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How Can I Help Others Without Hurting Myself? · Becoming Financially Confident

• 0:37
  Today
• 0:37
  I
• 0:38
  want
• 0:38
  to
• 0:38
  talk
• 0:38
  about
• 0:38
  a
• 0:38
  common
• 0:39
  problem
• 0:39
  among
• 0:39
  so
• 0:40
  many
• 0:40
  parents.
• 0:40
  I
• 0:40
  got
• 0:40
  this
• 0:41
  listener
• 0:41
  question.
• 0:41
  This
• 0:42
  really
• 0:42
  just
• 0:42
  hit
• 0:42
  home
• 0:42
  for
• 0:43
  me,
• 0:43
  said
• 0:43
  Ralph.
• 0:44
  I
• 0:44
  really
• 0:44
  want
• 0:44
  to
• 0:44
  help
• 0:45
  people
• 0:45
  during
• 0:45
  the
• 0:45
  holidays,
• 0:46
  but
• 0:47
  sometimes
• 0:47
  I
• 0:47
  end
• 0:47
  up
• 0:47
  giving
• 0:48
  more
• 0:48
  than
• 0:48
  I
• 0:48
  can
• 0:48
  afford.
• 0:49
  And
• 0:49
  here's
• 0:49
  the
• 0:50
  big
• 0:50
  question
• 0:50
  for
• 0:50
  today.
• 0:51
  How
• 0:51
  can
• 0:51
  I
• 0:51
  be
• 0:52
  generous
• 0:52
  without
• 0:52
  putting
• 0:53
  myself
• 0:53
  in
• 0:53
  a
• 0:54
  bad
• 0:54
  spot?
• 0:55
  I
• 0:55
  thought
• 0:55
  when
• 0:55
  I
• 0:55
  got
• 0:56
  this
• 0:56
  message,
• 0:56
  man,
• 0:56
  I've
• 0:57
  been
• 0:57
  there.
• 0:58
  And
• 0:58
  maybe
• 0:58
  you're
• 0:58
  a
• 0:58
  parent,
• 0:59
  maybe
• 0:59
  just
• 0:59
  somebody
• 0:59
  likes
• 1:00
  to
• 1:00
  be
• 1:00
  generous.
• 1:01
  Abby's
• 1:01
  nodding
• 1:01
  her
• 1:02
  head
• 1:02
  right
• 1:02
  now.
• 1:02
  Abby's
• 1:02
  my
• 1:03
  producer.
• 1:03
  I
• 1:03
  mentioned
• 1:03
  her
• 1:03
  on
• 1:04
  the
• 1:04
  show.
• 1:04
  But
• 1:05
  we
• 1:05
  all
• 1:05
  feel
• 1:05
  this
• 1:05
  at
• 1:05
  times,
• 1:06
  especially
• 1:07
  moms.
• 1:07
  I
• 1:07
  think
• 1:08
  moms
• 1:08
  really
• 1:08
  embrace
• 1:09
  this
• 1:09
  one.
• 1:09
  They
• 1:09
  just
• 1:09
  want
• 1:10
  this
• 1:10
  holidays
• 1:10
  to
• 1:11
  be
• 1:11
  special.
• 1:11
  I
• 1:11
  can
• 1:11
  remember
• 1:12
  my
• 1:12
  own
• 1:12
  mother,
• 1:13
  she
• 1:13
  really
• 1:13
  wanted
• 1:14
  to
• 1:14
  be
• 1:14
  special
• 1:14
  for
• 1:15
  us
• 1:15
  kids.
• 1:15
  And
• 1:15
  I
• 1:15
  remember
• 1:16
  my
• 1:16
  mom
• 1:16
  would
• 1:16
  stretch
• 1:17
  that
• 1:17
  budget.
• 1:17
  I
• 1:17
  tell
• 1:17
  you
• 1:18
  what,
• 1:18
  it
• 1:18
  was
• 1:18
  like
• 1:18
  a
• 1:19
  rubber
• 1:19
  band
• 1:19
  was
• 1:19
  about
• 1:19
  ready
• 1:20
  to
• 1:20
  break.
• 1:20
  She
• 1:21
  would
• 1:21
  take
• 1:21
  on
• 1:21
  extra
• 1:22
  work,
• 1:22
  she
• 1:22
  would
• 1:22
  overspend
• 1:23
  because
• 1:24
  she
• 1:24
  had
• 1:24
  this
• 1:24
  view.
• 1:24
  She
• 1:25
  needed
• 1:25
  to
• 1:25
  make
• 1:25
  it
• 1:25
  magical.
• 1:26
  But
• 1:27
  in
• 1:27
  the
• 1:27
  end,
• 1:28
  it
• 1:28
  just
• 1:28
  created
• 1:29
  pressure
• 1:29
  and
• 1:30
  it
• 1:30
  created
• 1:30
  a
• 1:30
  financial
• 1:31
  strain.
• 1:32
  And
• 1:33
  listen,
• 1:33
  when
• 1:33
  I'm
• 1:33
  being
• 1:33
  honest
• 1:34
  with
• 1:34
  myself,
• 1:34
  and
• 1:34
  maybe
• 1:35
  you're
• 1:35
  thinking
• 1:35
  the
• 1:35
  same
• 1:35
  thing
• 1:35
  too,
• 1:36
  it
• 1:36
  leads
• 1:36
  to
• 1:36
  stress,
• 1:37
  it
• 1:37
  leads
• 1:37
  to
• 1:37
  guilt.
