• 8:59
  a
• 9:00
  commitment.
• 9:00
  Hey,
• 9:00
  I'm
• 9:00
  going
• 9:01
  to
• 9:01
  stick
• 9:01
  to
• 9:01
  my
• 9:01
  guns
• 9:01
  this
• 9:02
  year.
• 9:02
  Here's
• 9:02
  the
• 9:03
  budget.
• 9:03
  Here's
• 9:04
  what
• 9:04
  I
• 9:04
  agreed
• 9:04
  to
• 9:04
  spend
• 9:05
  and
• 9:05
  it
• 9:05
  brings
• 9:06
  clarity,
• 9:06
  control
• 9:06
  and
• 9:07
  most
• 9:07
  of
• 9:07
  all,
• 9:08
  and
• 9:08
  this
• 9:08
  is
• 9:08
  the
• 9:09
  most
• 9:09
  important
• 9:09
  part,
• 9:10
  it
• 9:10
  honors
• 9:11
  God
• 9:11
  and
• 9:12
  it
• 9:12
  blesses
• 9:12
  your
• 9:12
  kids
• 9:13
  in
• 9:13
  the
• 9:13
  process.
• 9:14
  So,
• 9:14
  hey,
• 9:15
  I
• 9:15
  really
• 9:16
  hope
• 9:16
  today's
• 9:16
  show
• 9:17
  has
• 9:17
  really
• 9:17
  encouraged
• 9:18
  you
• 9:18
  and
• 9:18
  I
• 9:18
  want
• 9:19
  to
• 9:19
  ask
• 9:19
  you
• 9:19
  to
• 9:19
  do
• 9:19
  just
• 9:20
  one
• 9:20
  thing
• 9:20
  for
• 9:20
  me.
• 9:21
  I
• 9:21
  want
• 9:21
  to
• 9:21
  encourage
• 9:21
  you
• 9:21
  to
• 9:22
  share
• 9:22
  this
• 9:22
  episode
• 9:22
  with
• 9:23
  someone
• 9:23
  else,
• 9:23
  you
• 9:23
  know,
• 9:23
  who's
• 9:24
  maybe
• 9:24
  facing
• 9:24
  those
• 9:25
  same
• 9:25
  back
• 9:25
  to
• 9:26
  school
• 9:26
  money
• 9:26
  pressures.
• 9:27
  Maybe
• 9:28
  it's
• 9:28
  a
• 9:28
  friend,
• 9:28
  maybe
• 9:28
  it's
• 9:29
  a
• 9:29
  co
• 9:29
  worker.
• 9:29
  Hey,
• 9:30
  maybe
• 9:30
  it's
• 9:30
  just
• 9:30
  a
• 9:30
  parent
• 9:31
  from
• 9:31
  your
• 9:31
  school
• 9:32
  or
• 9:32
  your
• 9:32
  church
• 9:32
  group
• 9:33
  and
• 9:34
  you're
• 9:34
  thinking,
• 9:34
  Ralph,
• 9:34
  man,
• 9:35
  they
• 9:35
  don't
• 9:35
  need
• 9:35
  more
• 9:35
  stress.
• 9:36
  I
• 9:36
  certainly
• 9:36
  don't
• 9:36
  need
• 9:36
  it.
• 9:37
  But
• 9:37
  they
• 9:37
  need
• 9:38
  to
• 9:38
  hope
• 9:38
  and
• 9:39
  they
• 9:39
  need
• 9:39
  to
• 9:39
  have
• 9:39
  a
• 9:39
  plan.
• 9:40
  So
• 9:40
  send
• 9:40
  them
• 9:40
  this
• 9:41
  episode
• 9:41
  so
• 9:41
  that
• 9:42
  they
• 9:42
  can
• 9:42
  encourage
• 9:42
  them
• 9:43
  and
• 9:43
  they
• 9:43
  can
• 9:43
  be
• 9:44
  encouraged
• 9:44
  together.
• 9:44
  That's
• 9:45
  what
• 9:45
  we
• 9:45
  do
• 9:45
  here
• 9:46
  on
• 9:46
  Financially
• 9:46
  Confident
• 9:47
  Christians.
