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Feeling Stalled? Which New Money Skill Will Grow You Next Year? · Becoming Financially Confident

• 0:37
  I
• 0:37
  thought
• 0:38
  we'd
• 0:38
  start
• 0:38
  today's
• 0:38
  show
• 0:38
  with
• 0:38
  a
• 0:39
  question.
• 0:39
  Ralph,
• 0:40
  I
• 0:40
  want
• 0:40
  to
• 0:40
  grow
• 0:41
  next
• 0:41
  year.
• 0:41
  Which
• 0:42
  financial
• 0:42
  skill
• 0:43
  should
• 0:43
  I
• 0:43
  learn
• 0:44
  first?
• 0:45
  And
• 0:45
  I
• 0:45
  really
• 0:45
  like
• 0:46
  that
• 0:46
  question,
• 0:47
  and
• 0:48
  it
• 0:48
  really
• 0:48
  led
• 0:48
  me
• 0:48
  to
• 0:49
  this.
• 0:49
  Only
• 0:49
  about
• 0:50
  27%
• 0:50
  of
• 0:51
  US
• 0:51
  adults
• 0:51
  feel
• 0:51
  confident
• 0:52
  creating
• 0:53
  a
• 0:53
  solid
• 0:53
  investment
• 0:53
  plan
• 0:54
  to
• 0:54
  build
• 0:54
  wealth.
• 0:55
  Yes,
• 0:56
  Americans
• 0:56
  feel
• 0:57
  confident
• 0:57
  Checking
• 0:57
  their
• 0:57
  credit
• 0:58
  report.
• 0:58
  Studies
• 0:59
  found
• 0:59
  75%
• 1:00
  do.
• 1:00
  But
• 1:01
  only
• 1:01
  59%
• 1:02
  set
• 1:02
  up
• 1:02
  a
• 1:02
  budget.
• 1:03
  And
• 1:03
  only
• 1:04
  56%
• 1:05
  feel
• 1:05
  confident
• 1:05
  saving
• 1:06
  regularly,
• 1:07
  paying
• 1:07
  down
• 1:08
  debt
• 1:08
  57%.
• 1:10
  What
• 1:10
  is
• 1:10
  this
• 1:11
  telling
• 1:11
  us?
• 1:12
  You're
• 1:12
  not
• 1:12
  unmotivated,
• 1:13
  you're
• 1:14
  just
• 1:14
  unsure
• 1:14
  where
• 1:14
  to
• 1:15
  start.
• 1:16
  For
• 1:16
  so
• 1:16
  many
• 1:16
  of
• 1:16
  us,
• 1:17
  we
• 1:17
  want
• 1:17
  progress,
• 1:18
  but
• 1:18
  the
• 1:19
  options
• 1:19
  feel
• 1:19
  endless.
• 1:21
  And
• 1:22
  growth
• 1:22
  isn't
• 1:22
  luck.
• 1:23
  It's
• 1:23
  learned.
• 1:24
  See,
• 1:24
  I
• 1:24
  want
• 1:24
  you
• 1:24
  to
• 1:24
  hear
• 1:25
  this
• 1:25
  loud
• 1:25
  and
• 1:25
  clear
• 1:25
  right
• 1:25
  now.
• 1:26
  Growth
• 1:26
  doesn't
• 1:26
  just
• 1:27
  happen.
• 1:27
  You
• 1:28
  don't
• 1:28
  magically
• 1:28
  drift
• 1:29
  in
• 1:29
  the
• 1:29
  financial
• 1:29
  wisdom.
• 1:30
  You
• 1:30
  develop
• 1:31
  it.
• 1:32
  You
• 1:32
  got
• 1:32
  to
• 1:32
  choose
• 1:32
  one
• 1:33
  skill,
• 1:33
  go
• 1:33
  deep,
• 1:34
  and
• 1:34
  let
• 1:34
  it
• 1:34
  compound,
• 1:34
  because
• 1:35
  that's
• 1:35
  what
• 1:35
  practice
• 1:36
  multiplies.
• 1:37
  So
• 1:37
  on
• 1:37
  today's
• 1:38
  show,
• 1:38
  I
• 1:38
  want
• 1:38
  to
• 1:38
  build
• 1:38
  some
• 1:39
  skills
• 1:39
  to
• 1:39
  help
• 1:39
  you
• 1:40
  do
• 1:40
  just
• 1:40
  that
• 1:40
  as
• 1:41
  we
• 1:41
  approach
• 1:41
  the
• 1:41
  new
• 1:41
  year.
• 2:02
  Hello
• 2:03
  and
• 2:03
  welcome
• 2:03
  to
• 2:03
  the
• 2:03
  show.
• 2:04
  Thank
• 2:04
  you
• 2:04
  for
• 2:04
  joining
• 2:04
  me.
• 2:04
  My
• 2:05
  name
• 2:05
  is
• 2:05
  Ralph.
• 2:05
  You've
• 2:05
  reached
• 2:06
  a
• 2:06
  financially
• 2:06
  confident
• 2:07
  Christian.
• 2:07
  This
• 2:08
  is
• 2:08
  a
• 2:08
  daily
• 2:08
  show
• 2:08
  to
• 2:09
  help
• 2:09
  you
• 2:09
  break
• 2:09
  that
• 2:09
  cycle
• 2:10
  of
• 2:10
  financial
• 2:10
  shame
• 2:11
  and
• 2:11
  do
• 2:12
  it
• 2:12
  with
• 2:12
  confidence.
