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Why Am I Dreading December Already? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  Ralph,
• 0:38
  why
• 0:38
  do
• 0:38
  I
• 0:38
  always
• 0:38
  feel
• 0:39
  so
• 0:39
  anxious
• 0:39
  and
• 0:39
  overwhelmed
• 0:40
  as
• 0:40
  soon
• 0:40
  as
• 0:40
  December
• 0:41
  starts?
• 0:41
  I
• 0:42
  want
• 0:42
  to
• 0:42
  enjoy
• 0:42
  the
• 0:43
  season,
• 0:43
  but
• 0:43
  every
• 0:44
  year
• 0:44
  I
• 0:44
  lose
• 0:44
  my
• 0:45
  peace
• 0:45
  before
• 0:46
  it
• 0:46
  even
• 0:46
  begins.
• 0:48
  You
• 0:48
  ever
• 0:48
  catch
• 0:48
  yourself
• 0:49
  sighing
• 0:49
  before
• 0:49
  December
• 0:50
  even
• 0:50
  begins?
• 0:51
  Like
• 0:51
  you
• 0:51
  haven't
• 0:51
  even
• 0:51
  heard
• 0:52
  the
• 0:52
  first
• 0:52
  Christmas
• 0:53
  song,
• 0:53
  but
• 0:53
  your
• 0:53
  shoulders
• 0:54
  are
• 0:54
  already
• 0:54
  starting
• 0:55
  to
• 0:55
  tense
• 0:55
  up
• 0:55
  and
• 0:56
  you
• 0:56
  feel
• 0:56
  like
• 0:56
  that
• 0:56
  to
• 0:56
  do
• 0:57
  list
• 0:57
  feels
• 0:57
  like
• 0:57
  it's
• 0:58
  mocking
• 0:58
  you.
• 0:59
  Maybe
• 0:59
  you
• 0:59
  even
• 1:00
  feel
• 1:00
  guilty
• 1:00
  for
• 1:01
  not
• 1:01
  feeling
• 1:01
  joyful,
• 1:02
  like
• 1:02
  you're
• 1:02
  supposed
• 1:03
  to
• 1:03
  be
• 1:03
  merry.
• 1:03
  But
• 1:04
  all
• 1:04
  you
• 1:04
  feel
• 1:04
  is
• 1:05
  pressure.
• 1:06
  If
• 1:06
  that's
• 1:06
  you,
• 1:06
  I'm
• 1:06
  gonna
• 1:07
  tell
• 1:07
  you
• 1:07
  right
• 1:07
  now,
• 1:07
  rest
• 1:07
  assured
• 1:08
  you're
• 1:08
  not
• 1:08
  alone
• 1:08
  in
• 1:08
  that.
• 1:08
  So
• 1:09
  many
• 1:09
  people
• 1:09
  believe
• 1:09
  that
• 1:10
  same
• 1:10
  thing.
• 1:10
  Listen
• 1:10
  to
• 1:10
  this
• 1:11
  one.
• 1:11
  A
• 1:11
  2025
• 1:12
  survey
• 1:13
  by
• 1:13
  the
• 1:13
  American
• 1:13
  Psychological
• 1:14
  association
• 1:15
  found
• 1:15
  this
• 1:16
  72%
• 1:17
  adults
• 1:17
  say
• 1:18
  the
• 1:18
  holiday
• 1:18
  season
• 1:18
  is
• 1:19
  their
• 1:19
  most
• 1:19
  stressful
• 1:20
  time
• 1:20
  of
• 1:20
  year.
• 1:20
  And
• 1:21
  for
• 1:21
  many,
• 1:22
  that
• 1:22
  stress
• 1:22
  starts
• 1:23
  before
• 1:23
  December
• 1:24
  even
• 1:24
  hits.
• 1:25
  But
• 1:25
  here's
• 1:25
  the
• 1:25
  truth.
• 1:26
  Peace
• 1:27
  doesn't
• 1:27
  come
• 1:27
  from
• 1:28
  having
• 1:28
  everything
• 1:28
  done.
• 1:29
  You
• 1:29
  need
• 1:29
  to
• 1:29
  hear
• 1:29
  that
• 1:29
  right
• 1:30
  off
• 1:30
  the
• 1:30
  jump
• 1:30
  here.
• 1:31
  It
• 1:31
  comes
• 1:31
  from
• 1:32
  surrendering
• 1:32
  it
• 1:32
  all
• 1:33
  to
• 1:33
  God
• 1:33
  before
• 1:33
  the
• 1:33
  rushing
• 1:34
  begins.
• 1:34
  So
• 1:34
  let's
• 1:35
  talk
• 1:35
  about
• 1:35
  finding
• 1:36
  peace
• 1:36
  today
• 1:37
  before
• 1:37
  December
• 1:38
  even
• 1:38
  starts.
• 1:38
  That's
• 1:39
  what
• 1:39
  we're
• 1:39
  going
• 1:39
  to
• 1:39
  cover
• 1:39
  on
• 1:39
  today's
• 1:40
  show.
• 1:41
  This
• 1:42
  is
• 1:42
  Financially
• 1:42
  Confident
• 1:43
  Christian,
• 1:44
  your
• 1:44
  daily
• 1:44
  dose
• 1:45
  of
• 1:45
  gospel,
• 1:45
  grounded
• 1:46
  insight
• 1:46
  and
• 1:46
  faith
• 1:47
  driven
• 1:47
  tips
• 1:48
  to
• 1:48
  help
• 1:48
  you
• 1:48
  break
• 1:48
  the
• 1:48
  cycle
• 1:49
  of
• 1:49
  financial
• 1:49
  shame
• 1:50
  with
• 1:50
  confidence.
• 1:53
  Welcome
• 1:53
  to
• 1:54
  the
• 1:54
  show,
• 1:54
  everybody.
• 1:54
  I'm
• 1:55
  Ralph.
• 1:55
  I'm
• 1:55
  so
• 1:55
  happy
• 1:56
  you
• 1:56
  chose
• 1:56
  to
• 1:56
  join
• 1:56
  me
• 1:57
  today.
• 1:57
  I
• 1:58
  so
• 1:58
  grateful
• 1:58
  for
• 1:59
  the
• 1:59
  confidence
• 1:59
  you
• 1:59
  place
• 2:00
  in
• 2:00
  me
• 2:00
  by
• 2:00
  coming
• 2:00
  to
• 2:00
  see
• 2:01
  me
• 2:01
  every
• 2:01
  day.
