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Are Your Holiday Traditions Creating Stress or Joy? · Becoming Financially Confident

• 0:37
  Ralph,
• 0:37
  it
• 0:38
  feels
• 0:38
  like
• 0:38
  every
• 0:38
  Christmas
• 0:39
  gets
• 0:39
  busier
• 0:39
  and
• 0:40
  more
• 0:40
  expensive.
• 0:41
  How
• 0:41
  can
• 0:41
  I
• 0:41
  slow
• 0:41
  down
• 0:42
  and
• 0:42
  bring
• 0:42
  my
• 0:42
  family
• 0:42
  back
• 0:43
  to
• 0:43
  simple,
• 0:43
  meaningful
• 0:44
  traditions?
• 0:46
  Great
• 0:46
  question.
• 0:47
  Nearly
• 0:48
  6
• 0:48
  in
• 0:48
  10Americans
• 0:49
  feel
• 0:49
  the
• 0:49
  holidays
• 0:49
  have
• 0:50
  become
• 0:50
  too
• 0:50
  busy
• 0:50
  and
• 0:51
  overwhelming.
• 0:52
  Many
• 0:52
  say
• 0:52
  they
• 0:52
  struggle
• 0:53
  to
• 0:53
  find
• 0:53
  time
• 0:53
  to
• 0:53
  rest
• 0:54
  and
• 0:54
  connect
• 0:54
  with
• 0:55
  family.
• 0:55
  Hey,
• 0:55
  this
• 0:55
  is
• 0:55
  supposed
• 0:55
  to
• 0:56
  be
• 0:56
  a
• 0:56
  joyous
• 0:56
  season.
• 0:57
  81%
• 0:58
  of
• 0:58
  adults
• 0:58
  say
• 0:59
  they're
• 0:59
  more
• 0:59
  stressed
• 0:59
  during
• 1:00
  the
• 1:00
  holiday
• 1:00
  season.
• 1:01
  And
• 1:01
  30%
• 1:02
  listen
• 1:02
  to
• 1:02
  this
• 1:02
  one
• 1:03
  say
• 1:03
  their
• 1:03
  sleep
• 1:04
  suffers.
• 1:04
  They
• 1:04
  get
• 1:05
  fewer
• 1:05
  hours
• 1:05
  and
• 1:06
  poor
• 1:06
  quality.
• 1:06
  Let
• 1:07
  me
• 1:07
  tell
• 1:07
  you
• 1:07
  right
• 1:07
  now,
• 1:07
  we
• 1:07
  all
• 1:07
  need
• 1:08
  to
• 1:08
  get
• 1:08
  our
• 1:08
  sleep.
• 1:09
  And
• 1:09
  46%
• 1:10
  of
• 1:10
  Americans
• 1:11
  say
• 1:11
  they
• 1:11
  don't
• 1:11
  get
• 1:11
  the
• 1:12
  alone
• 1:12
  time
• 1:12
  they
• 1:12
  need
• 1:13
  during
• 1:13
  the
• 1:13
  holidays.
• 1:14
  Even
• 1:14
  though,
• 1:14
  listen
• 1:15
  to
• 1:15
  this.
• 1:15
  56%
• 1:17
  say
• 1:17
  such
• 1:18
  time
• 1:18
  is
• 1:18
  important
• 1:18
  for
• 1:19
  their
• 1:19
  mental
• 1:19
  health.
• 1:20
  Now
• 1:21
  this
• 1:21
  one
• 1:21
  I'm
• 1:21
  not
• 1:21
  sure
• 1:21
  I
• 1:21
  agree
• 1:22
  with.
• 1:22
  But
• 1:22
  Abby,
• 1:23
  my
• 1:23
  producer
• 1:23
  found
• 1:23
  this
• 1:24
  one
• 1:24
  and
• 1:24
  it
• 1:25
  found
• 1:25
  that
• 1:25
  63%
• 1:26
  of
• 1:26
  respondents
• 1:26
  say
• 1:27
  that
• 1:27
  holiday
• 1:27
  season
• 1:28
  is
• 1:28
  more
• 1:28
  stressful
• 1:29
  than
• 1:29
  tax
• 1:29
  season.
• 1:30
  Now
• 1:30
  listen,
• 1:30
  I'm
• 1:30
  a
• 1:30
  tax
• 1:31
  guy.
• 1:31
  I'm
• 1:31
  not
• 1:31
  sure
• 1:31
  that
• 1:31
  that's
• 1:32
  true,
• 1:32
  but
• 1:32
  maybe
• 1:33
  it
• 1:33
  is.
• 1:33
  Which
• 1:34
  just
• 1:34
  tells
• 1:34
  us
• 1:34
  how
• 1:35
  overwhelming
• 1:35
  this
• 1:36
  time
• 1:36
  of
• 1:36
  year
• 1:36
  can
• 1:36
  feel.
• 1:37
  So
• 1:38
  let
• 1:38
  me
• 1:38
  tell
• 1:38
  you
• 1:38
  this.
• 1:39
  The
• 1:39
  best
• 1:40
  memories
• 1:40
  aren't
• 1:40
  bought.
• 1:41
  Hear
• 1:41
  that
• 1:41
  loud
• 1:42
  and
• 1:42
  clear,
• 1:42
  they're
• 1:42
  built.
• 1:43
  True
• 1:44
  holiday
• 1:44
  joy
• 1:44
  comes
• 1:44
  from
• 1:45
  connection,
• 1:45
  not
• 1:46
  consumption.