• 2:13
  My
• 2:13
  goal
• 2:13
  on
• 2:14
  the
• 2:14
  show
• 2:14
  is
• 2:14
  to
• 2:14
  teach
• 2:15
  you
• 2:15
  paths
• 2:16
  and
• 2:16
  skills
• 2:16
  to
• 2:16
  help
• 2:17
  you
• 2:17
  see
• 2:17
  fruit
• 2:18
  within
• 2:18
  90
• 2:19
  days.
• 2:19
  And
• 2:20
  I
• 2:20
  will
• 2:20
  tell
• 2:20
  you
• 2:20
  personally,
• 2:21
  my
• 2:21
  own
• 2:22
  breakthroughs
• 2:22
  didn't
• 2:23
  come
• 2:23
  from
• 2:23
  doing
• 2:23
  more.
• 2:24
  They
• 2:25
  came
• 2:25
  from
• 2:25
  focusing
• 2:26
  deeper,
• 2:26
  like
• 2:26
  a
• 2:26
  laser
• 2:27
  focus
• 2:27
  on
• 2:27
  this.
• 2:28
  And
• 2:28
  that's
• 2:29
  what
• 2:29
  I
• 2:29
  really
• 2:29
  want
• 2:29
  to
• 2:29
  cover
• 2:30
  today,
• 2:30
  One
• 2:30
  skill
• 2:30
  at
• 2:30
  a
• 2:31
  time.
• 2:31
  Because
• 2:32
  when
• 2:32
  you
• 2:32
  pick
• 2:32
  one
• 2:33
  skill
• 2:33
  at
• 2:33
  a
• 2:33
  time,
• 2:34
  that's
• 2:34
  how
• 2:34
  transformation
• 2:35
  compounds.
• 2:36
  That's
• 2:36
  how
• 2:36
  transformation
• 2:37
  happens.
• 2:38
  And
• 2:38
  we
• 2:39
  had
• 2:39
  a
• 2:39
  listener
• 2:39
  share
• 2:39
  that.
• 2:40
  She
• 2:40
  chose
• 2:40
  one
• 2:41
  focus
• 2:41
  for
• 2:42
  the
• 2:42
  first
• 2:42
  quarter
• 2:42
  of
• 2:43
  2026.
• 2:44
  And
• 2:45
  she
• 2:45
  said,
• 2:45
  ralph,
• 2:45
  I'm
• 2:45
  going
• 2:46
  to
• 2:46
  really
• 2:46
  work
• 2:46
  on
• 2:46
  this.
• 2:47
  And
• 2:47
  for
• 2:47
  her,
• 2:47
  it's
• 2:48
  budget
• 2:48
  mastery.
• 2:49
  She
• 2:49
  wants
• 2:49
  to
• 2:49
  really
• 2:49
  budget
• 2:50
  this.
• 2:50
  And
• 2:50
  she's
• 2:50
  already
• 2:51
  got
• 2:51
  it
• 2:51
  planned
• 2:51
  out.
• 2:51
  She's
• 2:51
  going
• 2:52
  to
• 2:52
  practice
• 2:52
  weekly
• 2:53
  so
• 2:53
  that
• 2:53
  she
• 2:53
  can
• 2:54
  forecast
• 2:54
  every
• 2:55
  single
• 2:55
  dollar
• 2:55
  by
• 2:56
  the
• 2:56
  time
• 2:56
  she
• 2:56
  gets
• 2:56
  to
• 2:56
  march.
• 2:57
  And
• 2:57
  her
• 2:57
  goal
• 2:57
  is
• 2:58
  to
• 2:58
  save
• 2:58
  $300
• 2:59
  a
• 2:59
  month
• 3:00
  because
• 3:00
  that's
• 3:01
  the
• 3:01
  vision
• 3:01
  she
• 3:01
  sees.
• 3:02
  She
• 3:02
  wants
• 3:02
  to
• 3:02
  get
• 3:02
  to
• 3:02
  March
• 3:02
  and
• 3:03
  say,
• 3:03
  I
• 3:03
  can
• 3:04
  see
• 3:04
  my
• 3:04
  money
• 3:04
  clearly
• 3:05
  now.
• 3:06
  But
• 3:06
  I
• 3:06
  love
• 3:06
  what
• 3:06
  she's
• 3:07
  proposing
• 3:07
  to
• 3:07
  do.
• 3:08
  One
• 3:09
  skill
• 3:09
  just
• 3:10
  for
• 3:10
  one
• 3:10
  quarter,
• 3:10
  just
• 3:11
  90
• 3:11
  days.
• 3:12
  And
• 3:12
  I
• 3:12
  can
• 3:13
  already
• 3:13
  see
• 3:13
  it's
• 3:13
  going
• 3:14
  to
• 3:14
  lead
• 3:14
  to
• 3:14
  massive
• 3:14
  peace.
• 3:16
  So
• 3:16
  let's
• 3:16
  get
• 3:16
  back
• 3:16
  to
• 3:16
  our
• 3:16
  main
• 3:17
  question
• 3:17
  for
• 3:17
  today.
• 3:18
  What
• 3:18
  would
• 3:18
  happen
• 3:19
  if
• 3:19
  you
• 3:19
  picked
• 3:19
  just
• 3:20
  one
• 3:20
  financial
• 3:20
  skill
• 3:21
  to
• 3:21
  Master
• 3:21
  next
• 3:21
  year.
