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What Are Realistic Ways to Manage Stress Without Reaching for a Credit Card? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  told
• 0:38
  yourself
• 0:38
  I
• 0:39
  deserve
• 0:39
  this?
• 0:39
  Right
• 0:40
  before
• 0:40
  you
• 0:40
  clicked
• 0:40
  purchase?
• 0:42
  Not
• 0:42
  because
• 0:42
  you're
• 0:42
  reckless,
• 0:44
  not
• 0:44
  because
• 0:44
  you
• 0:44
  don't
• 0:45
  care,
• 0:46
  but
• 0:46
  because
• 0:46
  you're
• 0:46
  tired
• 0:47
  or
• 0:48
  maybe
• 0:48
  you're
• 0:48
  stressed,
• 0:49
  or
• 0:50
  maybe
• 0:50
  you're
• 0:50
  just
• 0:50
  overwhelmed
• 0:52
  and
• 0:52
  for
• 0:53
  just
• 0:53
  a
• 0:53
  moment,
• 0:54
  buying
• 0:55
  something
• 0:55
  feels
• 0:55
  like
• 0:56
  relief.
• 0:57
  Well,
• 0:57
  that
• 0:58
  is
• 0:58
  until
• 0:58
  the
• 0:58
  statement
• 0:59
  arrives.
• 1:00
  And
• 1:00
  now
• 1:01
  the
• 1:01
  stress
• 1:01
  is
• 1:01
  still
• 1:01
  there.
• 1:02
  Plus
• 1:02
  they've
• 1:03
  added
• 1:03
  interest
• 1:03
  to
• 1:03
  it.
• 1:05
  Friend,
• 1:05
  this
• 1:05
  isn't
• 1:06
  about
• 1:06
  math.
• 1:06
  It's
• 1:07
  really
• 1:07
  about
• 1:07
  emotion.
• 1:09
  So
• 1:09
  today
• 1:09
  we're
• 1:09
  going
• 1:09
  to
• 1:10
  break
• 1:10
  the
• 1:10
  cycle
• 1:10
  in
• 1:10
  a
• 1:11
  way
• 1:11
  that
• 1:11
  works
• 1:11
  in
• 1:12
  real
• 1:12
  life.
• 1:34
  Hey,
• 1:34
  friend.
• 1:35
  Ralph
• 1:35
  Estep
• 1:35
  Jr.
• 1:36
  Here.
• 1:36
  Welcome
• 1:37
  to
• 1:37
  financially
• 1:37
  Confident
• 1:38
  Christian,
• 1:39
  where
• 1:39
  every
• 1:39
  day
• 1:39
  we
• 1:40
  work
• 1:40
  to
• 1:40
  break
• 1:40
  the
• 1:40
  cycle
• 1:41
  of
• 1:41
  financial
• 1:41
  shame
• 1:42
  and
• 1:43
  do
• 1:43
  it
• 1:43
  with
• 1:43
  confidence.
• 1:44
  And
• 1:45
  today
• 1:45
  we're
• 1:45
  talking
• 1:45
  about
• 1:46
  managing
• 1:46
  stress
• 1:47
  without
• 1:47
  reaching
• 1:47
  for
• 1:48
  a
• 1:48
  credit
• 1:48
  card.
• 1:49
  Well,
• 1:49
  let's
• 1:49
  get
• 1:50
  right
• 1:50
  to
• 1:50
  today's
• 1:50
  listener
• 1:51
  question.
• 1:52
  Listener
• 1:52
  writes
• 1:52
  this
• 1:53
  Ralph
• 1:53
  When
• 1:54
  I'm
• 1:54
  stressed,
• 1:54
  I
• 1:55
  reach
• 1:55
  for
• 1:55
  my
• 1:55
  credit
• 1:56
  card
• 1:57
  and
• 1:57
  afterward
• 1:57
  I'm
• 1:58
  flooded
• 1:58
  with
• 1:58
  regret.
• 2:00
  I'm
• 2:00
  not
• 2:00
  trying
• 2:00
  to
• 2:00
  be
• 2:01
  irresponsible
• 2:02
  in
• 2:03
  the
• 2:03
  moment.
• 2:03
  It
• 2:03
  just
• 2:03
  feels
• 2:04
  like
• 2:04
  the
• 2:04
  only
• 2:04
  relief
• 2:05
  that
• 2:05
  I
• 2:05
  have.
• 2:06
  Then
• 2:06
  the
• 2:07
  guilt
• 2:07
  hits
• 2:08
  and
• 2:08
  the
• 2:08
  balance
• 2:09
  grows
• 2:10
  and
• 2:10
  I
• 2:10
  feel
• 2:10
  stuck
• 2:11
  in
• 2:11
  the
• 2:11
  same
• 2:11
  pattern
• 2:12
  again.