• 1:46
  So
• 1:46
  on
• 1:46
  today's
• 1:47
  show,
• 1:47
  let's
• 1:47
  talk
• 1:48
  about
• 1:48
  how
• 1:48
  to
• 1:48
  build
• 1:48
  meaningful
• 1:49
  holiday
• 1:50
  traditions
• 1:50
  that
• 1:51
  won't
• 1:51
  cost
• 1:51
  you
• 1:51
  much.
• 1:52
  That's
• 1:52
  we're
• 1:52
  going
• 1:52
  to
• 1:52
  cover
• 1:53
  on
• 1:53
  today's
• 1:53
  show.
• 1:55
  This
• 1:55
  is
• 1:56
  Financially
• 1:56
  Confident
• 1:57
  Christian,
• 1:57
  your
• 1:58
  daily
• 1:58
  dose
• 1:58
  of
• 1:58
  gospel,
• 1:59
  grounded
• 1:59
  insight
• 2:00
  and
• 2:00
  faith
• 2:00
  driven
• 2:01
  tips
• 2:01
  to
• 2:01
  to
• 2:02
  help
• 2:02
  you
• 2:02
  break
• 2:02
  the
• 2:02
  cycle
• 2:02
  of
• 2:03
  financial
• 2:03
  shame
• 2:03
  with
• 2:04
  confidence.
• 2:07
  Welcome
• 2:07
  to
• 2:07
  the
• 2:07
  show.
• 2:08
  I'm
• 2:08
  Ralph.
• 2:08
  My
• 2:09
  goal
• 2:09
  every
• 2:09
  day
• 2:09
  is
• 2:09
  to
• 2:10
  help
• 2:10
  you
• 2:10
  break
• 2:10
  that
• 2:10
  cycle
• 2:11
  of
• 2:11
  financial
• 2:12
  shame
• 2:12
  and
• 2:13
  do
• 2:13
  it
• 2:13
  with
• 2:13
  confidence.
• 2:13
  And
• 2:14
  listen,
• 2:14
  I've
• 2:14
  spent
• 2:14
  decades,
• 2:15
  I'm
• 2:15
  talking
• 2:16
  about
• 2:16
  decades
• 2:16
  watching
• 2:17
  families
• 2:17
  stress
• 2:18
  over
• 2:18
  money.
• 2:19
  And
• 2:19
  I've
• 2:19
  seen
• 2:20
  the
• 2:20
  lasting
• 2:20
  peace
• 2:20
  that
• 2:21
  simple
• 2:21
  traditions
• 2:22
  bring.
• 2:22
  I
• 2:22
  can
• 2:23
  remember
• 2:23
  my
• 2:23
  own
• 2:23
  family's
• 2:24
  favorite
• 2:25
  memories.
• 2:25
  They
• 2:26
  didn't
• 2:26
  come
• 2:26
  from
• 2:26
  gifts.
• 2:27
  They
• 2:27
  didn't
• 2:28
  come
• 2:28
  from
• 2:28
  anything
• 2:28
  but
• 2:29
  those
• 2:29
  small
• 2:30
  consistent
• 2:30
  traditions.
• 2:31
  And
• 2:31
  guess
• 2:32
  what?
• 2:32
  They
• 2:33
  weren't
• 2:33
  big
• 2:33
  expensive
• 2:34
  plans
• 2:34
  either.
• 2:35
  I'll
• 2:35
  give
• 2:35
  you
• 2:36
  a
• 2:36
  great
• 2:36
  example
• 2:36
  of
• 2:36
  that.
• 2:36
  When
• 2:37
  I
• 2:37
  was
• 2:37
  a
• 2:37
  kid,
• 2:37
  the
• 2:38
  big
• 2:38
  thing
• 2:38
  every
• 2:38
  Christmas,
• 2:39
  I
• 2:39
  used
• 2:39
  to
• 2:39
  look
• 2:39
  forward
• 2:39
  to
• 2:40
  this.
• 2:40
  It
• 2:40
  was
• 2:40
  the
• 2:40
  best
• 2:41
  day
• 2:41
  of
• 2:41
  the
• 2:41
  year.
• 2:41
  We
• 2:42
  would
• 2:42
  go
• 2:42
  to
• 2:42
  my
• 2:42
  grandparents
• 2:43
  house.
• 2:44
  Now
• 2:44
  I'm
• 2:44
  gonna
• 2:44
  tell
• 2:44
  you
• 2:44
  a
• 2:44
  little
• 2:44
  bit
• 2:45
  of
• 2:45
  a
• 2:45
  side
• 2:45
  thing.
• 2:45
  I
• 2:46
  was
• 2:46
  chatting
• 2:46
  with
• 2:46
  Abby
• 2:47
  before
• 2:47
  we
• 2:47
  got
• 2:47
  started
• 2:47
  today.
• 2:48
  My
• 2:48
  grandmother
• 2:48
  liked
• 2:48
  to
• 2:48
  make
• 2:49
  a
• 2:49
  Christmas
• 2:49
  turkey.
• 2:49
  Let
• 2:50
  me
• 2:50
  tell
• 2:50
  you,
• 2:50
  she
• 2:50
  would
• 2:50
  start
• 2:51
  cooking
• 2:51
  this
• 2:51
  turkey
• 2:52
  the
• 2:52
  day
• 2:52
  before
• 2:53
  Christmas.
• 2:53
  By
• 2:53
  the
• 2:53
  time
• 2:54
  it
• 2:54
  was
• 2:54
  Christmas
• 2:54
  dinner,
• 2:55
  man,
• 2:55
  you
• 2:55
  Put
• 2:55
  the
• 2:55
  knife
• 2:56
  in
• 2:56
  the
• 2:56
  turkey
• 2:56
  and
• 2:56
  it
• 2:56
  like
• 2:56
  kind
• 2:57
  of
• 2:57
  fell
• 2:57
  away
• 2:57
  because.