• 3:22
  But
• 3:23
  bigger
• 3:23
  than
• 3:23
  that,
• 3:24
  what
• 3:24
  if
• 3:24
  you
• 3:24
  actually
• 3:25
  finished
• 3:25
  it?
• 3:26
  So
• 3:26
  let's
• 3:27
  talk
• 3:27
  about
• 3:27
  why
• 3:27
  this
• 3:27
  is
• 3:27
  so
• 3:28
  important.
• 3:28
  Number
• 3:28
  one
• 3:29
  thing,
• 3:29
  it's
• 3:30
  important
• 3:30
  to
• 3:30
  pick
• 3:30
  one
• 3:31
  skill
• 3:32
  because
• 3:32
  there's
• 3:33
  clarity.
• 3:34
  Beats
• 3:34
  dabbling.
• 3:35
  If
• 3:35
  you
• 3:35
  kind
• 3:35
  of
• 3:35
  try
• 3:35
  to
• 3:35
  do
• 3:35
  everything,
• 3:36
  if
• 3:36
  you
• 3:36
  try
• 3:36
  to
• 3:36
  chase
• 3:37
  five
• 3:37
  things
• 3:38
  halfway,
• 3:38
  guess
• 3:38
  what
• 3:39
  happens.
• 3:40
  You're
• 3:40
  not
• 3:40
  going
• 3:40
  to
• 3:40
  do
• 3:41
  it,
• 3:41
  but
• 3:41
  you
• 3:41
  can
• 3:42
  master
• 3:42
  one
• 3:42
  fully.
• 3:43
  I
• 3:43
  always
• 3:43
  liken
• 3:43
  this
• 3:43
  to
• 3:44
  people
• 3:44
  who
• 3:44
  try
• 3:44
  to
• 3:44
  do
• 3:44
  too
• 3:45
  many
• 3:45
  things
• 3:45
  at
• 3:45
  once.
• 3:47
  If
• 3:47
  you're
• 3:47
  trying
• 3:47
  to
• 3:48
  do
• 3:48
  too
• 3:48
  many
• 3:48
  things,
• 3:48
  you're
• 3:49
  not
• 3:49
  going
• 3:49
  to
• 3:49
  master
• 3:50
  that
• 3:50
  one
• 3:50
  thing.
• 3:51
  So
• 3:51
  right
• 3:52
  now
• 3:52
  ask
• 3:52
  yourself,
• 3:53
  which
• 3:53
  skill
• 3:53
  would
• 3:54
  change
• 3:54
  my
• 3:54
  stress
• 3:54
  the
• 3:55
  fastest?
• 3:55
  What
• 3:55
  would
• 3:55
  be
• 3:56
  the
• 3:56
  best
• 3:56
  bang
• 3:57
  for
• 3:57
  the
• 3:57
  buck,
• 3:57
  as
• 3:57
  they
• 3:57
  say?
• 3:59
  Is
• 3:59
  it
• 3:59
  budgeting
• 4:00
  for
• 4:00
  you?
• 4:01
  Is
• 4:01
  it
• 4:01
  understanding
• 4:02
  basic
• 4:02
  investing?
• 4:04
  How
• 4:04
  about
• 4:04
  tax
• 4:04
  planning?
• 4:05
  Great
• 4:05
  time
• 4:05
  to
• 4:05
  talk
• 4:05
  about
• 4:05
  tax
• 4:06
  planning
• 4:06
  because
• 4:06
  guess
• 4:06
  what?
• 4:07
  Tax
• 4:07
  time
• 4:07
  is
• 4:07
  not
• 4:07
  too
• 4:07
  far
• 4:08
  away.
• 4:09
  Or
• 4:09
  maybe
• 4:09
  for
• 4:09
  you,
• 4:10
  you
• 4:10
  really
• 4:10
  need
• 4:10
  to
• 4:10
  bring
• 4:11
  some
• 4:11
  money.
• 4:11
  And
• 4:11
  maybe
• 4:11
  it's
• 4:11
  that
• 4:12
  side
• 4:12
  hustle
• 4:13
  setup.
• 4:14
  Just
• 4:14
  pick
• 4:15
  your
• 4:15
  lane,
• 4:15
  pick
• 4:15
  that
• 4:16
  one
• 4:16
  thing
• 4:16
  and
• 4:17
  just
• 4:17
  focus
• 4:17
  on
• 4:18
  it
• 4:19
  because
• 4:19
  depth
• 4:20
  in
• 4:20
  that
• 4:20
  one
• 4:20
  thing
• 4:21
  will
• 4:21
  produce
• 4:21
  huge
• 4:22
  dividends.
• 4:24
  Second
• 4:25
  step,
• 4:26
  once
• 4:26
  you
• 4:26
  pick
• 4:26
  that
• 4:26
  one
• 4:27
  thing,
• 4:27
  create
• 4:28
  a
• 4:28
  90
• 4:28
  day
• 4:29
  plan.
• 4:30
  Because
• 4:30
  you
• 4:30
  don't
• 4:31
  want
• 4:31
  to
• 4:31
  say,
• 4:31
  well,
• 4:31
  all
• 4:32
  next
• 4:32
  year
• 4:32
  I'm
• 4:32
  going
• 4:32
  to
• 4:32
  focus
• 4:33
  on
• 4:33
  this
• 4:33
  one
• 4:33
  thing
• 4:33
  because
• 4:34
  guess
• 4:34
  what's
• 4:34
  going
• 4:34
  to
• 4:34
  happen?