• 1:38
  Hey,
• 1:38
  it
• 1:38
  leads
• 1:39
  to
• 1:39
  tension
• 1:39
  at
• 1:39
  home.
• 1:40
  And
• 1:40
  listen,
• 1:41
  generosity
• 1:41
  is
• 1:41
  beautiful.
• 1:42
  It's
• 1:42
  a
• 1:42
  wonderful
• 1:42
  thing.
• 1:43
  God
• 1:43
  has
• 1:43
  given
• 1:43
  us
• 1:44
  the
• 1:44
  desire
• 1:45
  to
• 1:45
  be
• 1:45
  generous.
• 1:46
  But
• 1:46
  if
• 1:47
  it
• 1:47
  becomes
• 1:47
  a
• 1:47
  burden
• 1:48
  and
• 1:49
  when
• 1:49
  it's
• 1:49
  driven
• 1:49
  by
• 1:49
  guilt
• 1:50
  instead
• 1:50
  of
• 1:50
  grace,
• 1:50
  we
• 1:51
  got
• 1:51
  a
• 1:51
  problem.
• 1:51
  That's
• 1:51
  exactly
• 1:52
  what
• 1:52
  I'm
• 1:52
  going
• 1:52
  to
• 1:52
  talk
• 1:52
  about
• 1:52
  on
• 1:52
  today's
• 1:53
  show.
• 1:54
  This
• 1:54
  is
• 1:55
  Financially
• 1:55
  Confident
• 1:56
  Christian,
• 1:56
  your
• 1:57
  daily
• 1:57
  dose
• 1:57
  of
• 1:58
  gospel,
• 1:58
  grounded
• 1:58
  insight
• 1:59
  and
• 1:59
  faith
• 1:59
  driven
• 2:00
  tips
• 2:00
  to
• 2:01
  help
• 2:01
  you
• 2:01
  break
• 2:01
  the
• 2:01
  cycle
• 2:02
  of
• 2:02
  financial
• 2:02
  shame
• 2:03
  with
• 2:03
  confidence.
• 2:06
  Welcome
• 2:06
  to
• 2:07
  the
• 2:07
  show.
• 2:07
  I'm
• 2:07
  Ralph.
• 2:08
  My
• 2:08
  daily
• 2:08
  goal
• 2:09
  is
• 2:09
  to
• 2:09
  help
• 2:09
  you
• 2:09
  break
• 2:09
  that
• 2:10
  cycle
• 2:10
  of
• 2:10
  financial
• 2:10
  shame
• 2:11
  and
• 2:11
  do
• 2:11
  it
• 2:11
  with
• 2:11
  confidence.
• 2:12
  And
• 2:12
  we're
• 2:12
  continuing
• 2:12
  our
• 2:12
  series
• 2:13
  of
• 2:13
  enjoying
• 2:14
  the
• 2:14
  holidays,
• 2:15
  finding
• 2:15
  joy
• 2:15
  without
• 2:16
  going
• 2:16
  broke.
• 2:17
  And
• 2:17
  I
• 2:17
  think
• 2:18
  about
• 2:18
  as
• 2:18
  I
• 2:18
  was
• 2:18
  preparing
• 2:19
  for
• 2:19
  today's
• 2:19
  show,
• 2:20
  I've
• 2:20
  seen
• 2:20
  so
• 2:21
  many
• 2:21
  friends
• 2:21
  and
• 2:21
  family
• 2:22
  members
• 2:22
  struggle
• 2:23
  with
• 2:23
  this
• 2:23
  tension.
• 2:24
  It's
• 2:24
  that
• 2:25
  constant
• 2:25
  tension
• 2:25
  between
• 2:26
  compassion
• 2:26
  and.
• 2:27
  And
• 2:27
  financial
• 2:27
  responsibility.
• 2:28
  Hey,
• 2:28
  it's
• 2:28
  like
• 2:28
  we
• 2:29
  got
• 2:29
  to
• 2:29
  be
• 2:29
  adults
• 2:29
  now,
• 2:30
  right?
• 2:30
  And
• 2:30
  I've
• 2:31
  had
• 2:31
  to
• 2:31
  learn
• 2:31
  that
• 2:31
  lesson
• 2:31
  myself.
• 2:33
  And
• 2:33
  here's
• 2:33
  the
• 2:33
  thing
• 2:33
  I
• 2:34
  want
• 2:34
  you
• 2:34
  to
• 2:34
  just
• 2:34
  paint
• 2:35
  right
• 2:35
  now.
• 2:35
  You
• 2:35
  can't
• 2:36
  help
• 2:36
  others
• 2:36
  by
• 2:37
  hurting
• 2:37
  your
• 2:37
  own
• 2:38
  household.
• 2:38
  I
• 2:39
  want
• 2:39
  to
• 2:39
  say
• 2:39
  that
• 2:39
  again
• 2:39
  because
• 2:40
  it's
• 2:40
  so
• 2:40
  critical
• 2:40
  that
• 2:40
  we
• 2:41
  understand
• 2:41
  it.
• 2:41
  You
• 2:41
  will
• 2:42
  never
• 2:42
  help
• 2:42
  others
• 2:43
  by
• 2:43
  hurting
• 2:44
  yourself.
• 2:45
  I'm
• 2:45
  going
• 2:45
  to
• 2:45
  tell
• 2:46
  you
• 2:46
  a
• 2:46
  story
• 2:46
  about
• 2:46
  my
• 2:46
  father.