• 9:47
  We
• 9:48
  look
• 9:48
  out
• 9:48
  for
• 9:48
  one
• 9:48
  another.
• 9:49
  So
• 9:49
  just
• 9:49
  send
• 9:50
  them
• 9:50
  a
• 9:50
  text,
• 9:50
  send
• 9:50
  them
• 9:50
  an
• 9:50
  email
• 9:51
  or
• 9:51
  talk
• 9:51
  to
• 9:51
  them
• 9:52
  directly
• 9:52
  and
• 9:52
  say,
• 9:52
  hey,
• 9:53
  check
• 9:53
  out
• 9:53
  this
• 9:53
  website,
• 9:54
  financiallyconfidentchristian.com
• 9:57
  and
• 9:58
  let
• 9:58
  them
• 9:58
  know,
• 9:58
  hey,
• 9:58
  Ralph's
• 9:59
  doing
• 9:59
  a
• 9:59
  special
• 9:59
  series
• 9:59
  on
• 10:00
  how
• 10:00
  not
• 10:00
  to
• 10:01
  lose
• 10:01
  all
• 10:01
  your
• 10:01
  money
• 10:01
  on
• 10:02
  Back
• 10:02
  to
• 10:02
  school.
• 10:02
  It's
• 10:02
  a
• 10:02
  funny
• 10:03
  way
• 10:03
  to
• 10:03
  frame
• 10:03
  it,
• 10:03
  but
• 10:03
  say
• 10:03
  that
• 10:04
  to
• 10:04
  them.
• 10:04
  Probably
• 10:04
  get
• 10:05
  their
• 10:05
  attention.
• 10:06
  So
• 10:06
  here's
• 10:07
  your
• 10:07
  next
• 10:07
  step.
• 10:08
  Get
• 10:08
  those
• 10:08
  lists,
• 10:09
  check
• 10:09
  what
• 10:09
  you've
• 10:10
  got,
• 10:10
  and
• 10:10
  build
• 10:10
  that
• 10:11
  simple
• 10:11
  plan.
• 10:12
  And
• 10:12
  again,
• 10:12
  if
• 10:12
  you
• 10:13
  need
• 10:13
  more
• 10:13
  support,
• 10:13
  I've
• 10:13
  wrote
• 10:14
  a
• 10:14
  blog
• 10:14
  post
• 10:14
  about
• 10:14
  today's
• 10:15
  show.
• 10:15
  You
• 10:15
  can
• 10:15
  get
• 10:15
  that@financiallyconfidentchristian.com
• 10:19
  now
• 10:19
  tomorrow
• 10:20
  we're
• 10:20
  going
• 10:20
  to
• 10:20
  take
• 10:20
  the
• 10:21
  next
• 10:21
  step.
• 10:21
  We're
• 10:21
  going
• 10:21
  to
• 10:22
  tackle
• 10:22
  smart
• 10:22
  shopping
• 10:23
  strategies
• 10:23
  where
• 10:24
  going
• 10:24
  to
• 10:24
  tackle
• 10:24
  that
• 10:25
  beast
• 10:25
  of
• 10:25
  needs
• 10:25
  versus
• 10:26
  extras.
• 10:27
  And
• 10:27
  it's
• 10:27
  going
• 10:27
  to
• 10:27
  be
• 10:28
  a
• 10:28
  great
• 10:28
  show.
• 10:29
  So
• 10:29
  until
• 10:29
  then,
• 10:29
  I
• 10:30
  want
• 10:30
  to
• 10:30
  encourage
• 10:30
  you
• 10:30
  right
• 10:31
  now,
• 10:31
  keep
• 10:31
  the
• 10:32
  faith,
• 10:33
  stick
• 10:33
  to
• 10:33
  the
• 10:33
  plan
• 10:34
  and
• 10:35
  be
• 10:35
  confident
• 10:35
  because
• 10:36
  God's
• 10:36
  got
• 10:36
  you.
• 10:37
  God
• 10:37
  bless
• 10:38
  you
• 10:38
  and
• 10:38
  I'll
• 10:38
  see
• 10:38
  you
• 10:39
  tomorrow.