• 4:34
  You're
• 4:35
  going
• 4:35
  to
• 4:35
  lose
• 4:35
  your
• 4:35
  motivation.
• 4:36
  I
• 4:37
  truly
• 4:37
  believe
• 4:37
  that
• 4:37
  short
• 4:38
  cycles
• 4:38
  create
• 4:39
  quick
• 4:39
  wins.
• 4:40
  Don't
• 4:40
  think
• 4:40
  year
• 4:41
  long.
• 4:41
  Think
• 4:41
  this
• 4:42
  is
• 4:42
  my
• 4:42
  first
• 4:42
  quarter
• 4:43
  mission.
• 4:43
  This
• 4:43
  is
• 4:43
  my
• 4:44
  January,
• 4:44
  February,
• 4:45
  March
• 4:45
  mission.
• 4:47
  It's
• 4:47
  more
• 4:47
  manageable
• 4:48
  when
• 4:48
  you
• 4:48
  do
• 4:48
  that.
• 4:48
  Maybe
• 4:48
  you
• 4:49
  choose
• 4:49
  a
• 4:49
  course,
• 4:50
  some
• 4:50
  online
• 4:51
  course,
• 4:51
  maybe
• 4:51
  you
• 4:52
  pick
• 4:52
  a
• 4:52
  book,
• 4:52
  or
• 4:53
  maybe
• 4:53
  you
• 4:53
  actually
• 4:53
  find
• 4:53
  a
• 4:54
  mentor
• 4:54
  and
• 4:54
  just
• 4:55
  commit
• 4:55
  to
• 4:55
  90
• 4:55
  days
• 4:56
  every
• 4:56
  week.
• 4:57
  I'm
• 4:57
  going
• 4:57
  to
• 4:57
  work
• 4:57
  on
• 4:58
  this
• 4:58
  particular
• 4:59
  financial
• 4:59
  skill.
• 5:00
  Because
• 5:01
  what
• 5:01
  you're
• 5:01
  going
• 5:01
  to
• 5:01
  find
• 5:01
  is
• 5:01
  you're
• 5:02
  going
• 5:02
  to
• 5:02
  get
• 5:02
  some
• 5:02
  quick
• 5:02
  wins.
• 5:03
  When
• 5:03
  you
• 5:03
  get
• 5:03
  those
• 5:03
  quick
• 5:03
  wins,
• 5:04
  it
• 5:04
  fuels
• 5:05
  that
• 5:05
  long
• 5:05
  term
• 5:05
  faith.
• 5:06
  It
• 5:06
  fuels
• 5:06
  that
• 5:07
  long
• 5:07
  term
• 5:07
  growth.
• 5:09
  You
• 5:09
  don't
• 5:09
  need
• 5:09
  endless
• 5:10
  time,
• 5:11
  you
• 5:11
  just
• 5:11
  need
• 5:11
  focused
• 5:12
  seasons.
• 5:13
  And
• 5:14
  what
• 5:14
  that
• 5:14
  means
• 5:14
  is
• 5:14
  you're
• 5:14
  going
• 5:15
  to
• 5:15
  have
• 5:15
  to
• 5:15
  practice
• 5:15
  weekly
• 5:16
  because
• 5:16
  those
• 5:17
  reps
• 5:17
  build
• 5:17
  results.
• 5:18
  I
• 5:18
  was
• 5:18
  in
• 5:18
  the
• 5:18
  gym
• 5:18
  this
• 5:19
  morning,
• 5:19
  I
• 5:20
  get
• 5:20
  to
• 5:20
  the
• 5:20
  gym
• 5:20
  three
• 5:21
  days
• 5:21
  a
• 5:21
  week
• 5:21
  to
• 5:21
  do
• 5:21
  weight
• 5:22
  training.
• 5:22
  Trainer
• 5:23
  said,
• 5:23
  don't
• 5:23
  do
• 5:23
  it
• 5:23
  every
• 5:23
  day.
• 5:23
  I
• 5:24
  want
• 5:24
  to
• 5:24
  do
• 5:24
  it
• 5:24
  every
• 5:24
  day.
• 5:24
  Because
• 5:24
  I
• 5:25
  was
• 5:25
  like,
• 5:25
  I
• 5:25
  get
• 5:25
  bigger
• 5:25
  results
• 5:25
  that
• 5:26
  way.
• 5:26
  But
• 5:26
  no,
• 5:26
  he
• 5:26
  said,
• 5:26
  you
• 5:26
  can't
• 5:27
  do
• 5:27
  that.
• 5:28
  But
• 5:28
  what
• 5:28
  he
• 5:28
  did
• 5:28
  tell
• 5:28
  me
• 5:29
  is
• 5:29
  he
• 5:29
  said,
• 5:29
  ralph,
• 5:29
  those
• 5:30
  repetitions,
• 5:30
  don't
• 5:31
  we
• 5:31
  call
• 5:31
  reps.
• 5:32
  They
• 5:33
  build
• 5:33
  results.
• 5:35
  See,
• 5:35
  a
• 5:35
  lot
• 5:36
  of
• 5:36
  people
• 5:36
  think
• 5:36
  that
• 5:36
  learning
• 5:37
  is
• 5:37
  just
• 5:37
  listening
• 5:38
  to
• 5:38
  something.