• 2:02
  And
• 2:02
  my
• 2:02
  goal
• 2:02
  every
• 2:02
  day
• 2:03
  is
• 2:03
  pretty
• 2:03
  simple.
• 2:04
  It's
• 2:04
  to
• 2:04
  help
• 2:04
  you
• 2:04
  break
• 2:04
  that
• 2:05
  cycle
• 2:05
  of
• 2:05
  financial
• 2:06
  shame
• 2:06
  and
• 2:07
  truly
• 2:07
  live
• 2:07
  in
• 2:07
  confidence.
• 2:08
  If
• 2:08
  you
• 2:08
  can
• 2:08
  say,
• 2:09
  ralph,
• 2:09
  you're
• 2:09
  helping
• 2:10
  me
• 2:10
  break
• 2:10
  the
• 2:10
  cycle,
• 2:10
  then
• 2:10
  I've
• 2:11
  done
• 2:11
  my
• 2:11
  job
• 2:11
  for
• 2:11
  today.
• 2:12
  And
• 2:12
  I've
• 2:12
  helped
• 2:13
  countless
• 2:13
  people
• 2:13
  just
• 2:14
  like
• 2:14
  you
• 2:14
  plan
• 2:15
  for
• 2:15
  peace
• 2:15
  and
• 2:16
  not
• 2:16
  panic
• 2:16
  during
• 2:16
  the
• 2:17
  holidays.
• 2:18
  Listen,
• 2:18
  I've
• 2:19
  learned
• 2:19
  this
• 2:19
  personally.
• 2:20
  Peace
• 2:21
  takes
• 2:21
  preparation,
• 2:22
  just
• 2:22
  like
• 2:22
  your
• 2:22
  finances.
• 2:23
  I'm
• 2:23
  good
• 2:23
  at
• 2:23
  finances,
• 2:24
  but
• 2:24
  peace,
• 2:25
  man,
• 2:25
  that's
• 2:25
  something
• 2:25
  I'm
• 2:26
  still
• 2:26
  working
• 2:26
  on,
• 2:26
  but.
• 2:27
  But
• 2:27
  we
• 2:27
  have
• 2:27
  to
• 2:27
  prepare
• 2:27
  for
• 2:28
  it.
• 2:28
  I'll
• 2:28
  never
• 2:29
  forget
• 2:29
  this.
• 2:29
  I
• 2:29
  had
• 2:29
  a
• 2:29
  client
• 2:29
  come
• 2:30
  into
• 2:30
  me
• 2:30
  one
• 2:30
  time
• 2:30
  and
• 2:30
  she
• 2:30
  says,
• 2:31
  ralph,
• 2:31
  I
• 2:31
  always
• 2:32
  run
• 2:32
  out
• 2:32
  of
• 2:32
  peace
• 2:32
  before
• 2:33
  I
• 2:33
  run
• 2:33
  out
• 2:33
  of
• 2:33
  money.
• 2:34
  I
• 2:34
  know
• 2:34
  that
• 2:34
  that
• 2:35
  line
• 2:35
  was
• 2:35
  great.
• 2:36
  We
• 2:36
  were
• 2:36
  talking
• 2:36
  about
• 2:36
  financial
• 2:37
  stuff.
• 2:37
  She
• 2:37
  goes,
• 2:37
  ralph,
• 2:38
  I'm
• 2:38
  cool
• 2:38
  with
• 2:38
  the
• 2:38
  money
• 2:39
  side,
• 2:39
  but
• 2:40
  I
• 2:40
  always
• 2:40
  run
• 2:40
  out
• 2:40
  of
• 2:40
  peace
• 2:41
  before
• 2:41
  I
• 2:41
  run
• 2:41
  out
• 2:41
  of
• 2:42
  money.
• 2:43
  And
• 2:43
  that
• 2:43
  stuck
• 2:44
  with
• 2:44
  me.
• 2:45
  And
• 2:45
  I
• 2:45
  encourage
• 2:46
  her
• 2:46
  to
• 2:46
  do
• 2:46
  something.
• 2:46
  I
• 2:46
  said,
• 2:47
  listen,
• 2:47
  here's
• 2:47
  one
• 2:47
  of
• 2:47
  the
• 2:47
  things
• 2:47
  I'm
• 2:47
  going
• 2:47
  to
• 2:47
  encourage
• 2:48
  you
• 2:48
  to
• 2:48
  do.
• 2:48
  Why
• 2:49
  don't
• 2:49
  you
• 2:49
  start
• 2:49
  journaling
• 2:50
  your
• 2:50
  December
• 2:51
  intention.
• 2:51
  Just
• 2:51
  spend
• 2:52
  10
• 2:52
  minutes
• 2:52
  a
• 2:52
  day
• 2:53
  and
• 2:53
  just
• 2:53
  journal
• 2:53
  what
• 2:54
  you're
• 2:54
  feeling.
• 2:55
  Set
• 2:55
  that
• 2:55
  down
• 2:56
  in
• 2:56
  paper,
• 2:57
  because,
• 2:57
  listen,
• 2:57
  you're
• 2:58
  running
• 2:58
  out
• 2:58
  of
• 2:58
  peace.
• 2:59
  You
• 2:59
  got
• 2:59
  to
• 2:59
  figure
• 3:00
  out
• 3:00
  why
• 3:00
  that
• 3:00
  is.
• 3:01
  And
• 3:01
  I'm
• 3:02
  going
• 3:02
  to
• 3:02
  forget.
• 3:02
  She
• 3:02
  came
• 3:02
  to
• 3:02
  me
• 3:02
  a
• 3:02
  couple
• 3:03
  months
• 3:03
  later.
• 3:03
  I
• 3:03
  remember
• 3:03
  it's
• 3:04
  February
• 3:04
  and
• 3:04
  March.
• 3:04
  We
• 3:04
  were
• 3:04
  doing
• 3:05
  our
• 3:05
  taxes.
• 3:05
  She
• 3:05
  says,
• 3:05
  ralph,
• 3:06
  man,
• 3:06
  that
• 3:06
  changed
• 3:07
  everything
• 3:07
  about
• 3:07
  the
• 3:07
  holiday
• 3:08
  season.