• 2:58
  But
• 2:58
  she
• 2:58
  loved
• 2:58
  to
• 2:58
  do
• 2:59
  it.
• 2:59
  But
• 2:59
  it
• 2:59
  was
• 3:00
  really
• 3:00
  the
• 3:00
  only
• 3:00
  day
• 3:00
  of
• 3:01
  the
• 3:01
  year
• 3:01
  that
• 3:01
  the
• 3:01
  family
• 3:01
  gets
• 3:02
  together.
• 3:02
  I
• 3:02
  had
• 3:02
  this
• 3:03
  weird
• 3:03
  kind
• 3:03
  of
• 3:04
  family
• 3:04
  dynamic
• 3:04
  where
• 3:05
  one
• 3:05
  side
• 3:05
  didn't
• 3:05
  talk
• 3:06
  to
• 3:06
  the
• 3:06
  other,
• 3:06
  but
• 3:06
  something
• 3:07
  about
• 3:07
  the
• 3:07
  magic
• 3:08
  of
• 3:08
  Christmas.
• 3:09
  Everybody
• 3:09
  just
• 3:10
  got
• 3:10
  along.
• 3:11
  And
• 3:11
  to
• 3:11
  this
• 3:12
  day,
• 3:12
  I
• 3:12
  still
• 3:13
  remember
• 3:13
  those
• 3:14
  days,
• 3:14
  those
• 3:15
  times,
• 3:15
  just
• 3:15
  sitting
• 3:16
  there
• 3:16
  and
• 3:16
  talking
• 3:17
  with
• 3:17
  family.
• 3:17
  These
• 3:17
  are
• 3:17
  family
• 3:18
  members
• 3:18
  that
• 3:18
  I
• 3:18
  really
• 3:18
  didn't
• 3:18
  see
• 3:19
  any
• 3:19
  other
• 3:19
  time
• 3:19
  of
• 3:19
  year.
• 3:20
  Which
• 3:20
  leads
• 3:20
  me
• 3:21
  to
• 3:21
  family
• 3:21
  counselor
• 3:22
  Gary
• 3:22
  Chapman
• 3:23
  said
• 3:23
  this.
• 3:24
  Traditions
• 3:25
  are
• 3:25
  love
• 3:25
  repeated.
• 3:27
  I
• 3:27
  want
• 3:27
  to
• 3:27
  say
• 3:27
  that
• 3:27
  again
• 3:28
  because
• 3:28
  he
• 3:28
  said
• 3:29
  repeat.
• 3:29
  I
• 3:29
  think
• 3:29
  it's
• 3:30
  so
• 3:30
  key.
• 3:30
  Traditions
• 3:32
  are
• 3:32
  love
• 3:32
  repeated.
• 3:33
  So
• 3:34
  let's
• 3:34
  ask
• 3:34
  ourselves
• 3:34
  today's
• 3:35
  question.
• 3:35
  How
• 3:36
  can
• 3:36
  I
• 3:36
  build
• 3:36
  meaningful
• 3:37
  holiday
• 3:37
  traditions?
• 3:38
  I've
• 3:38
  got
• 3:38
  five
• 3:39
  ways
• 3:39
  that
• 3:39
  you
• 3:39
  can
• 3:39
  do
• 3:39
  that.
• 3:40
  Number
• 3:40
  one
• 3:40
  thing,
• 3:41
  you
• 3:41
  got
• 3:41
  to
• 3:41
  look
• 3:41
  at
• 3:42
  this.
• 3:42
  Traditions
• 3:43
  are
• 3:43
  the
• 3:43
  anchor.
• 3:44
  They
• 3:44
  really
• 3:45
  are.
• 3:45
  Family
• 3:45
  routines
• 3:46
  provide
• 3:46
  emotional
• 3:47
  security
• 3:47
  for
• 3:48
  both
• 3:48
  kids
• 3:48
  and
• 3:48
  adults.
• 3:49
  I
• 3:49
  remember
• 3:49
  as
• 3:49
  a
• 3:49
  kid,
• 3:50
  everybody
• 3:50
  knew
• 3:51
  Christmas
• 3:51
  Day.
• 3:52
  You
• 3:52
  knew
• 3:52
  where
• 3:52
  you
• 3:52
  were
• 3:53
  going.
• 3:53
  And
• 3:54
  as
• 3:54
  a
• 3:54
  kid,
• 3:54
  I
• 3:54
  knew,
• 3:55
  here's
• 3:55
  what
• 3:55
  we're
• 3:55
  going
• 3:55
  to
• 3:55
  do.
• 3:55
  I
• 3:55
  didn't
• 3:56
  even
• 3:56
  make
• 3:56
  it.
• 3:56
  There
• 3:56
  was
• 3:56
  no
• 3:56
  other
• 3:57
  thought
• 3:57
  process.
• 3:58
  Same
• 3:58
  thing
• 3:58
  for
• 3:58
  the
• 3:58
  adults.
• 3:59
  They
• 3:59
  knew
• 3:59
  what
• 3:59
  was
• 3:59
  going
• 4:00
  to
• 4:00
  happen.
• 4:00
  And
• 4:01
  you
• 4:01
  remember
• 4:01
  those
• 4:02
  things
• 4:02
  for
• 4:02
  a
• 4:02
  long
• 4:03
  time.
• 4:03
  So
• 4:03
  that's
• 4:03
  the
• 4:03
  first
• 4:04
  thing.