• 5:39
  You
• 5:39
  can
• 5:39
  listen
• 5:39
  to
• 5:39
  all
• 5:40
  the
• 5:40
  podcasts
• 5:40
  you
• 5:40
  can
• 5:41
  listen
• 5:41
  to
• 5:41
  all
• 5:41
  the
• 5:41
  gurus
• 5:42
  online
• 5:42
  telling
• 5:43
  you
• 5:43
  how
• 5:43
  to
• 5:43
  save
• 5:43
  money,
• 5:43
  how
• 5:44
  to
• 5:44
  budget,
• 5:44
  how
• 5:45
  to
• 5:45
  pay
• 5:45
  down
• 5:45
  debt.
• 5:46
  All
• 5:47
  that
• 5:47
  listening
• 5:47
  isn't
• 5:47
  going
• 5:48
  to
• 5:48
  get
• 5:48
  you
• 5:48
  anywhere.
• 5:49
  It's
• 5:49
  actually
• 5:50
  doing
• 5:50
  it.
• 5:51
  It's
• 5:51
  when
• 5:51
  you
• 5:51
  use
• 5:52
  real
• 5:52
  numbers,
• 5:53
  when
• 5:53
  you
• 5:53
  use
• 5:53
  real
• 5:53
  accounts.
• 5:54
  Hey,
• 5:54
  when
• 5:54
  you
• 5:54
  use
• 5:55
  your
• 5:55
  real
• 5:55
  life.
• 5:57
  Because
• 5:57
  faith
• 5:58
  grows
• 5:58
  stronger
• 5:59
  when
• 5:59
  it's
• 5:59
  practiced
• 5:59
  in
• 6:00
  motion.
• 6:01
  Because
• 6:01
  when
• 6:01
  you
• 6:02
  can
• 6:02
  feel
• 6:02
  that
• 6:03
  progress,
• 6:03
  when
• 6:03
  you
• 6:03
  can
• 6:04
  touch,
• 6:05
  creates
• 6:06
  confidence
• 6:06
  that
• 6:06
  you
• 6:07
  can
• 6:07
  trust.
• 6:08
  And
• 6:08
  one
• 6:09
  big
• 6:09
  takeaway
• 6:09
  for
• 6:09
  today.
• 6:10
  And
• 6:11
  remember,
• 6:11
  learning
• 6:11
  this
• 6:12
  in
• 6:12
  college,
• 6:13
  share
• 6:13
  what
• 6:13
  you
• 6:14
  learn.
• 6:14
  Because
• 6:14
  when
• 6:14
  you
• 6:15
  teach
• 6:15
  somebody
• 6:15
  else,
• 6:16
  it's
• 6:17
  a
• 6:17
  great
• 6:17
  way
• 6:17
  to
• 6:18
  master
• 6:18
  that
• 6:18
  skill
• 6:18
  yourself.
• 6:19
  I
• 6:19
  remember
• 6:19
  in
• 6:19
  college
• 6:20
  we
• 6:20
  would
• 6:20
  have
• 6:20
  study
• 6:21
  groups,
• 6:21
  and
• 6:21
  each
• 6:21
  of
• 6:21
  us
• 6:21
  would
• 6:22
  pick
• 6:22
  a
• 6:22
  particular
• 6:22
  topic.
• 6:23
  Maybe
• 6:23
  there
• 6:23
  was
• 6:23
  an
• 6:23
  exam
• 6:24
  coming
• 6:24
  up,
• 6:24
  and
• 6:25
  this
• 6:25
  person
• 6:25
  would
• 6:25
  study
• 6:26
  this
• 6:26
  part,
• 6:26
  and
• 6:26
  this
• 6:26
  person
• 6:27
  would
• 6:27
  study
• 6:27
  that
• 6:27
  part.
• 6:27
  Well,
• 6:28
  then
• 6:28
  when
• 6:28
  they
• 6:28
  came
• 6:28
  back
• 6:28
  to
• 6:28
  the
• 6:29
  group,
• 6:29
  it
• 6:29
  was
• 6:30
  a
• 6:30
  way
• 6:30
  to
• 6:30
  master
• 6:30
  it.
• 6:30
  So
• 6:31
  tell
• 6:31
  your
• 6:31
  spouse
• 6:31
  about
• 6:31
  your
• 6:32
  goals,
• 6:32
  tell
• 6:32
  your
• 6:33
  kids,
• 6:33
  tell
• 6:33
  a
• 6:33
  friend,
• 6:34
  tell
• 6:34
  them
• 6:34
  what
• 6:34
  you're
• 6:35
  learning.
• 6:36
  Because
• 6:36
  when
• 6:36
  you
• 6:36
  can.
• 6:37
  When
• 6:37
  you
• 6:37
  can
• 6:37
  verbalize
• 6:38
  that,
• 6:38
  when
• 6:38
  you
• 6:39
  share
• 6:39
  those
• 6:39
  things,
• 6:40
  it
• 6:40
  solidifies
• 6:41
  that
• 6:41
  understanding.
• 6:43
  Because
• 6:43
  the
• 6:43
  one
• 6:43
  thing
• 6:43
  I've
• 6:44
  learned,
• 6:44
  the
• 6:44
  best
• 6:44
  teachers
• 6:45
  are
• 6:45
  the
• 6:45
  best
• 6:45
  students.
• 6:47
  And
• 6:48
  what
• 6:48
  you
• 6:48
  give
• 6:48
  away
• 6:49
  grows
• 6:49
  in
• 6:50
  you.