• 3:08
  I
• 3:08
  just
• 3:08
  wrote
• 3:08
  what
• 3:09
  I
• 3:09
  was
• 3:09
  feeling
• 3:09
  every
• 3:09
  day.
• 3:10
  I
• 3:10
  put
• 3:10
  it
• 3:10
  on
• 3:10
  the
• 3:10
  paper,
• 3:11
  I
• 3:11
  closed
• 3:11
  the
• 3:12
  notebook,
• 3:12
  and
• 3:12
  then
• 3:12
  I
• 3:13
  went
• 3:13
  back
• 3:13
  to
• 3:13
  living
• 3:14
  in
• 3:14
  gratefulness.
• 3:15
  And
• 3:15
  I
• 3:15
  love
• 3:15
  what
• 3:15
  Pastor
• 3:16
  Rick
• 3:16
  Warren
• 3:16
  said.
• 3:17
  He
• 3:17
  said,
• 3:17
  you
• 3:17
  can't
• 3:18
  have
• 3:18
  the
• 3:18
  peace
• 3:18
  of
• 3:18
  God
• 3:19
  until
• 3:19
  you
• 3:20
  make
• 3:20
  peace
• 3:20
  with.
• 3:21
  With
• 3:21
  God.
• 3:22
  And
• 3:22
  it's
• 3:22
  so
• 3:22
  easy
• 3:23
  in
• 3:23
  our
• 3:23
  culture
• 3:23
  to
• 3:23
  forget
• 3:24
  about
• 3:24
  that.
• 3:24
  But
• 3:24
  I
• 3:24
  love
• 3:25
  what
• 3:25
  he
• 3:25
  says.
• 3:25
  He
• 3:25
  says,
• 3:25
  you
• 3:25
  can't
• 3:26
  have
• 3:26
  the
• 3:26
  peace
• 3:27
  of
• 3:27
  God
• 3:28
  until
• 3:28
  you
• 3:28
  make
• 3:28
  peace
• 3:29
  with
• 3:29
  God.
• 3:30
  So
• 3:30
  today
• 3:30
  on
• 3:30
  the
• 3:30
  show,
• 3:30
  let's
• 3:31
  talk
• 3:31
  about
• 3:31
  why
• 3:31
  we
• 3:31
  always
• 3:32
  feel
• 3:32
  so
• 3:32
  anxious
• 3:33
  and
• 3:33
  overwhelmed
• 3:34
  as
• 3:34
  soon
• 3:34
  as
• 3:34
  December
• 3:35
  starts.
• 3:35
  But
• 3:35
  bigger
• 3:36
  than
• 3:36
  those
• 3:36
  things,
• 3:37
  let
• 3:38
  me
• 3:38
  tell
• 3:38
  you
• 3:38
  how
• 3:38
  you
• 3:38
  can
• 3:38
  get
• 3:38
  past
• 3:39
  that.
• 3:40
  First
• 3:40
  thing
• 3:40
  I'm
• 3:40
  going
• 3:40
  to
• 3:40
  tell
• 3:41
  you
• 3:41
  to
• 3:41
  do.
• 3:41
  It
• 3:41
  all
• 3:41
  starts
• 3:41
  with
• 3:42
  planning.
• 3:42
  You
• 3:42
  got
• 3:43
  to
• 3:43
  look
• 3:43
  ahead.
• 3:43
  You
• 3:43
  got
• 3:43
  to
• 3:43
  put
• 3:44
  a
• 3:44
  schedule
• 3:44
  together.
• 3:44
  Now
• 3:45
  you're
• 3:45
  like,
• 3:45
  Ralph,
• 3:45
  that
• 3:45
  sounds
• 3:46
  pretty
• 3:46
  regimented.
• 3:47
  That
• 3:47
  sounds
• 3:47
  pretty
• 3:48
  legalistic.
• 3:48
  But.
• 3:49
  But
• 3:49
  listen,
• 3:49
  a
• 3:50
  schedule
• 3:50
  gives
• 3:50
  you
• 3:50
  room
• 3:51
  to
• 3:51
  breathe.
• 3:52
  Because
• 3:52
  here's
• 3:52
  the
• 3:52
  thing
• 3:53
  I
• 3:53
  want
• 3:53
  you
• 3:53
  to
• 3:53
  hear.
• 3:53
  Peace
• 3:54
  isn't
• 3:54
  going
• 3:54
  to
• 3:54
  happen
• 3:54
  by
• 3:54
  accident.
• 3:56
  You
• 3:56
  need
• 3:56
  to
• 3:56
  really
• 3:57
  be
• 3:57
  intentional.
• 3:57
  I'm
• 3:58
  going
• 3:58
  to
• 3:58
  call
• 3:58
  it
• 3:58
  your
• 3:58
  intentional
• 3:59
  peace
• 3:59
  plan.
• 4:00
  Kind
• 4:00
  of
• 4:00
  like,
• 4:00
  you
• 4:00
  know,
• 4:00
  at
• 4:01
  United
• 4:01
  nations,
• 4:02
  they
• 4:02
  come
• 4:02
  up
• 4:02
  with
• 4:02
  these
• 4:02
  peace
• 4:02
  plans.
• 4:03
  Well,
• 4:03
  that's
• 4:03
  what
• 4:03
  you
• 4:03
  need
• 4:03
  to
• 4:04
  do
• 4:04
  for
• 4:04
  December
• 4:05
  because
• 4:05
  you
• 4:05
  need
• 4:05
  space
• 4:06
  to
• 4:06
  grow.
• 4:06
  Think
• 4:06
  of
• 4:07
  peace
• 4:07
  as
• 4:07
  a
• 4:07
  savings
• 4:08
  account.
• 4:08
  Think
• 4:08
  about
• 4:08
  this
• 4:08
  for
• 4:09
  just
• 4:09
  a
• 4:09
  second.
• 4:09
  You
• 4:10
  put
• 4:10
  money
• 4:10
  in
• 4:10
  a
• 4:10
  savings
• 4:11
  account,
• 4:12
  but
• 4:12
  you
• 4:12
  got
• 4:12
  to
• 4:12
  deposit
• 4:13
  daily
• 4:13
  before
• 4:14
  you
• 4:14
  draw
• 4:14
  anything
• 4:15
  out
• 4:15
  during
• 4:15
  those
• 4:15
  hard
• 4:15
  days,
• 4:16
  if
• 4:16
  you're
• 4:16
  not
• 4:16
  putting
• 4:17
  contributions
• 4:17
  into
• 4:18
  that
• 4:18
  savings
• 4:18
  account,
• 4:18
  listen,
• 4:19
  and
• 4:19
  then
• 4:19
  an
• 4:19
  emergency
• 4:20
  comes
• 4:20
  up,
• 4:21
  there's
• 4:21
  nothing
• 4:21
  in
• 4:21
  the
• 4:21
  account.