• 2:47
  Now.
• 2:47
  He
• 2:47
  since
• 2:47
  passed
• 2:47
  away.
• 2:48
  I
• 2:48
  mentioned
• 2:48
  his
• 2:48
  soup
• 2:49
  the
• 2:49
  other
• 2:49
  Day
• 2:49
  if
• 2:49
  you
• 2:49
  missed
• 2:49
  that
• 2:49
  show.
• 2:50
  We
• 2:50
  talked
• 2:50
  about
• 2:50
  seafood
• 2:51
  soup.
• 2:51
  But
• 2:52
  my
• 2:52
  father
• 2:53
  in
• 2:53
  law,
• 2:53
  man,
• 2:53
  he
• 2:54
  thought
• 2:54
  he
• 2:54
  was
• 2:54
  Santa
• 2:55
  Claus,
• 2:56
  Papa,
• 2:56
  Noel,
• 2:56
  whatever
• 2:57
  you
• 2:57
  call
• 2:57
  it
• 2:57
  in
• 2:57
  your
• 2:57
  culture.
• 2:58
  And
• 2:58
  here's
• 2:59
  what
• 2:59
  he
• 2:59
  would
• 2:59
  do
• 2:59
  Every
• 2:59
  year
• 3:00
  he
• 3:00
  would
• 3:00
  bank
• 3:01
  all
• 3:01
  of
• 3:01
  his
• 3:01
  holiday,
• 3:02
  his
• 3:02
  sick
• 3:02
  time.
• 3:03
  All
• 3:03
  year
• 3:03
  long
• 3:03
  he
• 3:03
  worked
• 3:03
  at
• 3:04
  a
• 3:04
  law
• 3:04
  firm.
• 3:04
  And
• 3:05
  what
• 3:05
  they
• 3:05
  did
• 3:05
  is
• 3:05
  that
• 3:06
  in
• 3:06
  December
• 3:06
  they
• 3:07
  would
• 3:07
  give
• 3:07
  you
• 3:07
  whatever
• 3:08
  you
• 3:08
  hadn't
• 3:09
  used
• 3:09
  for
• 3:09
  sick
• 3:09
  time
• 3:10
  or
• 3:10
  vacation
• 3:10
  time
• 3:11
  or
• 3:11
  whatever
• 3:11
  those
• 3:11
  things
• 3:11
  are.
• 3:12
  And
• 3:12
  he
• 3:13
  would
• 3:13
  bank
• 3:13
  that
• 3:13
  up
• 3:13
  so
• 3:14
  he
• 3:14
  would
• 3:14
  get
• 3:14
  this
• 3:14
  huge
• 3:14
  bonus
• 3:15
  about
• 3:15
  the
• 3:16
  beginning
• 3:16
  of
• 3:16
  December.
• 3:17
  Well,
• 3:17
  that's
• 3:17
  what
• 3:17
  he
• 3:17
  wanted
• 3:18
  to
• 3:18
  do.
• 3:18
  I
• 3:18
  get
• 3:18
  it.
• 3:18
  I
• 3:19
  embraced
• 3:19
  it.
• 3:19
  He
• 3:19
  was
• 3:19
  a
• 3:20
  generous
• 3:20
  guy
• 3:21
  and
• 3:21
  he
• 3:22
  would
• 3:22
  just
• 3:22
  give
• 3:22
  away
• 3:22
  like
• 3:23
  Santa
• 3:23
  Claus.
• 3:23
  I
• 3:23
  mean,
• 3:23
  he
• 3:24
  had
• 3:24
  barrels
• 3:25
  of
• 3:25
  stuff.
• 3:25
  I'm
• 3:25
  talking
• 3:25
  about
• 3:26
  everybody
• 3:26
  got
• 3:26
  a
• 3:27
  gift.
• 3:28
  But
• 3:28
  the
• 3:28
  problem
• 3:28
  is,
• 3:28
  when
• 3:29
  I
• 3:29
  look
• 3:29
  back
• 3:29
  at
• 3:29
  it
• 3:29
  now
• 3:29
  with
• 3:30
  clarity,
• 3:31
  he
• 3:31
  ended
• 3:31
  up
• 3:31
  hosting
• 3:32
  himself
• 3:32
  so
• 3:32
  much.
• 3:33
  He
• 3:33
  didn't
• 3:33
  have
• 3:33
  any
• 3:33
  savings.
• 3:34
  He
• 3:34
  wasn't
• 3:35
  really
• 3:35
  doing
• 3:35
  a
• 3:35
  good
• 3:35
  job
• 3:36
  with
• 3:36
  his
• 3:36
  retirement
• 3:36
  preparation.
• 3:37
  And
• 3:37
  unfortunately
• 3:38
  his
• 3:39
  house
• 3:39
  was
• 3:39
  just
• 3:40
  falling
• 3:40
  apart.
• 3:40
  He
• 3:41
  had
• 3:41
  all
• 3:41
  this
• 3:41
  money
• 3:42
  going
• 3:42
  into
• 3:42
  gifts
• 3:42
  and
• 3:42
  people
• 3:43
  loved
• 3:43
  him.
• 3:43
  He
• 3:43
  was
• 3:44
  Santa
• 3:44
  Claus.
• 3:45
  But
• 3:46
  he
• 3:46
  wasn't
• 3:46
  taking
• 3:46
  care
• 3:46
  of
• 3:47
  himself.