• 2:14
  How
• 2:14
  do
• 2:14
  I
• 2:14
  break
• 2:14
  the
• 2:15
  cycle
• 2:15
  in
• 2:15
  a
• 2:15
  way
• 2:15
  that's
• 2:16
  actually
• 2:16
  realistic
• 2:17
  for
• 2:17
  my
• 2:18
  real
• 2:18
  life?
• 2:20
  And
• 2:20
  I
• 2:20
  like
• 2:20
  the
• 2:21
  way
• 2:21
  they
• 2:21
  ended
• 2:21
  that
• 2:21
  question.
• 2:22
  For
• 2:22
  my
• 2:22
  real
• 2:23
  life,
• 2:24
  it's
• 2:24
  real
• 2:24
  easy
• 2:25
  to
• 2:25
  have
• 2:25
  pie
• 2:25
  in
• 2:25
  the
• 2:25
  sky
• 2:26
  ideas.
• 2:26
  We'll
• 2:27
  never
• 2:27
  do
• 2:27
  that.
• 2:27
  We're
• 2:28
  never
• 2:28
  going
• 2:28
  to
• 2:28
  have
• 2:28
  stress
• 2:29
  and
• 2:29
  we're
• 2:29
  never
• 2:29
  going
• 2:29
  to
• 2:29
  have
• 2:30
  anxiety.
• 2:31
  But
• 2:31
  the
• 2:32
  truth
• 2:32
  is
• 2:32
  you
• 2:32
  can't
• 2:33
  eliminate
• 2:33
  stress.
• 2:35
  You
• 2:35
  just
• 2:35
  have
• 2:35
  to
• 2:35
  replace
• 2:36
  it
• 2:36
  with
• 2:36
  an
• 2:36
  outlet.
• 2:37
  So
• 2:38
  let's
• 2:38
  talk
• 2:38
  about
• 2:38
  how
• 2:38
  to
• 2:39
  navigate
• 2:39
  this.
• 2:40
  First
• 2:41
  thing
• 2:41
  I'm
• 2:41
  going
• 2:41
  to
• 2:41
  encourage
• 2:41
  you
• 2:42
  to
• 2:42
  do
• 2:42
  is
• 2:42
  to
• 2:42
  create
• 2:43
  a
• 2:43
  24
• 2:44
  hour
• 2:44
  rule.
• 2:45
  If
• 2:45
  you've
• 2:45
  been
• 2:45
  a
• 2:46
  long
• 2:46
  time
• 2:46
  listener
• 2:46
  in
• 2:46
  this
• 2:46
  show,
• 2:47
  you
• 2:47
  know,
• 2:47
  this
• 2:47
  is
• 2:47
  one
• 2:47
  of
• 2:48
  my
• 2:48
  go
• 2:48
  to
• 2:48
  things
• 2:49
  because
• 2:50
  impulsiveness
• 2:51
  lives
• 2:51
  in
• 2:51
  urgency.
• 2:53
  But
• 2:53
  if
• 2:53
  you
• 2:53
  build
• 2:53
  a
• 2:54
  delay
• 2:54
  into
• 2:54
  your
• 2:54
  system,
• 2:55
  you
• 2:55
  can
• 2:56
  stop
• 2:56
  that.
• 2:57
  So
• 2:57
  when
• 2:58
  you're
• 2:58
  feeling
• 2:58
  stressed,
• 2:59
  when
• 2:59
  you're
• 3:00
  feeling
• 3:00
  overwhelmed,
• 3:02
  just
• 3:02
  say
• 3:02
  to
• 3:03
  yourself,
• 3:03
  look,
• 3:03
  I'm
• 3:03
  not
• 3:03
  going
• 3:04
  to
• 3:04
  purchase
• 3:04
  anything
• 3:04
  for
• 3:04
  the
• 3:05
  next
• 3:05
  24
• 3:05
  hours.
• 3:07
  I'm
• 3:07
  kind
• 3:07
  of
• 3:07
  feeling
• 3:07
  like
• 3:07
  that
• 3:08
  today.
• 3:08
  Had
• 3:08
  a
• 3:08
  rough
• 3:08
  weekend,
• 3:09
  a
• 3:09
  lot
• 3:09
  of
• 3:09
  emotional
• 3:10
  stuff
• 3:10
  going
• 3:11
  on.
• 3:12
  So
• 3:12
  for
• 3:12
  me
• 3:12
  right
• 3:12
  now
• 3:13
  I've
• 3:13
  got
• 3:13
  to
• 3:13
  put
• 3:13
  that
• 3:14
  pause
• 3:14
  on.
• 3:14
  I'm
• 3:15
  going
• 3:15
  to
• 3:15
  put
• 3:15
  it
• 3:15
  in
• 3:15
  the
• 3:15
  cart.
• 3:16
  Maybe
• 3:16
  I'll
• 3:17
  screenshot
• 3:17
  it.