• 4:22
  Well,
• 4:22
  peace
• 4:23
  works
• 4:23
  the
• 4:23
  same
• 4:23
  way.
• 4:24
  You've
• 4:24
  got
• 4:25
  to
• 4:25
  build
• 4:25
  that
• 4:25
  into
• 4:26
  your
• 4:26
  schedule.
• 4:27
  That's
• 4:27
  the
• 4:27
  first
• 4:27
  thing.
• 4:28
  Second
• 4:28
  thing.
• 4:29
  And
• 4:29
  listen,
• 4:29
  Mom's
• 4:30
  out
• 4:30
  there.
• 4:30
  I'm
• 4:31
  going
• 4:31
  to
• 4:31
  speak
• 4:31
  to
• 4:31
  you
• 4:31
  for
• 4:31
  a
• 4:32
  second.
• 4:32
  It's
• 4:33
  okay
• 4:33
  to
• 4:33
  set
• 4:33
  boundaries
• 4:34
  because
• 4:35
  every
• 4:35
  yes
• 4:35
  costs
• 4:36
  time
• 4:36
  and
• 4:36
  rests.
• 4:37
  It's
• 4:37
  okay
• 4:38
  to
• 4:38
  say
• 4:38
  no.
• 4:38
  You.
• 4:38
  You
• 4:38
  probably
• 4:39
  said,
• 4:39
  ralph,
• 4:39
  I've
• 4:39
  heard
• 4:39
  that
• 4:39
  the
• 4:40
  last
• 4:40
  few
• 4:40
  days
• 4:40
  on
• 4:40
  you.
• 4:41
  It's
• 4:41
  so
• 4:41
  important
• 4:41
  because
• 4:42
  so
• 4:42
  many
• 4:42
  people
• 4:43
  don't
• 4:43
  understand
• 4:44
  yes,
• 4:44
  you
• 4:44
  can
• 4:44
  say
• 4:45
  no
• 4:45
  in
• 4:45
  love
• 4:46
  so
• 4:47
  that
• 4:47
  you
• 4:47
  can
• 4:47
  say
• 4:47
  yes
• 4:47
  to
• 4:48
  what
• 4:48
  truly
• 4:48
  matters.
• 4:49
  Because
• 4:49
  your
• 4:50
  calendar
• 4:50
  is
• 4:50
  Like
• 4:50
  a
• 4:50
  financial
• 4:51
  budget.
• 4:51
  We
• 4:51
  talk
• 4:51
  on
• 4:52
  the
• 4:52
  show
• 4:52
  about
• 4:52
  financial
• 4:53
  budgets
• 4:53
  all
• 4:54
  the
• 4:54
  time.
• 4:54
  But
• 4:55
  if
• 4:55
  you're
• 4:55
  overspending
• 4:56
  the
• 4:56
  time,
• 4:56
  guess
• 4:56
  what
• 4:56
  happens?
• 4:57
  Like
• 4:58
  my
• 4:58
  client
• 4:58
  said,
• 4:59
  you're
• 4:59
  going
• 4:59
  to
• 4:59
  be
• 4:59
  spiritually
• 5:00
  broke.
• 5:01
  And
• 5:01
  when
• 5:01
  you're
• 5:01
  spiritually
• 5:02
  broke,
• 5:02
  everyone's
• 5:03
  going
• 5:03
  to
• 5:03
  suffer
• 5:03
  from
• 5:03
  that.
• 5:04
  But
• 5:05
  when
• 5:05
  you
• 5:05
  take
• 5:05
  your
• 5:05
  time
• 5:06
  back,
• 5:06
  when
• 5:07
  you
• 5:07
  say
• 5:07
  no
• 5:07
  to
• 5:08
  things,
• 5:08
  you've
• 5:09
  got
• 5:09
  time
• 5:09
  to
• 5:09
  honor
• 5:10
  and
• 5:10
  you've
• 5:10
  got
• 5:10
  time
• 5:10
  to
• 5:11
  consider
• 5:11
  what's
• 5:12
  truly
• 5:12
  important
• 5:12
  in
• 5:12
  the
• 5:13
  holidays.
• 5:13
  And
• 5:14
  here's
• 5:14
  another
• 5:14
  thing
• 5:14
  I'm
• 5:14
  going
• 5:14
  to
• 5:15
  encourage
• 5:15
  you
• 5:15
  to
• 5:15
  do.
• 5:16
  Simplify
• 5:16
  those
• 5:17
  expectations.
• 5:17
  There's
• 5:18
  this
• 5:18
  huge
• 5:18
  contrast
• 5:19
  between
• 5:19
  what
• 5:20
  culture
• 5:20
  and
• 5:20
  faith
• 5:21
  is
• 5:21
  telling
• 5:21
  us.
• 5:22
  I
• 5:22
  talk
• 5:22
  about
• 5:22
  this
• 5:22
  on
• 5:22
  my
• 5:23
  show
• 5:23
  all
• 5:23
  the
• 5:23
  time.
• 5:23
  I'm
• 5:23
  going
• 5:23
  to
• 5:24
  do
• 5:24
  a
• 5:24
  little
• 5:24
  plug
• 5:24
  here
• 5:24
  right
• 5:25
  quick.
• 5:25
  I
• 5:25
  do
• 5:25
  a
• 5:25
  weekly
• 5:26
  show.
• 5:26
  It's
• 5:26
  called
• 5:26
  Truth
• 5:27
  Unveiled
• 5:27
  with
• 5:28
  Ralph.
• 5:28
  And
• 5:28
  in
• 5:28
  that
• 5:29
  show,
• 5:29
  I
• 5:29
  talk
• 5:29
  about
• 5:30
  how
• 5:30
  we're
• 5:30
  constantly
• 5:31
  battling
• 5:31
  culture
• 5:32
  and
• 5:32
  faith.
• 5:32
  I'm
• 5:32
  going
• 5:32
  to
• 5:32
  encourage
• 5:32
  you
• 5:33
  to
• 5:33
  check
• 5:33
  it
• 5:33
  out.