• 3:47
  Which
• 3:47
  leads
• 3:47
  me
• 3:47
  to
• 3:47
  this
• 3:48
  quote
• 3:48
  from
• 3:48
  Dave
• 3:48
  Ramsey.
• 3:49
  And
• 3:49
  Dave
• 3:49
  Ramsey
• 3:49
  said
• 3:50
  this.
• 3:50
  He
• 3:50
  said,
• 3:50
  you
• 3:50
  can't
• 3:51
  pour
• 3:51
  from
• 3:51
  an
• 3:51
  empty
• 3:52
  cup.
• 3:53
  Get
• 3:53
  your
• 3:53
  own
• 3:53
  house
• 3:53
  in
• 3:53
  order
• 3:54
  so
• 3:54
  you
• 3:54
  can
• 3:54
  give
• 3:55
  freely.
• 3:55
  And
• 3:55
  I
• 3:55
  think
• 3:56
  that
• 3:56
  is
• 3:56
  some
• 3:56
  very
• 3:57
  wise
• 3:57
  and
• 3:58
  sage
• 3:58
  advice.
• 3:59
  So
• 3:59
  let's
• 4:00
  answer
• 4:00
  today's
• 4:00
  question.
• 4:01
  How
• 4:01
  can
• 4:01
  I
• 4:02
  be
• 4:02
  generous
• 4:02
  without
• 4:02
  putting
• 4:03
  myself
• 4:03
  in
• 4:03
  a
• 4:04
  bad
• 4:04
  spot?
• 4:05
  I
• 4:05
  really
• 4:05
  want
• 4:05
  to
• 4:05
  park
• 4:06
  here
• 4:06
  for
• 4:06
  a
• 4:06
  couple
• 4:06
  minutes
• 4:07
  because
• 4:07
  there
• 4:08
  are
• 4:08
  ways
• 4:08
  to
• 4:08
  do
• 4:08
  this
• 4:09
  in
• 4:09
  a
• 4:09
  wise
• 4:10
  way.
• 4:10
  First
• 4:10
  thing
• 4:10
  I'm
• 4:11
  going
• 4:11
  to
• 4:11
  encourage
• 4:11
  you
• 4:11
  to
• 4:11
  do
• 4:12
  is
• 4:12
  give
• 4:13
  from
• 4:13
  wisdom.
• 4:14
  You
• 4:14
  have
• 4:14
  to
• 4:14
  understand
• 4:14
  it.
• 4:15
  See,
• 4:15
  true
• 4:16
  generosity
• 4:18
  blesses
• 4:18
  both
• 4:18
  you
• 4:19
  and
• 4:19
  the
• 4:19
  person
• 4:20
  you're
• 4:20
  giving
• 4:20
  it
• 4:20
  to.
• 4:20
  If
• 4:20
  it's
• 4:21
  just
• 4:21
  costing
• 4:21
  you
• 4:22
  money,
• 4:22
  guess
• 4:23
  what?
• 4:23
  I
• 4:23
  don't
• 4:23
  know
• 4:23
  that
• 4:23
  that's
• 4:24
  true
• 4:24
  generosity.
• 4:25
  And
• 4:25
  when
• 4:26
  it
• 4:26
  hurts
• 4:26
  your
• 4:26
  stability,
• 4:26
  like
• 4:27
  my
• 4:27
  father
• 4:27
  in
• 4:27
  law,
• 4:27
  it
• 4:28
  was
• 4:28
  hurting
• 4:28
  his
• 4:28
  stability.
• 4:30
  When
• 4:30
  it
• 4:30
  hurts
• 4:30
  your
• 4:31
  stability,
• 4:31
  that's
• 4:32
  when
• 4:32
  it
• 4:32
  stops
• 4:32
  being
• 4:32
  wise
• 4:33
  because
• 4:33
  then
• 4:33
  you're
• 4:33
  putting
• 4:33
  yourself
• 4:33
  in
• 4:34
  jeopardy.
• 4:34
  So
• 4:35
  start
• 4:35
  there.
• 4:35
  Second
• 4:35
  thing
• 4:36
  I'm
• 4:36
  going
• 4:36
  to
• 4:36
  encourage
• 4:36
  you
• 4:36
  to
• 4:37
  do
• 4:37
  is
• 4:37
  pray
• 4:38
  about
• 4:38
  it.
• 4:39
  We
• 4:39
  talk
• 4:39
  a
• 4:39
  lot
• 4:39
  on
• 4:40
  this
• 4:40
  show
• 4:40
  about
• 4:40
  prayer
• 4:41
  because
• 4:41
  I
• 4:41
  think
• 4:41
  prayer
• 4:41
  is
• 4:42
  super
• 4:42
  powerful.
• 4:43
  But
• 4:43
  ask
• 4:44
  God,
• 4:45
  reach
• 4:46
  out
• 4:46
  to
• 4:46
  them
• 4:46
  and
• 4:46
  say,
• 4:46
  hey
• 4:46
  God,
• 4:47
  listen,
• 4:47
  how
• 4:48
  can
• 4:48
  I
• 4:48
  have
• 4:48
  the
• 4:48
  most
• 4:48
  lasting
• 4:49
  impact?
• 4:50
  Because
• 4:50
  it's
• 4:51
  not
• 4:51
  always
• 4:51
  money.
• 4:51
  A
• 4:52
  lot
• 4:52
  of
• 4:52
  people
• 4:52
  get
• 4:52
  stuck
• 4:52
  on
• 4:53
  that.