• 6:51
  Well,
• 6:51
  let's
• 6:51
  get
• 6:51
  to
• 6:52
  our
• 6:52
  Bible
• 6:52
  verse
• 6:52
  today.
• 6:52
  It
• 6:52
  comes
• 6:53
  to
• 6:53
  us
• 6:53
  from
• 6:53
  the
• 6:53
  book
• 6:53
  of
• 6:53
  Proverbs,
• 6:54
  chapter
• 6:54
  18,
• 6:55
  verse
• 6:55
  15.
• 6:56
  It
• 6:56
  says,
• 6:57
  the
• 6:57
  heart
• 6:57
  of
• 6:57
  the
• 6:57
  discerning
• 6:58
  acquires
• 6:58
  knowledge.
• 6:59
  The
• 6:59
  ears
• 7:00
  of
• 7:00
  the
• 7:00
  wise
• 7:00
  seek
• 7:01
  it
• 7:01
  out.
• 7:02
  Now,
• 7:02
  be
• 7:02
  real
• 7:03
  easy
• 7:03
  to
• 7:03
  say,
• 7:03
  well,
• 7:03
  that's
• 7:03
  all
• 7:04
  about
• 7:04
  intelligence,
• 7:04
  Ralph.
• 7:05
  I'm
• 7:05
  not
• 7:05
  the
• 7:05
  brightest
• 7:06
  guy.
• 7:06
  I'm
• 7:06
  not
• 7:06
  the
• 7:06
  smartest
• 7:07
  person
• 7:07
  in
• 7:07
  the
• 7:07
  world.
• 7:08
  It's
• 7:08
  not
• 7:09
  what
• 7:09
  it's
• 7:09
  saying
• 7:09
  at
• 7:09
  all.
• 7:10
  It's
• 7:10
  all
• 7:11
  about
• 7:11
  your
• 7:11
  heart.
• 7:12
  It's
• 7:12
  all
• 7:13
  about
• 7:13
  that
• 7:13
  intentionality.
• 7:14
  See,
• 7:15
  I
• 7:15
  truly
• 7:15
  believe
• 7:15
  this.
• 7:16
  In
• 7:16
  life,
• 7:17
  the
• 7:17
  smartest
• 7:17
  people
• 7:18
  aren't
• 7:18
  always
• 7:18
  the
• 7:19
  best
• 7:19
  achievers.
• 7:19
  It's
• 7:20
  the
• 7:20
  people
• 7:20
  with
• 7:20
  the
• 7:20
  biggest
• 7:21
  heart.
• 7:22
  And
• 7:22
  that's
• 7:22
  what
• 7:22
  the
• 7:22
  verse
• 7:23
  is
• 7:23
  telling
• 7:23
  us
• 7:23
  today.
• 7:24
  Be
• 7:24
  wise,
• 7:26
  the
• 7:27
  wise
• 7:27
  seek.
• 7:27
  They
• 7:28
  don't
• 7:28
  just
• 7:28
  wait.
• 7:29
  How
• 7:29
  about
• 7:29
  we
• 7:29
  pray
• 7:30
  together
• 7:30
  right
• 7:30
  now,
• 7:31
  Lord,
• 7:31
  we
• 7:32
  come
• 7:32
  to
• 7:32
  you
• 7:32
  right
• 7:32
  now.
• 7:32
  We
• 7:33
  want
• 7:33
  to
• 7:33
  be
• 7:33
  wise.
• 7:34
  We
• 7:34
  want
• 7:35
  to
• 7:35
  fill
• 7:35
  our
• 7:35
  hearts
• 7:35
  with
• 7:36
  discernment.
• 7:37
  So
• 7:37
  guide
• 7:37
  us
• 7:38
  in
• 7:38
  finding
• 7:38
  that
• 7:38
  one
• 7:39
  skill
• 7:39
  that
• 7:39
  will
• 7:39
  stretch
• 7:40
  and
• 7:40
  strengthen
• 7:40
  me
• 7:41
  as
• 7:41
  the
• 7:41
  new
• 7:41
  year
• 7:42
  approaches.
• 7:42
  Lord,
• 7:43
  give
• 7:43
  me
• 7:44
  discipline
• 7:44
  to
• 7:44
  stay
• 7:44
  the
• 7:45
  course
• 7:45
  and
• 7:45
  just
• 7:45
  stay
• 7:45
  in
• 7:45
  that
• 7:46
  lane
• 7:46
  and
• 7:46
  just
• 7:46
  focus
• 7:46
  on
• 7:47
  that
• 7:47
  one
• 7:47
  thing.
• 7:48
  Teach
• 7:49
  me
• 7:49
  the
• 7:49
  value
• 7:49
  of
• 7:50
  learning
• 7:50
  as
• 7:50
  worship.
• 7:50
  Because,
• 7:51
  yes,
• 7:51
  Lord,
• 7:51
  it's
• 7:51
  worship.
• 7:52
  Teach
• 7:52
  me
• 7:53
  to
• 7:53
  see
• 7:53
  that
• 7:53
  as
• 7:53
  worship.
• 7:55
  And
• 7:55
  at
• 7:55
  the
• 7:56
  same
• 7:56
  time,
• 7:56
  Lord,
• 7:56
  keep
• 7:57
  my
• 7:57
  heart
• 7:57
  humble
• 7:57
  and
• 7:57
  hungry
• 7:58
  for
• 7:58
  growth.