• 5:33
  We'll
• 5:33
  put
• 5:33
  it
• 5:34
  in
• 5:34
  the
• 5:34
  show
• 5:34
  notes.
• 5:34
  But
• 5:34
  it's
• 5:34
  real
• 5:35
  simple
• 5:35
  to
• 5:35
  get
• 5:35
  to.
• 5:35
  It's
• 5:36
  truth
• 5:36
  unveiled
• 5:37
  with
• 5:37
  Ralph.com
• 5:38
  because
• 5:38
  the
• 5:39
  world
• 5:39
  says
• 5:39
  joy
• 5:40
  comes
• 5:40
  from
• 5:40
  those
• 5:40
  perfect
• 5:40
  decorations.
• 5:41
  You
• 5:41
  know,
• 5:42
  that
• 5:42
  beautiful
• 5:42
  Christmas
• 5:43
  tree
• 5:43
  and
• 5:43
  all
• 5:43
  the
• 5:44
  sparkling
• 5:44
  lights,
• 5:44
  those
• 5:45
  big
• 5:45
  moments.
• 5:47
  But
• 5:47
  God
• 5:47
  says
• 5:47
  something
• 5:48
  so
• 5:48
  completely
• 5:49
  different
• 5:49
  than
• 5:49
  that.
• 5:50
  God
• 5:50
  says
• 5:50
  joy
• 5:50
  comes
• 5:50
  from
• 5:51
  his
• 5:51
  presence,
• 5:52
  not
• 5:53
  the
• 5:53
  presence
• 5:53
  under
• 5:53
  the
• 5:54
  tree.
• 5:55
  And
• 5:55
  your
• 5:55
  family
• 5:55
  needs
• 5:56
  this.
• 5:56
  Your
• 5:56
  family
• 5:56
  needs
• 5:57
  that
• 5:57
  calm
• 5:57
  spirit
• 5:58
  more
• 5:58
  than
• 5:58
  that
• 5:58
  picture
• 5:59
  perfect
• 5:59
  holiday.
• 5:59
  We
• 6:00
  spend
• 6:00
  so
• 6:00
  much
• 6:00
  time
• 6:01
  in
• 6:01
  our
• 6:01
  life
• 6:01
  struggling
• 6:02
  for
• 6:02
  that
• 6:02
  picture
• 6:03
  perfect
• 6:03
  holiday.
• 6:04
  But
• 6:05
  God
• 6:05
  just
• 6:05
  wants
• 6:05
  us
• 6:06
  to
• 6:06
  have
• 6:06
  joy
• 6:06
  and
• 6:06
  he
• 6:06
  wants
• 6:07
  us
• 6:07
  to
• 6:07
  have
• 6:07
  peace.
• 6:08
  Well,
• 6:08
  how
• 6:08
  do
• 6:08
  you
• 6:09
  do
• 6:09
  that?
• 6:09
  You
• 6:09
  got
• 6:09
  to
• 6:09
  schedule
• 6:10
  this
• 6:10
  time.
• 6:10
  Listen
• 6:10
  again,
• 6:11
  I'm
• 6:11
  going
• 6:11
  to
• 6:11
  harp
• 6:12
  on
• 6:12
  this
• 6:12
  for
• 6:12
  a
• 6:12
  second,
• 6:13
  but
• 6:13
  set
• 6:13
  aside
• 6:13
  10
• 6:14
  to
• 6:14
  15
• 6:14
  minutes
• 6:15
  each
• 6:15
  morning.
• 6:15
  This
• 6:16
  is
• 6:16
  why
• 6:16
  I
• 6:16
  encourage
• 6:16
  you
• 6:17
  to
• 6:17
  do
• 6:17
  for
• 6:17
  the
• 6:17
  month
• 6:17
  of
• 6:17
  December,
• 6:18
  set
• 6:18
  aside
• 6:19
  10
• 6:19
  or
• 6:19
  15
• 6:19
  minutes
• 6:20
  each
• 6:20
  morning
• 6:20
  for
• 6:21
  just
• 6:21
  prayer
• 6:21
  and
• 6:21
  reflection.
• 6:22
  Maybe
• 6:23
  a
• 6:23
  slow
• 6:23
  cup
• 6:23
  of
• 6:23
  coffee.
• 6:24
  I
• 6:24
  don't
• 6:24
  drink
• 6:24
  coffee,
• 6:24
  but
• 6:24
  I
• 6:25
  do
• 6:25
  drink
• 6:25
  tea.
• 6:25
  I
• 6:25
  got
• 6:25
  my
• 6:26
  teacup
• 6:26
  right
• 6:26
  here.
• 6:26
  I
• 6:27
  start
• 6:27
  the
• 6:27
  day
• 6:27
  every
• 6:27
  day
• 6:27
  with
• 6:28
  some
• 6:28
  tea.
• 6:28
  But
• 6:29
  before
• 6:29
  the
• 6:29
  day
• 6:29
  even
• 6:29
  begins,
• 6:31
  just
• 6:31
  pray
• 6:31
  about
• 6:32
  what's
• 6:32
  going
• 6:32
  to
• 6:32
  happen
• 6:32
  today.
• 6:33
  Reflect
• 6:33
  on
• 6:33
  what
• 6:33
  God
• 6:34
  has
• 6:34
  given
• 6:34
  you.
• 6:34
  Because
• 6:34
  listen,
• 6:35
  peace
• 6:35
  is
• 6:36
  built
• 6:36
  in
• 6:36
  that
• 6:37
  stillness.
• 6:38
  And
• 6:38
  like
• 6:38
  I
• 6:39
  talked
• 6:39
  about
• 6:39
  on
• 6:39
  yesterday's
• 6:40
  show,
• 6:40
  it
• 6:41
  all
• 6:41
  starts
• 6:42
  with
• 6:42
  gratitude.
• 6:43
  It's
• 6:43
  all
• 6:43
  about
• 6:43
  being
• 6:44
  grateful.
• 6:44
  See,
• 6:45
  thankfulness
• 6:45
  can
• 6:46
  become
• 6:46
  a
• 6:46
  huge
• 6:47
  decision
• 6:47
  filter.