• 3:18
  Hey,
• 3:18
  I
• 3:18
  might
• 3:18
  even
• 3:19
  break
• 3:19
  out
• 3:19
  the
• 3:19
  pen
• 3:19
  and
• 3:19
  paper
• 3:20
  and
• 3:20
  write
• 3:20
  it
• 3:20
  down.
• 3:21
  But
• 3:21
  I'm
• 3:22
  not
• 3:22
  going
• 3:22
  to
• 3:22
  swipe
• 3:22
  that
• 3:22
  credit
• 3:23
  card
• 3:24
  because
• 3:24
  what
• 3:24
  I've
• 3:24
  come
• 3:25
  to
• 3:25
  realize
• 3:26
  is
• 3:26
  that
• 3:26
  delay
• 3:27
  disrupts
• 3:28
  that
• 3:28
  emotion.
• 3:29
  And
• 3:29
  a
• 3:29
  Lot
• 3:29
  of
• 3:30
  times
• 3:30
  in
• 3:30
  24
• 3:30
  hours,
• 3:31
  I
• 3:31
  don't
• 3:31
  even
• 3:32
  want
• 3:32
  to
• 3:32
  think.
• 3:33
  So
• 3:33
  that's
• 3:33
  where
• 3:33
  you
• 3:34
  start.
• 3:35
  Second
• 3:35
  thing,
• 3:35
  you've
• 3:36
  got
• 3:36
  to
• 3:36
  really
• 3:36
  identify
• 3:37
  what
• 3:37
  is
• 3:37
  the
• 3:38
  real
• 3:38
  trigger
• 3:38
  here.
• 3:39
  I
• 3:40
  think
• 3:40
  so
• 3:40
  many
• 3:40
  times
• 3:40
  we
• 3:41
  don't
• 3:41
  realize
• 3:41
  what
• 3:41
  the
• 3:42
  real
• 3:42
  trigger
• 3:42
  is.
• 3:43
  So
• 3:44
  ask
• 3:44
  yourself,
• 3:44
  is
• 3:45
  this
• 3:45
  exhaustion?
• 3:46
  Do
• 3:46
  you
• 3:47
  find
• 3:47
  yourself
• 3:47
  doing
• 3:47
  this
• 3:48
  at
• 3:48
  night?
• 3:48
  I
• 3:48
  think
• 3:48
  a
• 3:48
  lot
• 3:48
  of
• 3:49
  us
• 3:49
  do
• 3:49
  that.
• 3:49
  We
• 3:49
  get
• 3:49
  on
• 3:49
  our
• 3:50
  feet,
• 3:50
  phone,
• 3:50
  and
• 3:50
  we're
• 3:51
  scrolling
• 3:51
  through
• 3:51
  the
• 3:51
  apps
• 3:52
  and
• 3:52
  all
• 3:52
  of
• 3:52
  a
• 3:52
  sudden
• 3:52
  we're
• 3:52
  on
• 3:52
  TikTok.
• 3:53
  I
• 3:53
  don't
• 3:53
  know
• 3:53
  about
• 3:54
  you,
• 3:54
  but
• 3:54
  everything
• 3:54
  now,
• 3:55
  tick
• 3:55
  tock
• 3:55
  is
• 3:56
  selling
• 3:56
  everything
• 3:57
  no
• 3:58
  matter
• 3:58
  where
• 3:58
  you
• 3:58
  turn.
• 3:59
  I'm
• 3:59
  not
• 3:59
  trying
• 3:59
  to
• 3:59
  pick
• 3:59
  on
• 3:59
  TikTok,
• 4:00
  but
• 4:00
  they're
• 4:00
  selling
• 4:01
  everything.
• 4:02
  But
• 4:02
  is
• 4:02
  it
• 4:02
  exhaustion?
• 4:04
  Maybe
• 4:04
  it's
• 4:05
  conflict.
• 4:06
  Maybe
• 4:06
  you're
• 4:07
  in
• 4:07
  a
• 4:07
  battle
• 4:07
  with
• 4:07
  your
• 4:08
  spouse
• 4:08
  or
• 4:08
  somebody
• 4:09
  at
• 4:09
  work
• 4:09
  and
• 4:09
  you're
• 4:09
  just
• 4:10
  like,
• 4:10
  I
• 4:10
  gotta
• 4:10
  escape
• 4:11
  from
• 4:11
  this.
• 4:12
  I
• 4:12
  think
• 4:12
  for
• 4:12
  a
• 4:13
  lot
• 4:13
  of
• 4:13
  us
• 4:13
  it's
• 4:13
  loneliness.
• 4:15
  Just
• 4:15
  want
• 4:15
  something
• 4:16
  to
• 4:16
  soothe
• 4:17
  us.