• 4:04
  Let
• 4:04
  that
• 4:05
  tradition
• 4:05
  anchor
• 4:06
  the
• 4:06
  celebration.
• 4:07
  Second
• 4:07
  thing,
• 4:07
  a
• 4:08
  lot
• 4:08
  of
• 4:08
  people
• 4:08
  drive
• 4:08
  themselves
• 4:09
  crazy.
• 4:09
  It's
• 4:09
  not
• 4:09
  a
• 4:10
  competition.
• 4:11
  Keep
• 4:11
  it
• 4:11
  simple.
• 4:12
  You
• 4:12
  don't
• 4:13
  need
• 4:13
  to
• 4:13
  outdo
• 4:13
  everyone.
• 4:14
  Just
• 4:14
  repeat
• 4:15
  what
• 4:15
  brings
• 4:15
  peace.
• 4:16
  Peace.
• 4:16
  Don't
• 4:16
  do
• 4:17
  those
• 4:17
  things
• 4:17
  that
• 4:17
  cause
• 4:17
  more
• 4:18
  pressure.
• 4:18
  I
• 4:18
  see
• 4:19
  moms,
• 4:19
  I
• 4:19
  see
• 4:19
  grandmothers.
• 4:20
  I
• 4:20
  see
• 4:20
  people
• 4:21
  just
• 4:21
  absolutely
• 4:21
  stressed
• 4:22
  out
• 4:22
  over
• 4:22
  the
• 4:22
  holidays
• 4:23
  because
• 4:23
  they're
• 4:23
  trying
• 4:23
  to
• 4:23
  one
• 4:24
  up
• 4:24
  somebody
• 4:24
  else.
• 4:25
  It's
• 4:25
  not
• 4:25
  about
• 4:25
  that.
• 4:26
  Keep
• 4:26
  it
• 4:27
  simple.
• 4:27
  Keep
• 4:28
  it
• 4:28
  peaceful.
• 4:29
  That's
• 4:29
  what
• 4:29
  you're
• 4:29
  going
• 4:29
  to
• 4:30
  remember.
• 4:30
  Which
• 4:30
  leads
• 4:31
  me
• 4:31
  to
• 4:31
  the
• 4:31
  third
• 4:31
  thing.
• 4:32
  Focus
• 4:33
  on
• 4:33
  meaning.
• 4:34
  We're
• 4:35
  celebrating
• 4:35
  Christmas
• 4:36
  for
• 4:36
  a
• 4:36
  reason.
• 4:37
  Maybe
• 4:37
  for
• 4:37
  you
• 4:38
  it's
• 4:38
  lighting
• 4:38
  candles.
• 4:38
  Or
• 4:39
  maybe
• 4:39
  here's
• 4:40
  a
• 4:40
  great
• 4:40
  idea.
• 4:41
  Read
• 4:41
  Luke,
• 4:42
  chapter
• 4:42
  two.
• 4:42
  It's
• 4:42
  all
• 4:42
  about
• 4:43
  the
• 4:43
  birth
• 4:43
  of
• 4:43
  Jesus.
• 4:44
  So
• 4:44
  many
• 4:44
  people
• 4:44
  don't
• 4:45
  even
• 4:45
  know
• 4:45
  what
• 4:45
  that's
• 4:45
  all
• 4:45
  about.
• 4:46
  Or
• 4:46
  maybe
• 4:47
  it's
• 4:47
  a
• 4:47
  great
• 4:47
  day
• 4:47
  to
• 4:48
  write
• 4:48
  some
• 4:48
  gratitude
• 4:49
  notes.
• 4:49
  They
• 4:49
  don't
• 4:49
  cost
• 4:50
  you
• 4:50
  anything.
• 4:50
  See,
• 4:50
  it's
• 4:51
  not
• 4:51
  about
• 4:51
  the
• 4:51
  gifts.
• 4:52
  The
• 4:53
  whole
• 4:53
  point,
• 4:53
  Listen,
• 4:54
  the
• 4:54
  whole
• 4:54
  point
• 4:54
  of
• 4:54
  Christmas
• 4:55
  I
• 4:55
  can
• 4:55
  encapsulate,
• 4:56
  really
• 4:56
  simple,
• 4:56
  is
• 4:57
  to
• 4:57
  celebrate
• 4:57
  the
• 4:57
  birth
• 4:58
  of
• 4:58
  Jesus.
• 4:59
  That's
• 4:59
  a
• 4:59
  gift.
• 5:00
  We
• 5:00
  will
• 5:00
  never
• 5:00
  get
• 5:00
  a
• 5:01
  better
• 5:01
  gift
• 5:01
  than
• 5:01
  that.
• 5:01
  That's
• 5:02
  the
• 5:02
  whole
• 5:02
  point
• 5:02
  of
• 5:02
  the
• 5:02
  season.
• 5:03
  Number
• 5:03
  four
• 5:03
  thing,
• 5:04
  be
• 5:04
  consistent.
• 5:05
  I
• 5:05
  love
• 5:05
  consistency,
• 5:06
  especially
• 5:07
  as
• 5:07
  a
• 5:07
  young
• 5:07
  kid.
• 5:08
  A
• 5:08
  small
• 5:08
  act
• 5:09
  Repeated
• 5:09
  every
• 5:10
  year
• 5:10
  after
• 5:10
  year
• 5:11
  becomes
• 5:11
  sacred
• 5:11
  in
• 5:12
  memory.
• 5:12
  That
• 5:12
  was
• 5:12
  my
• 5:13
  sacred
• 5:13
  thing.