• 6:48
  If
• 6:49
  it
• 6:49
  doesn't
• 6:49
  bring
• 6:49
  gratitude
• 6:50
  or
• 6:50
  peace,
• 6:50
  it
• 6:51
  doesn't
• 6:51
  belong
• 6:51
  in
• 6:51
  your
• 6:51
  life.
• 6:52
  I
• 6:52
  know
• 6:52
  that's
• 6:52
  a
• 6:52
  strong
• 6:52
  thing
• 6:53
  to
• 6:53
  say,
• 6:53
  but
• 6:54
  if
• 6:54
  what
• 6:54
  you're
• 6:54
  fixing
• 6:55
  to
• 6:55
  do,
• 6:55
  my
• 6:55
  grandfather,
• 6:55
  you
• 6:56
  are
• 6:56
  fixing
• 6:56
  all
• 6:56
  the
• 6:56
  time,
• 6:56
  good
• 6:57
  Southern
• 6:57
  gentleman.
• 6:57
  But
• 6:58
  if
• 6:58
  what
• 6:58
  you're
• 6:58
  fixing
• 6:59
  to
• 6:59
  do
• 6:59
  isn't
• 6:59
  bringing
• 7:00
  you
• 7:00
  gratitude
• 7:00
  or
• 7:01
  isn't
• 7:01
  bringing
• 7:01
  you
• 7:01
  peace,
• 7:02
  it
• 7:02
  doesn't
• 7:03
  belong
• 7:03
  in
• 7:03
  that,
• 7:03
  because
• 7:03
  gratitude
• 7:04
  will
• 7:04
  shift
• 7:04
  your
• 7:05
  focus
• 7:05
  from
• 7:05
  what's
• 7:06
  missing
• 7:06
  to
• 7:07
  or
• 7:07
  what
• 7:07
  we
• 7:07
  already
• 7:08
  have.
• 7:08
  And
• 7:08
  that's
• 7:08
  what
• 7:08
  we
• 7:08
  got
• 7:08
  to
• 7:09
  focus
• 7:09
  on
• 7:09
  so
• 7:09
  many
• 7:09
  times.
• 7:11
  So
• 7:11
  I'm
• 7:11
  going
• 7:11
  to
• 7:11
  add
• 7:12
  a
• 7:12
  little
• 7:12
  something
• 7:12
  to
• 7:12
  the
• 7:13
  show
• 7:13
  today.
• 7:13
  I'm
• 7:13
  going
• 7:13
  to
• 7:13
  call
• 7:13
  this
• 7:13
  my
• 7:13
  reflective
• 7:14
  moment.
• 7:15
  So
• 7:15
  before
• 7:15
  today,
• 7:16
  anything
• 7:16
  else
• 7:16
  goes
• 7:17
  on,
• 7:17
  before
• 7:17
  you
• 7:17
  rush
• 7:17
  into
• 7:18
  the
• 7:18
  next
• 7:18
  thing,
• 7:18
  I
• 7:18
  want
• 7:19
  you
• 7:19
  to
• 7:19
  just
• 7:19
  pause
• 7:19
  a
• 7:19
  minute.
• 7:20
  I
• 7:20
  want
• 7:20
  you
• 7:20
  to
• 7:20
  ask
• 7:20
  yourself
• 7:21
  this
• 7:21
  question,
• 7:21
  maybe
• 7:21
  write
• 7:22
  this
• 7:22
  down
• 7:22
  and
• 7:22
  ask
• 7:22
  yourself
• 7:23
  this
• 7:23
  every
• 7:23
  day.
• 7:24
  What's
• 7:24
  the
• 7:24
  one
• 7:25
  thing
• 7:25
  stealing
• 7:25
  my
• 7:26
  peace
• 7:26
  right
• 7:26
  now?
• 7:27
  Think
• 7:28
  about
• 7:28
  that
• 7:28
  for
• 7:28
  a
• 7:28
  second.
• 7:28
  What's
• 7:29
  that
• 7:29
  one
• 7:29
  thing
• 7:29
  that's
• 7:29
  stealing
• 7:30
  your
• 7:30
  peace?
• 7:30
  And
• 7:31
  what
• 7:31
  would
• 7:31
  it
• 7:31
  look
• 7:31
  like
• 7:31
  to
• 7:31
  give
• 7:32
  that
• 7:32
  to
• 7:32
  God
• 7:33
  instead
• 7:33
  of
• 7:34
  trying
• 7:34
  to
• 7:34
  fix
• 7:34
  it
• 7:34
  myself?
• 7:35
  See
• 7:35
  that
• 7:35
  surrender
• 7:36
  we're
• 7:36
  talking
• 7:36
  about?
• 7:37
  What's
• 7:37
  that
• 7:37
  one
• 7:38
  thing
• 7:38
  that's
• 7:38
  stealing
• 7:38
  my
• 7:39
  peace
• 7:39
  right
• 7:39
  now?
• 7:40
  And
• 7:40
  what
• 7:40
  would
• 7:40
  it
• 7:40
  feel
• 7:40
  like
• 7:41
  to
• 7:41
  give
• 7:41
  that
• 7:41
  to
• 7:41
  God
• 7:41
  instead
• 7:42
  of
• 7:42
  trying
• 7:42
  to
• 7:42
  fix
• 7:42
  it
• 7:42
  myself?
• 7:43
  Which
• 7:43
  leads
• 7:44
  us
• 7:44
  to
• 7:44
  today's
• 7:44
  Bible
• 7:44
  verse.
• 7:45
  It
• 7:45
  comes
• 7:45
  to
• 7:45
  us
• 7:45
  from
• 7:45
  the
• 7:46
  book
• 7:46
  of
• 7:46
  Philippians,
• 7:47
  chapter
• 7:47
  4,
• 7:47
  verses
• 7:48
  6
• 7:48
  to
• 7:48
  7.
• 7:49
  It
• 7:49
  says
• 7:49
  this.
• 7:49
  And
• 7:49
  I
• 7:50
  want
• 7:50
  you
• 7:50
  to
• 7:50
  anchor
• 7:51
  you
• 7:51
  today
• 7:51
  in
• 7:51
  this.
• 7:52
  Do
• 7:52
  not
• 7:52
  be
• 7:52
  anxious
• 7:53
  about
• 7:53
  anything,
• 7:54
  but
• 7:54
  in
• 7:54
  every
• 7:55
  situation,
• 7:55
  by
• 7:56
  prayer
• 7:56
  and
• 7:56
  petition,
• 7:56
  with
• 7:57
  thanksgiving,
• 7:57
  present
• 7:58
  your
• 7:58
  request
• 7:58
  to
• 7:59
  God.