• 4:53
  Well,
• 4:53
  I
• 4:53
  got
• 4:53
  to
• 4:53
  spend
• 4:54
  this
• 4:54
  much
• 4:54
  on
• 4:54
  this
• 4:54
  person.
• 4:54
  I
• 4:55
  got
• 4:55
  to
• 4:55
  spend
• 4:55
  this.
• 4:55
  And
• 4:56
  we've
• 4:56
  talked
• 4:56
  about
• 4:56
  that
• 4:56
  on
• 4:56
  the
• 4:56
  show.
• 4:57
  We've
• 4:57
  talked
• 4:57
  about
• 4:57
  doing
• 4:58
  that
• 4:58
  list,
• 4:58
  we
• 4:58
  talked
• 4:59
  about
• 4:59
  putting
• 4:59
  the
• 4:59
  number
• 4:59
  next
• 5:00
  to
• 5:00
  them.
• 5:01
  But
• 5:01
  I'm
• 5:01
  going
• 5:01
  to
• 5:01
  tell
• 5:01
  you
• 5:01
  something
• 5:02
  right
• 5:02
  now.
• 5:03
  You
• 5:03
  can
• 5:03
  give
• 5:03
  your
• 5:04
  time,
• 5:04
  you
• 5:05
  can
• 5:05
  give
• 5:05
  your
• 5:05
  skills.
• 5:05
  Hey,
• 5:06
  creativity,
• 5:07
  all
• 5:07
  those
• 5:07
  things
• 5:08
  are
• 5:08
  just
• 5:09
  as
• 5:09
  valuable
• 5:10
  as
• 5:10
  money.
• 5:11
  Which
• 5:12
  leads
• 5:12
  me
• 5:12
  to
• 5:12
  this.
• 5:13
  Your
• 5:13
  time
• 5:14
  and
• 5:14
  your
• 5:15
  presence.
• 5:16
  That's
• 5:16
  presence
• 5:17
  with
• 5:17
  a
• 5:17
  CE
• 5:18
  count.
• 5:18
  Also,
• 5:19
  it
• 5:20
  can
• 5:20
  be
• 5:20
  something
• 5:20
  as
• 5:21
  simple
• 5:21
  as
• 5:21
  a
• 5:21
  visit.
• 5:22
  Go
• 5:22
  see
• 5:23
  your
• 5:23
  parents,
• 5:23
  go
• 5:23
  see
• 5:23
  your
• 5:24
  grandparents.
• 5:24
  Go
• 5:24
  see
• 5:24
  that
• 5:25
  aunt
• 5:25
  or
• 5:25
  uncle
• 5:26
  that
• 5:26
  you
• 5:26
  haven't
• 5:26
  seen
• 5:26
  for
• 5:27
  a
• 5:27
  while.
• 5:27
  Maybe
• 5:28
  you
• 5:28
  don't
• 5:28
  have
• 5:28
  the
• 5:28
  money
• 5:29
  to
• 5:29
  do
• 5:29
  that.
• 5:29
  Pick
• 5:29
  up
• 5:29
  the
• 5:29
  phone
• 5:29
  and
• 5:30
  call
• 5:30
  them.
• 5:30
  Calling
• 5:30
  is
• 5:30
  cheap
• 5:31
  now.
• 5:31
  We
• 5:31
  don't
• 5:32
  pay
• 5:32
  for
• 5:32
  long
• 5:32
  distance
• 5:33
  anymore.
• 5:33
  Just
• 5:33
  pick
• 5:33
  up
• 5:33
  the
• 5:33
  phone.
• 5:35
  Maybe
• 5:35
  for
• 5:35
  you
• 5:35
  it's
• 5:35
  volunteering.
• 5:36
  Some
• 5:36
  of
• 5:36
  the
• 5:36
  most
• 5:37
  impactful
• 5:38
  stories
• 5:38
  I've
• 5:38
  ever
• 5:39
  heard
• 5:39
  about
• 5:39
  people
• 5:40
  is
• 5:40
  when
• 5:40
  they
• 5:40
  gave
• 5:40
  back
• 5:41
  to
• 5:41
  others,
• 5:41
  when
• 5:42
  they
• 5:42
  volunteered
• 5:42
  with
• 5:43
  somebody.
• 5:44
  Those
• 5:44
  things
• 5:44
  all
• 5:45
  mean
• 5:45
  so
• 5:45
  much
• 5:45
  more
• 5:46
  than
• 5:46
  money.
• 5:46
  You
• 5:46
  want
• 5:46
  to
• 5:46
  find
• 5:47
  joy
• 5:47
  in
• 5:47
  the
• 5:47
  holiday
• 5:47
  season?
• 5:48
  Do
• 5:49
  some
• 5:49
  of
• 5:49
  those
• 5:49
  things.
• 5:50
  And
• 5:51
  here's
• 5:51
  a
• 5:51
  little
• 5:51
  pro
• 5:52
  tip.
• 5:52
  And
• 5:53
  I'm
• 5:53
  going
• 5:53
  to
• 5:53
  warn
• 5:53
  you
• 5:53
  on
• 5:53
  this
• 5:54
  one.
• 5:54
  Avoid
• 5:55
  funding
• 5:55
  charity
• 5:56
  with
• 5:56
  debt.