• 5:14
  Those
• 5:14
  traditions
• 5:14
  were
• 5:15
  consistent.
• 5:16
  I
• 5:16
  remember.
• 5:16
  Here's
• 5:17
  a
• 5:17
  sad
• 5:17
  story.
• 5:18
  I
• 5:18
  remember
• 5:18
  my
• 5:18
  mom
• 5:18
  and
• 5:18
  dad
• 5:19
  split
• 5:19
  up.
• 5:19
  And
• 5:19
  all
• 5:20
  of
• 5:20
  a
• 5:20
  sudden
• 5:20
  there
• 5:20
  was
• 5:20
  this
• 5:20
  big
• 5:21
  question,
• 5:21
  what
• 5:21
  are
• 5:21
  we
• 5:21
  going
• 5:22
  to
• 5:22
  do?
• 5:22
  And
• 5:22
  I
• 5:23
  remember
• 5:23
  that
• 5:23
  particular
• 5:23
  year,
• 5:24
  my
• 5:24
  dad
• 5:24
  sat
• 5:25
  on
• 5:25
  the
• 5:25
  sideline
• 5:25
  and
• 5:26
  I
• 5:26
  remember
• 5:26
  talking
• 5:26
  to
• 5:26
  him
• 5:26
  that
• 5:27
  night.
• 5:27
  And
• 5:27
  he
• 5:27
  was
• 5:27
  crushed
• 5:28
  because
• 5:28
  it
• 5:28
  was
• 5:28
  such
• 5:29
  a
• 5:29
  thing
• 5:29
  that
• 5:30
  held
• 5:30
  the
• 5:30
  family
• 5:30
  together.
• 5:31
  And
• 5:31
  even
• 5:31
  though
• 5:32
  my
• 5:32
  mom
• 5:32
  and
• 5:33
  dad's
• 5:33
  marriage
• 5:33
  was
• 5:33
  falling
• 5:34
  apart,
• 5:34
  man,
• 5:34
  next
• 5:35
  year
• 5:35
  he
• 5:35
  was
• 5:35
  back
• 5:35
  there
• 5:36
  because
• 5:36
  he
• 5:36
  needed
• 5:37
  to
• 5:37
  be
• 5:37
  there.
• 5:37
  It
• 5:37
  was
• 5:37
  so
• 5:38
  important
• 5:38
  to
• 5:38
  him.
• 5:39
  And
• 5:39
  number
• 5:39
  five,
• 5:40
  and
• 5:40
  again,
• 5:40
  I
• 5:40
  probably
• 5:41
  could
• 5:41
  have
• 5:41
  started
• 5:41
  with
• 5:41
  this
• 5:41
  one
• 5:42
  first.
• 5:43
  Make
• 5:43
  sure
• 5:43
  it's
• 5:43
  centered
• 5:44
  on
• 5:44
  Christ.
• 5:45
  So
• 5:45
  many
• 5:45
  people
• 5:45
  don't
• 5:46
  get
• 5:46
  the
• 5:46
  reason
• 5:46
  for
• 5:46
  the
• 5:47
  season.
• 5:47
  A
• 5:47
  popular
• 5:48
  saying
• 5:48
  out
• 5:48
  there
• 5:48
  right
• 5:49
  now
• 5:49
  is,
• 5:49
  what's
• 5:49
  the
• 5:50
  real
• 5:50
  reason
• 5:50
  for
• 5:50
  the
• 5:51
  season?
• 5:51
  But
• 5:52
  make
• 5:52
  faith
• 5:52
  the
• 5:52
  heartbeat
• 5:53
  of
• 5:53
  your
• 5:53
  family
• 5:54
  rituals
• 5:54
  because
• 5:54
  it
• 5:54
  grounds
• 5:55
  the
• 5:55
  celebration.
• 5:56
  Be
• 5:57
  so
• 5:57
  careful
• 5:57
  it
• 5:57
  doesn't
• 5:58
  come
• 5:58
  this
• 5:58
  big
• 5:59
  gift
• 5:59
  exchange
• 5:59
  where
• 5:59
  everybody's
• 6:00
  just
• 6:00
  worrying
• 6:00
  about
• 6:01
  what's
• 6:01
  the
• 6:01
  gift.
• 6:02
  Think
• 6:02
  about
• 6:03
  this
• 6:03
  one.
• 6:03
  Abby
• 6:04
  found
• 6:04
  this
• 6:04
  statistic
• 6:05
  also.
• 6:05
  Only
• 6:05
  22%
• 6:06
  of
• 6:06
  Americans
• 6:07
  say
• 6:07
  they
• 6:07
  could
• 6:07
  accurately
• 6:08
  tell
• 6:08
  the
• 6:08
  Christmas
• 6:09
  story
• 6:09
  from
• 6:09
  the
• 6:09
  Bible
• 6:09
  from
• 6:10
  memory.
• 6:11
  And
• 6:11
  that
• 6:11
  just
• 6:11
  crushed
• 6:12
  me
• 6:12
  because
• 6:13
  it
• 6:13
  showed
• 6:13
  how
• 6:13
  many
• 6:14
  are
• 6:14
  unclear
• 6:14
  about
• 6:15
  the
• 6:15
  holiday's
• 6:15
  biblical
• 6:16
  roots.
• 6:17
  Focus
• 6:18
  on
• 6:18
  that.
• 6:19
  And
• 6:19
  I
• 6:19
  found
• 6:19
  this
• 6:19
  Bible
• 6:20
  verse
• 6:20
  from
• 6:20
  the
• 6:20
  book
• 6:20
  of
• 6:20
  Deuteronomy.