• 4:18
  Or
• 4:18
  maybe
• 4:19
  like
• 4:19
  me
• 4:19
  during
• 4:19
  tax
• 4:19
  season,
• 4:20
  it's
• 4:21
  just
• 4:21
  a
• 4:21
  state
• 4:21
  of
• 4:21
  being
• 4:22
  overworked.
• 4:23
  Because
• 4:24
  what
• 4:24
  I
• 4:24
  have
• 4:24
  found,
• 4:25
  and
• 4:25
  I
• 4:25
  think
• 4:25
  a
• 4:25
  lot
• 4:25
  of
• 4:26
  people
• 4:26
  would
• 4:26
  agree
• 4:26
  with
• 4:26
  me
• 4:26
  here,
• 4:27
  spending
• 4:27
  is
• 4:28
  often
• 4:28
  this
• 4:28
  self
• 4:29
  soothing
• 4:30
  thing.
• 4:31
  But
• 4:31
  once
• 4:32
  you
• 4:32
  name
• 4:32
  that
• 4:32
  trigger,
• 4:33
  you
• 4:33
  can
• 4:33
  treat
• 4:33
  the
• 4:34
  cause
• 4:34
  of
• 4:34
  it,
• 4:35
  not
• 4:35
  just
• 4:35
  the
• 4:36
  symptom.
• 4:37
  Now
• 4:37
  we've
• 4:38
  talked
• 4:38
  about
• 4:38
  how
• 4:38
  to
• 4:38
  find
• 4:39
  it.
• 4:40
  Now
• 4:40
  I
• 4:40
  want
• 4:40
  to
• 4:40
  encourage
• 4:40
  you
• 4:41
  to
• 4:41
  really
• 4:41
  build
• 4:41
  what
• 4:41
  I
• 4:41
  call
• 4:42
  a
• 4:42
  stress
• 4:42
  menu.
• 4:44
  Kind
• 4:44
  of
• 4:44
  like
• 4:44
  when
• 4:44
  you
• 4:44
  go
• 4:44
  to
• 4:44
  a
• 4:45
  restaurant,
• 4:46
  you
• 4:46
  need
• 4:46
  to
• 4:46
  have
• 4:46
  some
• 4:46
  options
• 4:48
  and
• 4:48
  in
• 4:48
  this
• 4:48
  case
• 4:49
  you've
• 4:49
  got
• 4:49
  to
• 4:49
  have
• 4:49
  some
• 4:49
  replacements
• 4:50
  ready,
• 4:51
  not
• 4:51
  some
• 4:51
  vague
• 4:52
  ideas.
• 4:52
  Oh,
• 4:53
  Ralph
• 4:53
  gave
• 4:53
  me
• 4:53
  some
• 4:53
  vague
• 4:54
  ideas.
• 4:54
  Some
• 4:54
  pie
• 4:54
  in
• 4:55
  the
• 4:55
  sky
• 4:55
  things.
• 4:55
  No,
• 4:55
  I'm
• 4:56
  talking
• 4:56
  about
• 4:56
  a
• 4:57
  written
• 4:57
  list.
• 4:58
  And
• 4:58
  when
• 4:59
  you're
• 4:59
  feeling
• 4:59
  that
• 5:00
  pressure,
• 5:00
  when
• 5:01
  you're
• 5:01
  feeling
• 5:01
  that
• 5:01
  anxiety,
• 5:02
  that
• 5:03
  overwhelm
• 5:03
  or
• 5:04
  that
• 5:04
  loneliness,
• 5:05
  what
• 5:05
  are
• 5:06
  your
• 5:06
  go
• 5:06
  to
• 5:06
  things?
• 5:07
  Maybe
• 5:08
  for
• 5:08
  you
• 5:08
  it's
• 5:08
  a
• 5:08
  10
• 5:09
  minute
• 5:09
  walk
• 5:09
  outside.
• 5:09
  I
• 5:10
  find
• 5:10
  that
• 5:10
  to
• 5:10
  be
• 5:10
  a
• 5:10
  great
• 5:11
  way
• 5:11
  to
• 5:11
  do
• 5:11
  it.
• 5:12
  Maybe
• 5:12
  call
• 5:13
  a
• 5:13
  friend.
• 5:13
  Now
• 5:13
  listen,
• 5:13
  don't
• 5:13
  call
• 5:14
  a
• 5:14
  friend
• 5:14
  to
• 5:14
  commiserate
• 5:15
  about
• 5:15
  what
• 5:15
  you're
• 5:15
  going
• 5:15
  to
• 5:15
  buy,
• 5:16
  but
• 5:16
  maybe
• 5:16
  call
• 5:17
  a
• 5:17
  friend
• 5:17
  and
• 5:17
  say,
• 5:17
  hey,
• 5:17
  I'm
• 5:18
  just
• 5:18
  having
• 5:18
  a
• 5:18
  rough
• 5:18
  day.