• 7:59
  And
• 7:59
  the
• 7:59
  peace
• 7:59
  of
• 7:59
  God,
• 8:00
  which
• 8:00
  transcends
• 8:01
  all
• 8:01
  understanding,
• 8:02
  will
• 8:02
  guard
• 8:03
  your
• 8:03
  hearts
• 8:03
  and
• 8:03
  your
• 8:04
  minds
• 8:04
  in
• 8:04
  Christ
• 8:04
  Jesus.
• 8:06
  So
• 8:06
  let's
• 8:07
  pray
• 8:07
  together,
• 8:07
  Lord,
• 8:07
  before
• 8:08
  the
• 8:08
  rush
• 8:08
  begins.
• 8:09
  I
• 8:09
  give
• 8:10
  you
• 8:10
  my
• 8:10
  December,
• 8:10
  Lord.
• 8:11
  I
• 8:11
  just
• 8:11
  surrender
• 8:11
  it
• 8:11
  to
• 8:12
  you.
• 8:12
  I
• 8:12
  surrender
• 8:13
  my
• 8:13
  schedule.
• 8:14
  I
• 8:14
  surrender
• 8:14
  my
• 8:15
  spending.
• 8:15
  I
• 8:15
  surrender
• 8:16
  my
• 8:16
  spirit.
• 8:17
  And
• 8:17
  I
• 8:17
  just
• 8:17
  answer
• 8:18
  you.
• 8:18
  Replace
• 8:18
  my
• 8:18
  worry
• 8:19
  with
• 8:19
  worship
• 8:20
  and
• 8:20
  my
• 8:20
  chaos
• 8:21
  with
• 8:21
  calm.
• 8:21
  Help
• 8:21
  me
• 8:22
  find
• 8:22
  peace
• 8:22
  not
• 8:22
  in
• 8:22
  what
• 8:23
  I
• 8:23
  finish,
• 8:24
  but
• 8:25
  in
• 8:25
  what
• 8:25
  you've
• 8:25
  already
• 8:26
  finished
• 8:26
  for
• 8:26
  me
• 8:27
  and
• 8:27
  in
• 8:27
  who
• 8:28
  you
• 8:28
  are.
• 8:28
  And
• 8:28
  I
• 8:28
  ask
• 8:28
  this
• 8:29
  in
• 8:29
  complete
• 8:30
  confidence
• 8:30
  in
• 8:31
  the
• 8:31
  name
• 8:31
  of
• 8:31
  Jesus,
• 8:32
  Amen.
• 8:33
  Okay,
• 8:33
  here's
• 8:33
  your
• 8:33
  action
• 8:34
  item.
• 8:34
  Before
• 8:34
  December
• 8:35
  begins,
• 8:35
  I
• 8:36
  want
• 8:36
  you
• 8:36
  to
• 8:36
  schedule
• 8:36
  one
• 8:37
  peace
• 8:37
  hour
• 8:38
  this
• 8:38
  weekend.
• 8:39
  Just
• 8:39
  one
• 8:39
  peace
• 8:40
  hour.
• 8:40
  No
• 8:40
  tasks,
• 8:41
  no
• 8:41
  screens,
• 8:42
  no
• 8:42
  obligation.
• 8:42
  Just
• 8:43
  a
• 8:43
  time
• 8:43
  to
• 8:43
  rest,
• 8:44
  a
• 8:44
  time
• 8:44
  to
• 8:44
  reflect
• 8:45
  and
• 8:45
  listen.
• 8:46
  Be
• 8:46
  thankful
• 8:47
  for
• 8:47
  what
• 8:47
  God
• 8:48
  has
• 8:48
  given
• 8:48
  you
• 8:48
  because
• 8:48
  God
• 8:48
  has
• 8:49
  given
• 8:49
  you
• 8:49
  so
• 8:49
  much.
• 8:50
  And
• 8:50
  when
• 8:50
  we
• 8:50
  really
• 8:51
  focus
• 8:51
  on
• 8:51
  what
• 8:51
  God
• 8:52
  has
• 8:52
  given
• 8:52
  us,
• 8:52
  man,
• 8:53
  we
• 8:53
  will
• 8:53
  truly
• 8:54
  find
• 8:54
  the
• 8:55
  joy
• 8:55
  and
• 8:55
  the
• 8:56
  reason
• 8:56
  for
• 8:56
  the
• 8:56
  season.
• 8:57
  Now,
• 8:57
  before
• 8:57
  I
• 8:58
  wrap
• 8:58
  up
• 8:58
  today,
• 8:58
  I
• 8:59
  want
• 8:59
  to
• 8:59
  invite
• 8:59
  you
• 8:59
  to
• 8:59
  be
• 8:59
  part
• 8:59
  of
• 9:00
  something
• 9:00
  special,
• 9:00
  something
• 9:00
  we
• 9:01
  just
• 9:01
  launched.
• 9:01
  It's
• 9:02
  called
• 9:02
  the
• 9:02
  Financially
• 9:02
  Confident
• 9:03
  Christian
• 9:03
  Community.
• 9:04
  Now,
• 9:04
  this
• 9:04
  is
• 9:04
  a
• 9:04
  wonderful
• 9:05
  place
• 9:05
  where
• 9:06
  believers
• 9:06
  just
• 9:06
  like
• 9:06
  you
• 9:07
  can
• 9:07
  grow
• 9:07
  together.
• 9:08
  We
• 9:08
  can
• 9:08
  share
• 9:08
  encouragement.
• 9:09
  We
• 9:09
  can
• 9:09
  share
• 9:10
  those
• 9:10
  blessings
• 9:10
  that
• 9:10
  we're
• 9:11
  feeling.
• 9:11
  We
• 9:11
  can
• 9:11
  share
• 9:11
  those
• 9:12
  challenges
• 9:12
  that
• 9:13
  we're
• 9:13
  having.
• 9:13
  It's
• 9:14
  a
• 9:14
  way
• 9:14
  to
• 9:14
  help
• 9:14
  spread
• 9:14
  God's
• 9:15
  truth
• 9:15
  about
• 9:15
  money
• 9:16
  and
• 9:16
  about
• 9:16
  all
• 9:17
  the
• 9:17
  deeds,
• 9:17
  the
• 9:18
  things
• 9:18
  we're
• 9:18
  dealing
• 9:18
  with
• 9:18
  in
• 9:18
  our
• 9:19
  spiritual
• 9:19
  lives.