• 6:21
  Don't
• 6:21
  often
• 6:21
  quote
• 6:22
  that
• 6:22
  on
• 6:22
  the
• 6:22
  show,
• 6:22
  but
• 6:22
  Deuteronomy,
• 6:23
  chapter
• 6:24
  6,
• 6:24
  verses
• 6:25
  6
• 6:25
  to
• 6:25
  7.
• 6:26
  And
• 6:26
  this
• 6:26
  is
• 6:26
  really
• 6:26
  leaning
• 6:27
  into
• 6:27
  that,
• 6:28
  instilling
• 6:28
  that
• 6:29
  tradition
• 6:29
  in
• 6:29
  your
• 6:29
  children.
• 6:30
  It
• 6:30
  says
• 6:30
  this
• 6:30
  again,
• 6:30
  Deuteronomy,
• 6:31
  6,
• 6:32
  6,
• 6:32
  7.
• 6:33
  These
• 6:33
  commandments
• 6:34
  that
• 6:34
  I
• 6:34
  give
• 6:34
  you
• 6:34
  today
• 6:35
  are
• 6:35
  to
• 6:35
  be
• 6:35
  on
• 6:35
  your
• 6:36
  hearts.
• 6:36
  Impress
• 6:37
  them
• 6:37
  on
• 6:37
  your
• 6:37
  children.
• 6:38
  Talk
• 6:38
  about
• 6:39
  them
• 6:39
  when
• 6:39
  you
• 6:39
  sit
• 6:39
  at
• 6:39
  home
• 6:40
  and
• 6:40
  when
• 6:40
  you
• 6:40
  walk
• 6:40
  along
• 6:41
  the
• 6:41
  road.
• 6:41
  What
• 6:42
  is
• 6:42
  the
• 6:42
  Bible
• 6:42
  telling
• 6:43
  us
• 6:43
  there?
• 6:43
  Impress
• 6:44
  these
• 6:44
  traditions
• 6:45
  on
• 6:45
  the
• 6:45
  hearts
• 6:45
  of
• 6:45
  your
• 6:45
  children.
• 6:46
  Help
• 6:46
  them
• 6:46
  to
• 6:47
  understand
• 6:47
  the
• 6:47
  reason
• 6:48
  for
• 6:48
  Christmas.
• 6:48
  Help
• 6:49
  them
• 6:49
  to
• 6:49
  see
• 6:49
  that
• 6:50
  it's
• 6:50
  all
• 6:50
  about
• 6:50
  relationships
• 6:51
  and
• 6:51
  family.
• 6:52
  It's
• 6:52
  not
• 6:52
  that
• 6:52
  stupid
• 6:53
  gift
• 6:53
  exchange
• 6:54
  where
• 6:54
  everybody
• 6:54
  listen.
• 6:55
  We
• 6:55
  started
• 6:55
  off
• 6:55
  by
• 6:55
  talking
• 6:56
  about
• 6:56
  people
• 6:56
  buy
• 6:56
  gifts
• 6:57
  that
• 6:57
  they
• 6:57
  don't
• 6:57
  need.
• 6:57
  There's
• 6:58
  so
• 6:58
  many
• 6:58
  things
• 6:58
  that
• 6:58
  people
• 6:59
  are
• 6:59
  getting.
• 6:59
  They
• 6:59
  don't
• 6:59
  want
• 7:00
  those
• 7:00
  things.
• 7:00
  They
• 7:01
  want
• 7:01
  you.
• 7:01
  They
• 7:01
  want
• 7:02
  to
• 7:02
  connect
• 7:02
  with
• 7:02
  you.
• 7:03
  How
• 7:03
  about
• 7:03
  we
• 7:03
  pray
• 7:03
  together,
• 7:04
  Lord,
• 7:05
  during
• 7:05
  this
• 7:05
  holiday
• 7:06
  season,
• 7:06
  we
• 7:06
  just
• 7:06
  pray
• 7:07
  right
• 7:07
  now
• 7:07
  that
• 7:07
  you
• 7:07
  would
• 7:07
  help
• 7:08
  us
• 7:08
  to
• 7:08
  slow
• 7:08
  down
• 7:08
  and
• 7:09
  really
• 7:09
  savor
• 7:10
  the
• 7:10
  season.
• 7:11
  Lord,
• 7:11
  help
• 7:11
  me
• 7:11
  to
• 7:11
  teach
• 7:12
  my
• 7:12
  family
• 7:12
  to
• 7:12
  value
• 7:13
  of
• 7:13
  time
• 7:13
  and
• 7:13
  the
• 7:14
  value
• 7:14
  of
• 7:14
  relationships
• 7:15
  over
• 7:15
  that
• 7:16
  stupid
• 7:16
  gift
• 7:16
  exchange.
• 7:17
  And
• 7:17
  all
• 7:17
  those
• 7:18
  trying
• 7:18
  to
• 7:18
  one
• 7:18
  up
• 7:19
  everybody
• 7:19
  and
• 7:19
  outdo
• 7:19
  everybody
• 7:20
  else.
• 7:20
  Lord,
• 7:20
  help
• 7:20
  us
• 7:21
  to
• 7:21
  really
• 7:21
  focus
• 7:21
  on
• 7:22
  traditions
• 7:22
  that
• 7:22
  reflect
• 7:23
  our
• 7:23
  gratitude
• 7:24
  for
• 7:24
  what
• 7:24
  you've
• 7:24
  given
• 7:24
  us,
• 7:25
  Lord,
• 7:25
  and
• 7:25
  the
• 7:25
  faith
• 7:26
  in
• 7:26
  Jesus
• 7:26
  Christ
• 7:27
  help
• 7:27
  us
• 7:27
  to
• 7:27
  really
• 7:28
  understand
• 7:28
  the
• 7:28
  Bible
• 7:29
  story
• 7:29
  and
• 7:30
  help
• 7:30
  us
• 7:30
  to
• 7:30
  really
• 7:30
  dwell
• 7:31
  on
• 7:31
  the
• 7:31
  real
• 7:32
  and
• 7:32
  true
• 7:32
  reason.