• 5:20
  Maybe
• 5:20
  go
• 5:20
  take
• 5:20
  a
• 5:21
  hot
• 5:21
  shower
• 5:21
  or
• 5:21
  maybe
• 5:22
  a
• 5:22
  cold
• 5:22
  shower
• 5:22
  just
• 5:23
  to
• 5:23
  reset
• 5:23
  your
• 5:23
  body,
• 5:25
  journal
• 5:25
  what
• 5:26
  you're
• 5:26
  feeling.
• 5:26
  I
• 5:26
  think
• 5:27
  journaling
• 5:27
  is
• 5:27
  sometimes
• 5:28
  overlooked
• 5:29
  these
• 5:29
  days.
• 5:30
  You
• 5:30
  may
• 5:30
  even
• 5:30
  do
• 5:30
  a
• 5:31
  recorded
• 5:31
  journal.
• 5:32
  There's
• 5:32
  a
• 5:32
  podcast
• 5:33
  in
• 5:33
  there
• 5:33
  somewhere.
• 5:33
  Today's
• 5:34
  Ralph's
• 5:35
  daily
• 5:35
  Journal.
• 5:36
  One
• 5:36
  of
• 5:36
  the
• 5:37
  things
• 5:37
  I
• 5:37
  love
• 5:37
  to
• 5:37
  do
• 5:37
  is
• 5:37
  listen
• 5:38
  to
• 5:38
  worship
• 5:38
  music.
• 5:38
  And
• 5:39
  I've
• 5:39
  mentioned
• 5:39
  before
• 5:40
  on
• 5:40
  our
• 5:40
  other
• 5:40
  channel,
• 5:41
  Truth
• 5:41
  Unveiled
• 5:42
  with
• 5:42
  Rob,
• 5:42
  we've
• 5:43
  got,
• 5:43
  I
• 5:43
  think
• 5:43
  it's
• 5:43
  almost
• 5:44
  30
• 5:44
  worship
• 5:45
  songs.
• 5:45
  Now
• 5:45
  we'll
• 5:46
  put
• 5:46
  a
• 5:46
  link
• 5:46
  in
• 5:46
  the
• 5:46
  show,
• 5:46
  notes
• 5:47
  to
• 5:47
  that.
• 5:48
  But
• 5:48
  read
• 5:48
  one
• 5:49
  of
• 5:49
  the
• 5:49
  book
• 5:49
  of
• 5:49
  Psalms
• 5:51
  or
• 5:51
  maybe
• 5:51
  just
• 5:52
  sit
• 5:52
  outside
• 5:52
  for
• 5:53
  five
• 5:53
  minutes
• 5:54
  and
• 5:55
  just
• 5:55
  appreciate
• 5:56
  all
• 5:56
  that
• 5:56
  God
• 5:56
  has
• 5:57
  given
• 5:57
  us.
• 5:59
  But
• 5:59
  when
• 5:59
  that
• 5:59
  stress
• 6:00
  hits,
• 6:01
  when
• 6:01
  that
• 6:01
  anxiety
• 6:02
  feels
• 6:02
  like
• 6:02
  it's
• 6:02
  coming
• 6:03
  up
• 6:03
  to
• 6:03
  a
• 6:03
  boiling
• 6:04
  point,
• 6:04
  you
• 6:05
  go
• 6:05
  right
• 6:05
  to
• 6:05
  your
• 6:05
  menu
• 6:07
  because
• 6:07
  then
• 6:07
  you've
• 6:07
  prepared.
• 6:08
  And
• 6:08
  that
• 6:08
  preparation
• 6:09
  builds.
• 6:09
  Beats
• 6:10
  willpower
• 6:10
  every
• 6:11
  time.
• 6:12
  Now
• 6:12
  here's
• 6:12
  a
• 6:13
  real
• 6:13
  practical
• 6:13
  thing
• 6:13
  you
• 6:13
  can
• 6:14
  do.
• 6:14
  Make
• 6:15
  your
• 6:15
  credit
• 6:15
  card
• 6:15
  harder
• 6:16
  to
• 6:16
  reach.
• 6:17
  First
• 6:18
  thing.
• 6:18
  I've
• 6:18
  mentioned
• 6:18
  this
• 6:18
  on
• 6:18
  the
• 6:19
  show
• 6:19
  before.
• 6:19
  Remove
• 6:19
  stored
• 6:20
  payment
• 6:20
  methods
• 6:20
  from
• 6:21
  websites.
• 6:21
  Yes,
• 6:21
  I
• 6:22
  know
• 6:22
  it's
• 6:22
  a
• 6:22
  pain
• 6:23
  in
• 6:23
  the
• 6:23
  neck
• 6:23
  now,
• 6:24
  but
• 6:24
  it's
• 6:25
  so
• 6:25
  much
• 6:25
  simpler
• 6:26
  not
• 6:26
  to
• 6:26
  spend.