• 8:00
  I
• 8:00
  ask
• 8:00
  this
• 8:00
  in
• 8:00
  the
• 8:00
  name
• 8:01
  of
• 8:01
  Jesus.
• 8:02
  Amen.
• 8:03
  Okay,
• 8:03
  here's
• 8:03
  your
• 8:04
  one
• 8:04
  action
• 8:04
  item
• 8:04
  for
• 8:05
  today.
• 8:05
  I
• 8:05
  want
• 8:06
  you
• 8:06
  to
• 8:06
  just
• 8:06
  write
• 8:06
  one
• 8:07
  financial
• 8:07
  skill
• 8:08
  that
• 8:08
  you're
• 8:08
  going
• 8:08
  to
• 8:08
  master
• 8:09
  in
• 8:09
  2026.
• 8:10
  Once
• 8:10
  you
• 8:11
  figure
• 8:11
  what
• 8:11
  that
• 8:11
  is,
• 8:12
  write
• 8:12
  three
• 8:12
  resources
• 8:13
  of
• 8:13
  how
• 8:13
  you're
• 8:13
  going
• 8:13
  to
• 8:13
  get
• 8:13
  there.
• 8:14
  Maybe
• 8:14
  it's
• 8:14
  a
• 8:14
  course,
• 8:15
  maybe
• 8:15
  it's
• 8:15
  a
• 8:15
  book,
• 8:15
  maybe
• 8:16
  it's
• 8:16
  a
• 8:16
  mentor.
• 8:17
  And
• 8:17
  then
• 8:18
  set
• 8:18
  a
• 8:18
  start
• 8:18
  date
• 8:18
  in
• 8:19
  January.
• 8:20
  This
• 8:20
  is
• 8:20
  when
• 8:20
  I'm
• 8:20
  going
• 8:21
  to
• 8:21
  start
• 8:21
  this.
• 8:21
  Put
• 8:21
  it
• 8:21
  on
• 8:21
  the
• 8:22
  calendar
• 8:22
  and
• 8:22
  then
• 8:22
  give
• 8:23
  yourself
• 8:23
  accountability
• 8:24
  90
• 8:24
  days
• 8:24
  later.
• 8:25
  Write
• 8:25
  it
• 8:25
  down,
• 8:26
  pray
• 8:27
  about
• 8:27
  it.
• 8:27
  Ask
• 8:27
  God
• 8:27
  for
• 8:28
  wisdom
• 8:28
  into
• 8:28
  that.
• 8:29
  Surround
• 8:29
  yourself
• 8:30
  with
• 8:30
  resources
• 8:31
  and
• 8:31
  people
• 8:31
  that
• 8:31
  can
• 8:31
  help
• 8:31
  you
• 8:32
  and
• 8:33
  then
• 8:33
  commit
• 8:33
  to
• 8:33
  it.
• 8:34
  Set
• 8:35
  your
• 8:35
  goal
• 8:35
  on
• 8:35
  that,
• 8:35
  put
• 8:36
  your
• 8:36
  heart
• 8:36
  on
• 8:36
  that.
• 8:37
  Because
• 8:37
  when
• 8:37
  you
• 8:37
  do
• 8:37
  that,
• 8:38
  guess
• 8:38
  what?
• 8:39
  You
• 8:39
  will
• 8:39
  find
• 8:40
  success
• 8:40
  in
• 8:40
  that.
• 8:41
  And
• 8:41
  while
• 8:41
  I'm
• 8:41
  talking
• 8:42
  about
• 8:42
  finding
• 8:42
  success,
• 8:42
  I
• 8:43
  would
• 8:43
  love
• 8:43
  for
• 8:43
  you
• 8:43
  to
• 8:43
  come
• 8:43
  and
• 8:44
  join
• 8:44
  our
• 8:44
  financially
• 8:45
  confident
• 8:45
  Christian
• 8:46
  community.
• 8:46
  This
• 8:47
  is
• 8:47
  a
• 8:47
  great
• 8:47
  place
• 8:47
  to
• 8:48
  come
• 8:48
  and
• 8:48
  join
• 8:48
  other
• 8:49
  believers
• 8:49
  who
• 8:50
  are
• 8:50
  working
• 8:50
  just
• 8:50
  like
• 8:50
  you.
• 8:50
  It'll
• 8:51
  be
• 8:51
  a
• 8:51
  great
• 8:51
  place
• 8:51
  to
• 8:52
  share
• 8:52
  what
• 8:52
  you
• 8:52
  plan
• 8:52
  to
• 8:52
  focus
• 8:53
  on
• 8:53
  in
• 8:53
  2026.
• 8:54
  You
• 8:54
  can
• 8:55
  get
• 8:55
  to
• 8:55
  that
• 8:55
  real
• 8:55
  simple
• 8:56
  by
• 8:56
  going
• 8:56
  to
• 8:56
  financiallyconfidentchristian.com/join
• 9:00
  now.
• 9:00
  There's
• 9:01
  not
• 9:01
  a
• 9:01
  lot
• 9:01
  of
• 9:01
  people
• 9:01
  that
• 9:01
  have
• 9:01
  signed
• 9:02
  up
• 9:02
  yet
• 9:02
  because
• 9:02
  we
• 9:02
  just
• 9:03
  launched
• 9:03
  this
• 9:03
  a
• 9:03
  couple
• 9:03
  weeks
• 9:04
  ago,
• 9:04
  but
• 9:04
  you
• 9:04
  can
• 9:05
  be
• 9:05
  one
• 9:05
  of
• 9:05
  the
• 9:05
  trailblazers.