• 5:57
  I've
• 5:57
  had
• 5:58
  some
• 5:58
  people
• 5:58
  say
• 5:58
  to
• 5:58
  me,
• 5:58
  ralph,
• 5:59
  you
• 5:59
  know,
• 5:59
  I
• 5:59
  really
• 5:59
  want
• 5:59
  to
• 5:59
  give
• 5:59
  to
• 5:59
  this
• 6:00
  charity,
• 6:00
  but
• 6:00
  I
• 6:00
  don't
• 6:00
  have
• 6:00
  the
• 6:00
  cash
• 6:01
  right
• 6:01
  now.
• 6:02
  Should
• 6:02
  I
• 6:02
  go
• 6:02
  get
• 6:03
  a
• 6:03
  credit
• 6:03
  card
• 6:03
  advance
• 6:03
  or
• 6:04
  should
• 6:04
  I
• 6:04
  do
• 6:04
  something
• 6:04
  like
• 6:04
  this?
• 6:05
  Here's
• 6:05
  the
• 6:05
  deal.
• 6:06
  Borrowing
• 6:06
  to
• 6:06
  give
• 6:06
  is
• 6:07
  what
• 6:07
  creates
• 6:07
  what
• 6:07
  I
• 6:08
  call
• 6:08
  double
• 6:08
  bondage.
• 6:09
  It's
• 6:09
  just
• 6:09
  the
• 6:10
  truth.
• 6:10
  You're
• 6:11
  bonding
• 6:11
  yourself
• 6:11
  spiritually
• 6:12
  and
• 6:12
  financially.
• 6:13
  So
• 6:13
  here,
• 6:13
  big
• 6:14
  takeaway
• 6:14
  for
• 6:14
  today.
• 6:15
  Don't
• 6:15
  ever
• 6:16
  borrow
• 6:16
  to
• 6:17
  give.
• 6:17
  That's
• 6:17
  a
• 6:17
  bad
• 6:17
  plan.
• 6:18
  Give
• 6:19
  your
• 6:19
  time,
• 6:19
  give
• 6:20
  your
• 6:20
  talents,
• 6:20
  give
• 6:21
  your
• 6:21
  creativity.
• 6:21
  But
• 6:22
  you
• 6:22
  don't
• 6:22
  have
• 6:22
  the
• 6:22
  money
• 6:22
  to
• 6:22
  do
• 6:22
  it.
• 6:23
  Don't
• 6:23
  do
• 6:23
  it.
• 6:23
  And
• 6:24
  finally,
• 6:25
  big
• 6:25
  takeaway
• 6:26
  for
• 6:26
  today.
• 6:26
  Got
• 6:26
  a
• 6:26
  lot
• 6:26
  of
• 6:27
  big
• 6:27
  takeaways
• 6:27
  today.
• 6:28
  Plan
• 6:28
  your
• 6:28
  giving
• 6:29
  if
• 6:30
  you're
• 6:30
  going
• 6:30
  to
• 6:30
  give.
• 6:30
  And
• 6:30
  listen.
• 6:31
  And
• 6:31
  I'm
• 6:31
  going
• 6:31
  to
• 6:31
  get
• 6:31
  to
• 6:31
  our
• 6:31
  Bible
• 6:32
  verse
• 6:32
  here
• 6:32
  in
• 6:32
  a
• 6:32
  second.
• 6:34
  But
• 6:34
  limit
• 6:34
  that
• 6:34
  plan
• 6:35
  early.
• 6:35
  Budget
• 6:36
  that
• 6:36
  generosity.
• 6:37
  We
• 6:37
  talked
• 6:37
  about
• 6:38
  creating
• 6:38
  that
• 6:38
  list
• 6:38
  of
• 6:38
  people
• 6:39
  that
• 6:39
  you
• 6:39
  want
• 6:39
  to
• 6:39
  give
• 6:39
  to.
• 6:40
  Well,
• 6:40
  you
• 6:40
  can
• 6:40
  do
• 6:41
  the
• 6:41
  same
• 6:41
  thing
• 6:41
  for
• 6:41
  your
• 6:42
  donations.
• 6:42
  A
• 6:42
  lot
• 6:42
  of
• 6:42
  people
• 6:43
  feel
• 6:43
  that
• 6:43
  pull
• 6:43
  at
• 6:44
  Christmas
• 6:44
  time.
• 6:44
  You
• 6:44
  know,
• 6:44
  you
• 6:45
  see
• 6:45
  the
• 6:45
  commercials
• 6:46
  on
• 6:46
  tv.
• 6:47
  My
• 6:47
  family
• 6:47
  feels
• 6:48
  the
• 6:48
  same
• 6:48
  way.
• 6:49
  Create
• 6:49
  that
• 6:49
  list.
• 6:50
  Put
• 6:50
  a
• 6:51
  number
• 6:51
  next
• 6:51
  to
• 6:51
  each
• 6:51
  of
• 6:51
  them.
• 6:52
  Which
• 6:52
  leads
• 6:52
  me
• 6:52
  to
• 6:52
  our
• 6:52
  Bible
• 6:53
  verse
• 6:53
  today.
• 6:53
  And
• 6:53
  this
• 6:53
  one
• 6:53
  comes
• 6:54
  to
• 6:54
  us
• 6:54
  from
• 6:54
  Second
• 6:55
  Corinthians,
• 6:55
  chapter
• 6:56
  9,
• 6:56
  verse
• 6:56
  7.
• 6:56
  It
• 6:57
  says,
• 6:57
  each
• 6:57
  of
• 6:57
  you
• 6:58
  should
• 6:58
  give
• 6:58
  what
• 6:58
  you
• 6:58
  have
• 6:58
  decided
• 6:59
  in
• 6:59
  your
• 6:59
  heart
• 6:59
  to
• 6:59
  give,
• 7:00
  not
• 7:01
  reluctantly
• 7:01
  or
• 7:01
  under
• 7:02
  compulsion.