• 6:26
  If
• 6:27
  you
• 6:27
  got
• 6:27
  to
• 6:27
  go
• 6:27
  find
• 6:27
  your
• 6:28
  credit
• 6:28
  card,
• 6:28
  take
• 6:29
  that
• 6:29
  credit
• 6:29
  card
• 6:29
  out
• 6:29
  of
• 6:29
  your
• 6:30
  wallet.
• 6:31
  Now
• 6:31
  here's
• 6:31
  a
• 6:32
  really
• 6:32
  cool
• 6:32
  idea.
• 6:34
  Freeze
• 6:34
  that
• 6:34
  credit
• 6:34
  card
• 6:35
  in
• 6:35
  a
• 6:35
  container
• 6:35
  of
• 6:36
  water
• 6:36
  if
• 6:36
  you
• 6:36
  need
• 6:37
  to.
• 6:37
  Yes,
• 6:38
  put
• 6:38
  it
• 6:38
  in
• 6:38
  a
• 6:38
  container
• 6:39
  of
• 6:39
  water
• 6:39
  and
• 6:39
  put
• 6:39
  it
• 6:40
  in
• 6:40
  a
• 6:40
  freezer.
• 6:41
  Talking
• 6:42
  about
• 6:42
  a
• 6:42
  cool
• 6:42
  idea,
• 6:43
  but
• 6:43
  it
• 6:43
  works.
• 6:44
  What
• 6:44
  you're
• 6:45
  really
• 6:45
  doing
• 6:45
  here
• 6:45
  is
• 6:46
  you're
• 6:46
  creating
• 6:46
  friction.
• 6:48
  And
• 6:48
  friction
• 6:49
  reduces
• 6:49
  that
• 6:50
  impulse
• 6:51
  because
• 6:51
  impulse
• 6:52
  thrives
• 6:52
  on
• 6:53
  convenience.
• 6:53
  So
• 6:53
  we've
• 6:54
  got
• 6:54
  to
• 6:54
  make
• 6:54
  it
• 6:54
  inconvenient.
• 6:56
  But
• 6:57
  also
• 6:57
  you
• 6:57
  got
• 6:57
  to
• 6:57
  do
• 6:58
  this.
• 6:59
  Add
• 6:59
  a
• 6:59
  small
• 6:59
  planned
• 7:00
  relief
• 7:00
  category
• 7:02
  because
• 7:03
  if
• 7:03
  you
• 7:03
  never
• 7:03
  allow
• 7:04
  enjoyment,
• 7:05
  you're
• 7:06
  going
• 7:06
  to
• 7:06
  eventually
• 7:06
  explode
• 7:07
  financially.
• 7:08
  So
• 7:09
  build
• 7:09
  a
• 7:09
  small
• 7:09
  amount
• 7:10
  of
• 7:10
  for
• 7:10
  guilt
• 7:11
  free
• 7:11
  treats.
• 7:12
  My
• 7:12
  wife
• 7:12
  and
• 7:12
  I
• 7:13
  went
• 7:13
  out
• 7:13
  for
• 7:13
  dinner
• 7:13
  last
• 7:13
  night
• 7:14
  and
• 7:14
  I've
• 7:14
  really
• 7:14
  been
• 7:15
  focused
• 7:15
  on
• 7:15
  my
• 7:15
  health.
• 7:16
  And
• 7:16
  we
• 7:16
  got
• 7:16
  to
• 7:17
  the
• 7:17
  end
• 7:17
  of
• 7:17
  dinner,
• 7:17
  she
• 7:17
  says
• 7:18
  we
• 7:18
  should
• 7:18
  treat
• 7:18
  ourselves
• 7:18
  to
• 7:19
  a
• 7:19
  dessert.
• 7:20
  So
• 7:20
  we
• 7:20
  did.
• 7:20
  We
• 7:21
  shared
• 7:21
  one.
• 7:21
  I
• 7:21
  took
• 7:21
  about
• 7:22
  a
• 7:22
  quarter
• 7:22
  of
• 7:22
  it.
• 7:23
  But
• 7:23
  if
• 7:23
  you
• 7:23
  got
• 7:24
  to
• 7:24
  build
• 7:24
  those
• 7:24
  things
• 7:24
  in.
• 7:25
  So
• 7:25
  maybe
• 7:25
  coffee's
• 7:26
  yours
• 7:26
  or
• 7:26
  a
• 7:27
  book
• 7:27
  or
• 7:27
  maybe
• 7:27
  a
• 7:27
  dinner
• 7:28
  out.
• 7:29
  That
• 7:29
  plan
• 7:30
  relief
• 7:30
  prevents
• 7:31
  panic
• 7:32
  spending.
• 7:32
  Say
• 7:32
  that
• 7:33
  10
• 7:33
  times
• 7:33
  over.
• 7:33
  A
• 7:33
  lot
• 7:33
  of
• 7:34
  peas
• 7:34
  there.