• 9:06
  It
• 9:06
  doesn't
• 9:06
  cost
• 9:07
  you
• 9:07
  a
• 9:07
  dime.
• 9:07
  You
• 9:08
  can
• 9:08
  buy
• 9:08
  a
• 9:09
  higher
• 9:09
  level
• 9:09
  if
• 9:09
  you
• 9:09
  want
• 9:09
  to
• 9:10
  support
• 9:10
  the
• 9:10
  show.
• 9:11
  But
• 9:11
  we're
• 9:11
  going
• 9:11
  to
• 9:11
  fill
• 9:11
  that
• 9:12
  with
• 9:12
  prayer,
• 9:12
  we're
• 9:12
  going
• 9:12
  to
• 9:12
  fill
• 9:13
  that
• 9:13
  with
• 9:13
  coaching
• 9:13
  and
• 9:14
  really
• 9:14
  help
• 9:14
  you
• 9:14
  through
• 9:14
  your
• 9:14
  90
• 9:15
  day
• 9:15
  journey.
• 9:15
  One
• 9:15
  of
• 9:15
  the
• 9:15
  things
• 9:16
  that
• 9:16
  I
• 9:16
  envision
• 9:16
  is
• 9:17
  everybody
• 9:17
  coming
• 9:17
  together
• 9:18
  and
• 9:18
  sharing
• 9:19
  what's
• 9:19
  going
• 9:19
  on
• 9:19
  in
• 9:19
  their
• 9:19
  journey
• 9:20
  because
• 9:21
  that's
• 9:21
  a
• 9:21
  place
• 9:21
  where
• 9:21
  we're
• 9:21
  not
• 9:21
  just
• 9:22
  going
• 9:22
  to
• 9:22
  talk
• 9:22
  about
• 9:22
  money.
• 9:23
  We're
• 9:23
  going
• 9:23
  to
• 9:23
  learn
• 9:23
  how
• 9:23
  to
• 9:24
  manage
• 9:24
  it
• 9:24
  and
• 9:24
  we're
• 9:25
  going
• 9:25
  to
• 9:25
  learn
• 9:25
  how
• 9:25
  to
• 9:25
  manage
• 9:25
  it.
• 9:26
  God
• 9:26
  way
• 9:26
  so
• 9:26
  much
• 9:26
  different
• 9:27
  than
• 9:27
  the
• 9:27
  secular
• 9:28
  world.
• 9:28
  So
• 9:28
  again,
• 9:28
  I
• 9:29
  would
• 9:29
  encourage
• 9:29
  you
• 9:29
  to
• 9:29
  go
• 9:29
  to
• 9:29
  financiallyconfidentchristian.com/join.
• 9:34
  So
• 9:34
  do
• 9:34
  that
• 9:34
  today.
• 9:35
  And
• 9:35
  as
• 9:36
  I
• 9:36
  close
• 9:36
  today,
• 9:38
  set
• 9:38
  that
• 9:38
  focus
• 9:38
  first.
• 9:39
  You
• 9:39
  can
• 9:39
  build
• 9:39
  the
• 9:39
  breadth
• 9:40
  of
• 9:40
  that
• 9:40
  knowledge
• 9:40
  later.
• 9:41
  Because
• 9:42
  skills
• 9:42
  today
• 9:42
  become
• 9:43
  freedom
• 9:43
  tomorrow.
• 9:43
  You
• 9:44
  want
• 9:44
  freedom
• 9:44
  tomorrow.
• 9:45
  Build
• 9:45
  those
• 9:45
  skills
• 9:46
  today.
• 9:47
  Set
• 9:47
  a
• 9:47
  goal
• 9:47
  for
• 9:48
  that.
• 9:48
  Learn
• 9:48
  it,
• 9:49
  live
• 9:49
  it,
• 9:49
  and
• 9:49
  then
• 9:50
  best
• 9:50
  of
• 9:50
  all,
• 9:50
  share
• 9:51
  it.
• 9:51
  Go
• 9:51
  out
• 9:51
  there
• 9:52
  today
• 9:52
  and
• 9:52
  be
• 9:52
  a
• 9:53
  financially
• 9:53
  confident
• 9:54
  Christian.
• 9:54
  I
• 9:54
  encourage
• 9:55
  you
• 9:55
  stay
• 9:55
  financially
• 9:56
  savvy
• 9:56
  because
• 9:56
  listen,
• 9:56
  you
• 9:57
  can
• 9:57
  do
• 9:57
  this.
• 9:58
  I've
• 9:58
  got
• 9:58
  confidence
• 9:59
  in
• 9:59
  you.
• 9:59
  Bigger
• 10:00
  than
• 10:00
  that.
• 10:00
  The
• 10:01
  Lord
• 10:01
  is
• 10:01
  going
• 10:01
  to
• 10:01
  help
• 10:01
  you
• 10:02
  in
• 10:02
  your
• 10:02
  journey.
• 10:02
  God
• 10:03
  bless
• 10:03
  you
• 10:03
  and
• 10:03
  I
• 10:03
  hope
• 10:04
  to
• 10:04
  see
• 10:04
  you
• 10:04
  again
• 10:04
  next
• 10:04
  show.