• 9:19
  And
• 9:19
  you
• 9:19
  can
• 9:20
  join
• 9:20
  it
• 9:20
  real
• 9:20
  simple.
• 9:20
  It
• 9:21
  doesn't
• 9:21
  cost
• 9:21
  you
• 9:21
  a
• 9:21
  dime.
• 9:22
  You
• 9:22
  go
• 9:22
  to
• 9:22
  financiallyconfidentchristian.com/join
• 9:25
  and
• 9:26
  when
• 9:26
  you
• 9:26
  go
• 9:26
  there
• 9:26
  now,
• 9:26
  there
• 9:27
  are
• 9:27
  some
• 9:27
  ways
• 9:27
  that
• 9:27
  you
• 9:27
  can
• 9:28
  support
• 9:28
  the
• 9:28
  show
• 9:28
  there.
• 9:28
  I'm
• 9:29
  not
• 9:29
  going
• 9:29
  to
• 9:29
  tell
• 9:29
  you
• 9:29
  that's
• 9:29
  not
• 9:29
  true.
• 9:30
  You
• 9:30
  can,
• 9:30
  but
• 9:30
  you
• 9:30
  don't
• 9:31
  have
• 9:31
  to.
• 9:31
  You're
• 9:32
  not
• 9:32
  just
• 9:32
  supporting
• 9:32
  the
• 9:32
  show.
• 9:33
  You're
• 9:33
  helping
• 9:33
  build
• 9:33
  a
• 9:34
  community
• 9:34
  of
• 9:34
  faith
• 9:35
  and
• 9:35
  you're
• 9:35
  building
• 9:35
  community
• 9:36
  of
• 9:36
  freedom
• 9:36
  that
• 9:36
  reaches
• 9:37
  people
• 9:37
  listen
• 9:37
  all
• 9:37
  over
• 9:38
  the
• 9:38
  world.
• 9:38
  So
• 9:39
  I
• 9:39
  want
• 9:39
  to
• 9:39
  encourage
• 9:39
  you
• 9:39
  right
• 9:40
  now,
• 9:40
  come
• 9:40
  be
• 9:40
  part
• 9:40
  of
• 9:41
  what
• 9:41
  God
• 9:41
  is
• 9:41
  doing
• 9:41
  through
• 9:42
  this
• 9:42
  mission.
• 9:42
  It's
• 9:43
  super
• 9:43
  simple
• 9:43
  to
• 9:43
  get
• 9:43
  there.
• 9:44
  That'sat
• 9:45
  financiallyconfidentchristian.com/join.
• 9:47
  We'll
• 9:48
  put
• 9:48
  that
• 9:48
  in
• 9:48
  the
• 9:48
  show
• 9:48
  notes.
• 9:48
  But
• 9:49
  again,
• 9:49
  that's
• 9:49
  financiallyconfidentchristian.com/join.
• 9:53
  Why
• 9:53
  don't
• 9:53
  you
• 9:53
  consider
• 9:53
  joining
• 9:54
  that
• 9:54
  today?
• 9:55
  Listen
• 9:55
  to
• 9:56
  me
• 9:56
  as
• 9:56
  I
• 9:56
  end
• 9:56
  today.
• 9:57
  Peace
• 9:58
  doesn't
• 9:58
  just
• 9:58
  happen.
• 9:58
  If
• 9:58
  you
• 9:59
  think
• 9:59
  peace
• 9:59
  is
• 9:59
  going
• 10:00
  to
• 10:00
  be
• 10:00
  like
• 10:00
  that
• 10:00
  Buddhist
• 10:00
  fellow
• 10:01
  who
• 10:01
  just
• 10:01
  sits
• 10:01
  there
• 10:02
  and
• 10:02
  the
• 10:02
  peace
• 10:02
  just
• 10:02
  rains
• 10:03
  down
• 10:03
  on
• 10:03
  you,
• 10:04
  doesn't
• 10:04
  work
• 10:04
  that
• 10:04
  way.
• 10:04
  I'm
• 10:05
  sorry
• 10:05
  to
• 10:05
  burst
• 10:05
  your
• 10:05
  bubble.
• 10:06
  It's
• 10:06
  a
• 10:06
  choice.
• 10:07
  It's
• 10:07
  an
• 10:07
  intentional
• 10:08
  decision
• 10:08
  to
• 10:08
  live
• 10:09
  in
• 10:09
  peace.
• 10:09
  And
• 10:10
  you
• 10:10
  can't
• 10:10
  control
• 10:10
  December,
• 10:11
  but
• 10:11
  you
• 10:12
  can
• 10:12
  control
• 10:12
  your
• 10:13
  pace
• 10:13
  of
• 10:13
  December
• 10:14
  because
• 10:14
  God's
• 10:15
  peace
• 10:15
  isn't
• 10:15
  seasonal.
• 10:16
  It's
• 10:16
  steady.
• 10:17
  He's
• 10:17
  rock
• 10:17
  solid
• 10:18
  with
• 10:18
  that.
• 10:18
  So
• 10:19
  prepare
• 10:19
  your
• 10:19
  heart
• 10:19
  now
• 10:20
  and
• 10:20
  walk
• 10:21
  into
• 10:21
  it
• 10:21
  this
• 10:22
  December.
• 10:23
  Go
• 10:23
  today
• 10:23
  and
• 10:23
  be
• 10:24
  that
• 10:24
  financially
• 10:24
  confident
• 10:25
  Christian
• 10:25
  that
• 10:25
  I
• 10:25
  know
• 10:26
  you
• 10:26
  can
• 10:26
  be.
• 10:26
  You
• 10:26
  have
• 10:27
  the
• 10:27
  strength.
• 10:27
  You
• 10:28
  can
• 10:28
  do
• 10:28
  this.
• 10:29
  Stay
• 10:29
  financially
• 10:30
  savvy.
• 10:30
  God
• 10:31
  bless
• 10:31
  you.
• 10:31
  And
• 10:31
  I
• 10:31
  hope
• 10:32
  you
• 10:32
  join
• 10:32
  me
• 10:32
  again
• 10:32
  tomorrow
• 10:33
  on
• 10:33
  the
• 10:33
  show.