• 7:03
  For
• 7:03
  God
• 7:03
  loves
• 7:03
  a
• 7:04
  cheerful
• 7:04
  giver.
• 7:05
  And
• 7:05
  I
• 7:05
  just
• 7:05
  love
• 7:06
  this
• 7:06
  verse.
• 7:07
  That
• 7:07
  means
• 7:07
  you're
• 7:08
  intentionally
• 7:08
  thinking
• 7:08
  about
• 7:09
  it's.
• 7:09
  Not
• 7:09
  something.
• 7:09
  Just
• 7:09
  gut
• 7:10
  instinct,
• 7:10
  right?
• 7:10
  We're
• 7:10
  not
• 7:11
  talking
• 7:11
  about
• 7:11
  that.
• 7:12
  But
• 7:12
  it
• 7:12
  also
• 7:12
  tells
• 7:12
  us,
• 7:13
  not
• 7:13
  reluctantly
• 7:13
  or
• 7:14
  under
• 7:14
  compulsion,
• 7:15
  because
• 7:15
  why
• 7:16
  God
• 7:16
  loves
• 7:17
  a
• 7:17
  cheerful
• 7:17
  giver.
• 7:18
  And
• 7:18
  in
• 7:18
  my
• 7:19
  view,
• 7:19
  cheerfulness
• 7:20
  is
• 7:20
  being
• 7:20
  intentional,
• 7:21
  not
• 7:22
  guilt.
• 7:22
  Why
• 7:22
  about
• 7:23
  we
• 7:23
  pray
• 7:23
  together
• 7:23
  right
• 7:23
  now,
• 7:24
  Lord.
• 7:24
  We
• 7:24
  come
• 7:25
  to
• 7:25
  you
• 7:25
  right
• 7:25
  now.
• 7:25
  And
• 7:25
  we
• 7:26
  want
• 7:26
  to
• 7:26
  be
• 7:26
  those
• 7:26
  cheerful
• 7:27
  givers
• 7:27
  that
• 7:27
  you
• 7:28
  want
• 7:28
  us
• 7:28
  to
• 7:28
  be,
• 7:28
  Lord.
• 7:29
  So
• 7:29
  give
• 7:30
  me
• 7:30
  wisdom,
• 7:30
  Lord,
• 7:31
  to
• 7:31
  not
• 7:31
  act
• 7:31
  impulsively
• 7:32
  during
• 7:32
  this
• 7:33
  season.
• 7:33
  And,
• 7:34
  Lord,
• 7:34
  show
• 7:34
  me
• 7:34
  where
• 7:34
  my
• 7:35
  generosity
• 7:35
  can
• 7:36
  do
• 7:36
  the
• 7:36
  most
• 7:36
  good.
• 7:36
  Show
• 7:37
  me
• 7:37
  your
• 7:37
  way,
• 7:37
  Lord,
• 7:38
  and
• 7:38
  your
• 7:38
  will
• 7:38
  for
• 7:38
  my
• 7:38
  life.
• 7:39
  Teach
• 7:39
  me
• 7:39
  that
• 7:40
  my
• 7:40
  time
• 7:40
  and
• 7:40
  my
• 7:41
  love
• 7:41
  and
• 7:41
  my
• 7:41
  talents
• 7:41
  and
• 7:42
  my
• 7:42
  creativity
• 7:43
  are
• 7:43
  just
• 7:43
  as
• 7:44
  valuable
• 7:44
  as
• 7:44
  money,
• 7:45
  Lord.
• 7:45
  And
• 7:45
  they're
• 7:45
  so
• 7:46
  much
• 7:46
  more
• 7:46
  impactful,
• 7:47
  Lord.
• 7:47
  And
• 7:47
  just
• 7:47
  we
• 7:47
  ask
• 7:48
  all
• 7:48
  of
• 7:48
  these
• 7:48
  things
• 7:49
  in
• 7:49
  the
• 7:49
  name
• 7:50
  of
• 7:50
  Jesus.
• 7:51
  Amen.
• 7:52
  All
• 7:52
  right,
• 7:52
  well,
• 7:52
  here's
• 7:53
  your
• 7:53
  action
• 7:53
  item
• 7:53
  for
• 7:53
  today.
• 7:54
  I
• 7:54
  want
• 7:54
  you
• 7:54
  to
• 7:54
  make
• 7:54
  a
• 7:54
  decision
• 7:55
  today
• 7:56
  before
• 7:56
  you
• 7:56
  do
• 7:56
  anything
• 7:56
  else
• 7:57
  today.
• 7:57
  Make
• 7:58
  a
• 7:58
  decision.
• 7:59
  Put
• 7:59
  together
• 8:00
  a
• 8:00
  giving
• 8:00
  budget
• 8:00
  or
• 8:01
  list.
• 8:02
  Put
• 8:02
  it
• 8:02
  on
• 8:02
  paper,
• 8:03
  pen
• 8:03
  to
• 8:03
  paper.
• 8:03
  I
• 8:03
  think
• 8:03
  that
• 8:04
  is
• 8:04
  so
• 8:04
  impactful
• 8:04
  when
• 8:04
  you
• 8:05
  write
• 8:05
  it
• 8:05
  down.