• 7:35
  But
• 7:35
  that
• 7:35
  plan
• 7:35
  relief
• 7:36
  prevents
• 7:36
  that
• 7:37
  panic
• 7:37
  spending.
• 7:39
  In
• 7:39
  the
• 7:39
  end,
• 7:40
  relief
• 7:41
  doesn't
• 7:41
  have
• 7:41
  to
• 7:42
  cost
• 7:42
  interest.
• 7:44
  So
• 7:44
  here's
• 7:44
  your
• 7:44
  win
• 7:45
  for
• 7:45
  today.
• 7:45
  I
• 7:46
  want
• 7:46
  to
• 7:46
  encourage
• 7:46
  you
• 7:46
  to
• 7:47
  write
• 7:47
  your
• 7:47
  stress
• 7:47
  menu,
• 7:49
  find
• 7:49
  five
• 7:49
  healthy
• 7:50
  alternatives
• 7:51
  and
• 7:51
  keep
• 7:51
  it
• 7:51
  in
• 7:51
  your
• 7:51
  phone
• 7:52
  or
• 7:52
  put
• 7:52
  it
• 7:52
  where
• 7:53
  you're
• 7:53
  going
• 7:53
  to
• 7:53
  see
• 7:53
  it.
• 7:53
  And
• 7:53
  when
• 7:54
  that
• 7:54
  urge
• 7:54
  hits,
• 7:55
  and
• 7:55
  trust
• 7:56
  me,
• 7:56
  life
• 7:57
  is
• 7:57
  not
• 7:57
  a
• 7:57
  spectator
• 7:58
  sport,
• 7:58
  the
• 7:58
  urge
• 7:59
  is
• 7:59
  going
• 7:59
  to
• 7:59
  hit.
• 8:00
  You
• 8:00
  don't
• 8:01
  have
• 8:01
  to
• 8:01
  think
• 8:01
  anymore.
• 8:02
  You
• 8:02
  just
• 8:02
  go,
• 8:02
  let
• 8:03
  me
• 8:03
  go
• 8:03
  to
• 8:03
  the
• 8:03
  menu.
• 8:04
  And
• 8:04
  then
• 8:05
  you
• 8:05
  choose
• 8:05
  what
• 8:05
  works
• 8:05
  for
• 8:06
  you.
• 8:07
  Let's
• 8:07
  get
• 8:07
  right
• 8:08
  to
• 8:08
  God's
• 8:08
  word.
• 8:08
  Today
• 8:08
  we're
• 8:09
  going
• 8:09
  to
• 8:09
  go
• 8:09
  right
• 8:09
  to
• 8:09
  Proverbs,
• 8:10
  chapter
• 8:11
  25,
• 8:11
  verse
• 8:12
  28.
• 8:13
  And
• 8:13
  it
• 8:13
  says,
• 8:13
  like
• 8:14
  a
• 8:14
  city
• 8:14
  whose
• 8:14
  walls
• 8:15
  are
• 8:15
  broken
• 8:15
  through
• 8:16
  is
• 8:16
  a
• 8:16
  person
• 8:17
  who
• 8:17
  lacks
• 8:17
  self
• 8:18
  control.
• 8:20
  It's
• 8:20
  pretty
• 8:20
  blunt,
• 8:22
  but
• 8:22
  the
• 8:22
  truth
• 8:23
  is
• 8:23
  self
• 8:23
  control
• 8:23
  builds
• 8:24
  protective
• 8:24
  walls
• 8:25
  that
• 8:25
  guard
• 8:25
  your
• 8:26
  peace
• 8:26
  and
• 8:27
  your
• 8:27
  finances.
• 8:28
  And
• 8:28
  that's
• 8:29
  what
• 8:29
  we
• 8:29
  really
• 8:29
  have
• 8:29
  to
• 8:30
  focus
• 8:30
  in
• 8:30
  on
• 8:30
  today.
• 8:31
  Why
• 8:31
  don't
• 8:32
  we
• 8:32
  pray
• 8:32
  together,
• 8:34
  Lord,
• 8:34
  you
• 8:34
  see
• 8:34
  the
• 8:34
  stress
• 8:35
  that
• 8:35
  my
• 8:35
  friend
• 8:35
  carries
• 8:36
  right
• 8:36
  now.
• 8:37
  You
• 8:38
  see
• 8:38
  the
• 8:38
  moments
• 8:39
  that
• 8:39
  they're
• 8:39
  reaching
• 8:39
  for
• 8:40
  relief.
• 8:41
  So
• 8:41
  we
• 8:42
  just
• 8:42
  ask
• 8:42
  that
• 8:42
  you
• 8:43
  would
• 8:43
  help
• 8:43
  them.
• 8:43
  Pause
• 8:44
  right
• 8:44
  now,
• 8:44
  Lord.