• 7:33
  For
• 7:33
  this
• 7:33
  season,
• 7:33
  we
• 7:33
  ask
• 7:34
  this
• 7:34
  in
• 7:34
  confidence
• 7:35
  in
• 7:35
  the
• 7:35
  name
• 7:35
  of
• 7:35
  Jesus.
• 7:36
  Amen.
• 7:37
  So
• 7:37
  here's
• 7:37
  your
• 7:38
  action
• 7:38
  item
• 7:38
  for
• 7:38
  today.
• 7:39
  I
• 7:39
  want
• 7:39
  you
• 7:39
  to
• 7:39
  start
• 7:40
  thinking
• 7:40
  a
• 7:40
  little
• 7:40
  brainstorming
• 7:41
  today.
• 7:41
  Start
• 7:42
  one
• 7:42
  new
• 7:43
  simple,
• 7:43
  low
• 7:43
  cost
• 7:44
  tradition
• 7:44
  during
• 7:44
  the
• 7:44
  holiday
• 7:45
  season.
• 7:46
  Think
• 7:46
  about
• 7:46
  it.
• 7:46
  Think
• 7:46
  about
• 7:47
  something
• 7:47
  that
• 7:47
  brings
• 7:47
  peace
• 7:48
  and
• 7:48
  something
• 7:48
  that
• 7:48
  brings
• 7:49
  togetherness
• 7:50
  without
• 7:50
  spending
• 7:50
  a
• 7:51
  dime.
• 7:51
  This
• 7:52
  is
• 7:52
  a
• 7:52
  great
• 7:52
  time
• 7:52
  to
• 7:53
  celebrate
• 7:53
  with
• 7:53
  family
• 7:53
  during
• 7:54
  the
• 7:54
  holidays.
• 7:54
  But
• 7:54
  think
• 7:55
  about
• 7:55
  those
• 7:55
  traditions
• 7:56
  that
• 7:56
  you
• 7:56
  could
• 7:56
  start
• 7:56
  right
• 7:57
  now
• 7:57
  that
• 7:57
  your
• 7:58
  grandchildren
• 7:59
  and
• 7:59
  people,
• 7:59
  your
• 7:59
  grandchildren's
• 8:00
  grandchildren
• 8:01
  will
• 8:01
  someday
• 8:01
  say.
• 8:02
  I
• 8:02
  remember
• 8:02
  when
• 8:03
  we
• 8:03
  used
• 8:03
  to
• 8:03
  do
• 8:03
  that
• 8:03
  as
• 8:04
  a
• 8:04
  family.
• 8:04
  Those
• 8:04
  things
• 8:05
  will
• 8:05
  matter
• 8:05
  so
• 8:05
  much
• 8:05
  more
• 8:06
  than
• 8:06
  the
• 8:06
  gifts
• 8:07
  down
• 8:07
  the
• 8:07
  road.
• 8:07
  And
• 8:08
  if
• 8:08
  this
• 8:08
  episode
• 8:09
  spoke
• 8:09
  to
• 8:09
  you,
• 8:09
  I
• 8:09
  want
• 8:09
  to
• 8:09
  encourage
• 8:10
  you
• 8:10
  right
• 8:10
  now,
• 8:10
  share
• 8:10
  it
• 8:11
  with
• 8:11
  somebody.
• 8:11
  Share
• 8:11
  it
• 8:12
  with
• 8:12
  a
• 8:12
  friend
• 8:12
  or
• 8:12
  a
• 8:12
  family
• 8:13
  member.
• 8:13
  You
• 8:13
  can
• 8:14
  do
• 8:14
  it.
• 8:14
  Simply
• 8:14
  text
• 8:14
  them,
• 8:15
  say,
• 8:15
  hey,
• 8:15
  maybe
• 8:16
  you're
• 8:16
  feeling
• 8:16
  overwhelmed
• 8:17
  by
• 8:17
  the
• 8:17
  holiday
• 8:17
  season.
• 8:18
  Remember,
• 8:19
  they
• 8:19
  don't
• 8:19
  have
• 8:20
  to
• 8:20
  live
• 8:20
  in
• 8:20
  that
• 8:20
  feeling
• 8:21
  of
• 8:21
  overwhelm.
• 8:22
  Send
• 8:22
  them
• 8:22
  to
• 8:23
  the
• 8:23
  show.
• 8:23
  Send
• 8:23
  them
• 8:23
  this
• 8:23
  episode
• 8:24
  if
• 8:24
  you
• 8:24
  will.
• 8:24
  You
• 8:25
  can
• 8:25
  share
• 8:25
  it
• 8:25
  right
• 8:25
  in
• 8:25
  your
• 8:26
  podcast
• 8:26
  app
• 8:26
  or
• 8:26
  if
• 8:27
  you're
• 8:27
  on
• 8:27
  YouTube,
• 8:27
  just
• 8:27
  click
• 8:28
  on
• 8:28
  share.
• 8:29
  Because
• 8:29
  maybe
• 8:30
  this
• 8:30
  love
• 8:30
  can
• 8:30
  bring
• 8:30
  a
• 8:31
  little
• 8:31
  piece
• 8:31
  this
• 8:31
  year
• 8:31
  to
• 8:32
  their
• 8:32
  show
• 8:32
  or
• 8:33
  to
• 8:33
  their
• 8:33
  life.
• 8:33
  And
• 8:33
  if
• 8:34
  you
• 8:34
  thought
• 8:34
  of
• 8:34
  somebody
• 8:34
  while
• 8:35
  listening
• 8:35
  to
• 8:35
  this,
• 8:35
  maybe
• 8:35
  you've
• 8:36
  got
• 8:36
  somebody
• 8:36
  in
• 8:36
  mind.
• 8:36
  You're
• 8:37
  thinking,
• 8:37
  ralph,
• 8:38
  I
• 8:38
  know
• 8:38
  exactly
• 8:39
  who
• 8:39
  needs
• 8:39
  to
• 8:39
  hear
• 8:40
  this.
• 8:41
  That
• 8:41
  may
• 8:41
  be
• 8:41
  God
• 8:42
  just
• 8:42
  speaking
• 8:42
  to
• 8:42
  you
• 8:43
  right
• 8:43
  now.
• 8:43
  So
• 8:43
  reach
• 8:44
  out
• 8:44
  and
• 8:44
  connect
• 8:44
  to
• 8:44
  them
• 8:44
  this.
• 8:45
  Send
• 8:45
  them
• 8:45
  to
• 8:45
  our
• 8:45
  website.
• 8:46
  That's
• 8:46
  financiallyconfidentchristian.com
• 8:49
  it
• 8:49
  could
• 8:49
  be
• 8:50
  a
• 8:50
  huge
• 8:50
  impact
• 8:50
  on
• 8:51
  this.
• 8:51
  You
• 8:51
  know,
• 8:52
  so
• 8:52
  many
• 8:52
  people
• 8:52
  are
• 8:53
  overwhelmed
• 8:53
  by
• 8:53
  Christmas.
• 8:54
  There's
• 8:54
  a
• 8:54
  lot
• 8:54
  of
• 8:54
  reasons
• 8:55
  for
• 8:55
  that.
• 8:55
  A
• 8:56
  lot
• 8:56
  of
• 8:56
  times
• 8:56
  it
• 8:56
  brings
• 8:57
  up
• 8:57
  people
• 8:57
  they've
• 8:58
  lost
• 8:58
  and
• 8:58
  tough
• 8:59
  times
• 8:59
  they've
• 8:59
  been
• 8:59
  through,
• 9:00
  man.
• 9:00
  So
• 9:00
  let's
• 9:01
  put
• 9:01
  our
• 9:01
  arms
• 9:01
  around
• 9:01
  those
• 9:02
  people
• 9:02
  and
• 9:02
  let's
• 9:02
  really
• 9:02
  embrace
• 9:03
  them
• 9:03
  and
• 9:03
  help
• 9:04
  them
• 9:04
  to
• 9:04
  find
• 9:04
  joy
• 9:04
  in
• 9:05
  the
• 9:05
  holidays.
• 9:05
  Because
• 9:05
  remember
• 9:06
  this,
• 9:07
  the
• 9:07
  holidays
• 9:07
  were
• 9:08
  never
• 9:08
  meant
• 9:08
  to
• 9:08
  drain
• 9:08
  our
• 9:09
  wallets
• 9:09
  and
• 9:10
  they
• 9:10
  certainly
• 9:10
  weren't
• 9:10
  meant
• 9:11
  to
• 9:11
  drain
• 9:11
  our
• 9:11
  energy.
• 9:12
  They
• 9:12
  were
• 9:12
  really
• 9:13
  meant
• 9:13
  to
• 9:13
  draw
• 9:13
  us
• 9:13
  closer
• 9:14
  and
• 9:14
  to
• 9:14
  celebrate
• 9:15
  God,
• 9:15
  to
• 9:16
  be
• 9:16
  with
• 9:16
  one
• 9:16
  another.
• 9:17
  So
• 9:17
  take
• 9:17
  a
• 9:17
  breath
• 9:18
  right
• 9:18
  now.
• 9:18
  Choose
• 9:19
  that
• 9:19
  connection
• 9:19
  over
• 9:20
  chaos.
• 9:20
  And
• 9:20
  remember
• 9:21
  this.
• 9:22
  The
• 9:22
  best
• 9:22
  traditions
• 9:23
  aren't
• 9:23
  expensive,
• 9:25
  but
• 9:25
  man,
• 9:25
  they
• 9:25
  are
• 9:26
  super
• 9:26
  meaningful.
• 9:26
  So
• 9:27
  thank
• 9:27
  you
• 9:27
  for
• 9:27
  joining
• 9:27
  me
• 9:27
  today.
• 9:28
  I
• 9:28
  want
• 9:28
  to
• 9:28
  encourage
• 9:29
  you
• 9:29
  right
• 9:29
  now,
• 9:29
  go
• 9:29
  out
• 9:29
  there
• 9:29
  and
• 9:30
  be
• 9:30
  a
• 9:30
  financially
• 9:31
  confident
• 9:31
  Christian.
• 9:32
  Stay
• 9:32
  financially
• 9:33
  savvy
• 9:33
  and
• 9:34
  embrace
• 9:34
  the
• 9:34
  holidays
• 9:35
  with
• 9:35
  joy.
• 9:35
  God
• 9:36
  bless
• 9:36
  you,
• 9:36
  and
• 9:36
  I'll
• 9:36
  see
• 9:36
  you
• 9:37
  on
• 9:37
  tomorrow's
• 9:37
  show.