• 8:45
  Help
• 8:45
  them
• 8:45
  to
• 8:46
  breathe,
• 8:47
  help
• 8:47
  them
• 8:47
  to
• 8:47
  choose
• 8:48
  wisdom
• 8:48
  over
• 8:49
  impulse,
• 8:50
  strengthen
• 8:51
  their
• 8:51
  self
• 8:52
  control
• 8:52
  and
• 8:52
  calm
• 8:53
  their
• 8:53
  nervous
• 8:53
  system.
• 8:55
  And
• 8:55
  remind
• 8:55
  them
• 8:56
  always
• 8:56
  that
• 8:56
  you
• 8:57
  are
• 8:57
  the
• 8:57
  refuge,
• 8:58
  not
• 8:58
  that
• 8:59
  shopping
• 8:59
  cart.
• 9:00
  We
• 9:00
  ask
• 9:00
  that
• 9:01
  you
• 9:01
  would
• 9:01
  help
• 9:01
  us
• 9:01
  to
• 9:01
  break
• 9:02
  that
• 9:02
  cycle,
• 9:03
  restore
• 9:03
  their
• 9:03
  peace
• 9:04
  and
• 9:05
  guide
• 9:05
  their
• 9:05
  decisions
• 9:06
  towards
• 9:06
  freedom.
• 9:08
  And
• 9:08
  we
• 9:08
  ask
• 9:08
  this
• 9:09
  in
• 9:09
  Jesus
• 9:09
  name.
• 9:11
  Amen,
• 9:13
  friend.
• 9:13
  You're
• 9:13
  not
• 9:14
  weak,
• 9:15
  you're
• 9:15
  just
• 9:15
  learning
• 9:16
  a
• 9:16
  new
• 9:16
  way
• 9:16
  to
• 9:16
  cope.
• 9:18
  And
• 9:18
  breaking
• 9:18
  the
• 9:18
  stress
• 9:19
  stranding
• 9:19
  cycle
• 9:20
  starts
• 9:20
  with
• 9:20
  honesty.
• 9:21
  You
• 9:21
  gotta
• 9:21
  be
• 9:21
  honest
• 9:21
  with
• 9:22
  yourself.
• 9:23
  So
• 9:23
  if
• 9:24
  this
• 9:24
  episode
• 9:24
  hit
• 9:24
  home
• 9:25
  for
• 9:25
  you,
• 9:25
  I'd
• 9:25
  love
• 9:25
  to
• 9:26
  hear
• 9:26
  your
• 9:26
  story
• 9:27
  or
• 9:27
  tell
• 9:27
  me
• 9:27
  about
• 9:28
  the
• 9:28
  next
• 9:28
  step
• 9:28
  you're
• 9:28
  taking.
• 9:29
  What
• 9:29
  are
• 9:29
  some
• 9:29
  of
• 9:29
  those
• 9:29
  stress
• 9:30
  reliever
• 9:30
  menu
• 9:31
  items
• 9:31
  that
• 9:31
  you
• 9:31
  have?
• 9:32
  You
• 9:32
  can
• 9:33
  go
• 9:33
  right
• 9:33
  to
• 9:33
  our
• 9:33
  website
• 9:34
  at
• 9:34
  Financiallyconfidentchristian.com/voicemail
• 9:39
  I'll
• 9:39
  put
• 9:39
  a
• 9:39
  link
• 9:39
  in
• 9:39
  the
• 9:39
  show
• 9:40
  notes,
• 9:40
  you
• 9:40
  can
• 9:40
  click
• 9:40
  right
• 9:40
  on
• 9:41
  it.
• 9:41
  But
• 9:41
  I
• 9:41
  would
• 9:41
  love
• 9:41
  to
• 9:41
  hear
• 9:42
  how
• 9:42
  this
• 9:42
  show
• 9:42
  is
• 9:43
  impacting
• 9:43
  you.
• 9:43
  If
• 9:43
  you've
• 9:44
  got
• 9:44
  some
• 9:44
  ideas
• 9:44
  of
• 9:45
  how
• 9:45
  to
• 9:45
  get
• 9:45
  past
• 9:45
  this,
• 9:46
  go
• 9:46
  to
• 9:47
  financiallyconfidentchristian.com/voicemail
• 9:52
  I
• 9:52
  just
• 9:52
  want
• 9:52
  to
• 9:52
  thank
• 9:52
  you
• 9:53
  for
• 9:53
  joining
• 9:53
  me
• 9:53
  today.
• 9:54
  As
• 9:54
  always,
• 9:54
  stay
• 9:55
  financially
• 9:55
  savvy.
• 9:56
  May
• 9:56
  God
• 9:57
  bless
• 9:57
  you
• 9:57
  and
• 9:58
  you
• 9:58
  have
• 9:58
  a
• 9:58
  truly
• 9:59
  great
• 9:59
  day
• 9:59
  today.