• 8:05
  And
• 8:06
  once
• 8:06
  you
• 8:06
  write
• 8:06
  it
• 8:06
  down,
• 8:07
  take
• 8:07
  a
• 8:07
  step
• 8:07
  back
• 8:08
  and
• 8:08
  pray
• 8:08
  over
• 8:08
  it
• 8:09
  before
• 8:09
  the
• 8:10
  emotions
• 8:10
  of
• 8:10
  the
• 8:10
  season
• 8:11
  take
• 8:11
  over,
• 8:11
  really
• 8:12
  pray
• 8:12
  about
• 8:12
  it
• 8:12
  and
• 8:12
  ask
• 8:13
  the
• 8:13
  Lord
• 8:13
  to
• 8:13
  show
• 8:13
  you
• 8:14
  what
• 8:14
  he
• 8:14
  would
• 8:14
  want
• 8:15
  you
• 8:15
  to
• 8:15
  do.
• 8:15
  Keep
• 8:15
  those
• 8:15
  emotions
• 8:16
  in
• 8:16
  check.
• 8:16
  Because,
• 8:16
  listen,
• 8:17
  these
• 8:17
  marketing
• 8:18
  people,
• 8:19
  they're
• 8:19
  very
• 8:19
  good
• 8:19
  at
• 8:19
  this.
• 8:20
  All
• 8:20
  kinds
• 8:21
  of
• 8:21
  great
• 8:21
  commercials
• 8:21
  that
• 8:22
  tear
• 8:22
  at
• 8:22
  your
• 8:22
  heartstrings,
• 8:23
  don't
• 8:23
  they?
• 8:24
  But
• 8:24
  keep
• 8:24
  your
• 8:24
  emotions
• 8:25
  in
• 8:25
  check
• 8:25
  and
• 8:25
  be
• 8:26
  intentional
• 8:26
  and
• 8:27
  celebrate
• 8:27
  that
• 8:28
  joy.
• 8:28
  Now
• 8:28
  you
• 8:29
  might
• 8:29
  be
• 8:29
  having
• 8:29
  the
• 8:29
  thought
• 8:29
  of.
• 8:30
  I
• 8:30
  got
• 8:30
  a
• 8:30
  question,
• 8:30
  Ralph.
• 8:31
  How
• 8:31
  do
• 8:31
  I
• 8:31
  give
• 8:31
  you
• 8:32
  a
• 8:32
  question
• 8:32
  to
• 8:32
  the
• 8:32
  show?
• 8:32
  You
• 8:32
  do
• 8:32
  a
• 8:32
  lot
• 8:33
  of
• 8:33
  questions
• 8:33
  on
• 8:33
  this
• 8:33
  show.
• 8:33
  Well,
• 8:34
  I
• 8:34
  made
• 8:34
  it
• 8:34
  really
• 8:34
  super
• 8:35
  simple.
• 8:35
  If
• 8:35
  you've
• 8:36
  got
• 8:36
  a
• 8:36
  question
• 8:36
  for
• 8:36
  this
• 8:36
  show,
• 8:37
  all
• 8:37
  you've
• 8:37
  got
• 8:37
  to
• 8:38
  do
• 8:38
  is
• 8:38
  go
• 8:38
  to
• 8:38
  justaskralph.com
• 8:40
  when
• 8:40
  you
• 8:40
  get
• 8:40
  to
• 8:41
  that
• 8:41
  website,
• 8:41
  just
• 8:42
  put
• 8:42
  your
• 8:42
  question
• 8:42
  in
• 8:42
  there.
• 8:43
  And
• 8:43
  guess
• 8:43
  what?
• 8:43
  I'll
• 8:44
  feature
• 8:44
  your
• 8:44
  question
• 8:44
  on
• 8:45
  the
• 8:45
  show
• 8:45
  because
• 8:45
  a
• 8:46
  lot
• 8:46
  of
• 8:46
  people
• 8:46
  can
• 8:46
  be
• 8:46
  impacted
• 8:47
  by
• 8:47
  your
• 8:47
  questions.
• 8:48
  So
• 8:48
  don't
• 8:48
  feel
• 8:48
  like
• 8:49
  you
• 8:49
  can't
• 8:49
  participate.
• 8:50
  I
• 8:50
  love
• 8:50
  participation.
• 8:51
  Go
• 8:52
  to
• 8:52
  just
• 8:52
  ask
• 8:52
  Ralph.com
• 8:54
  and
• 8:54
  send
• 8:54
  me
• 8:55
  your
• 8:55
  question
• 8:55
  today.
• 8:56
  And
• 8:56
  as
• 8:56
  I
• 8:56
  close
• 8:57
  today,
• 8:57
  remember
• 8:57
  this
• 8:58
  generosity
• 8:59
  is
• 8:59
  good.
• 8:59
  Listen,
• 8:59
  I'll
• 9:00
  say
• 9:00
  generosity
• 9:00
  is
• 9:00
  a
• 9:00
  beautiful
• 9:01
  thing.
• 9:01
  It's
• 9:02
  something
• 9:02
  that
• 9:02
  God
• 9:02
  wants
• 9:02
  us
• 9:03
  to
• 9:03
  be.
• 9:03
  I
• 9:03
  really
• 9:03
  believe
• 9:04
  that
• 9:04
  people
• 9:04
  were
• 9:05
  born
• 9:05
  to
• 9:05
  be
• 9:05
  generous.
• 9:07
  But
• 9:07
  it's
• 9:07
  not
• 9:07
  good
• 9:07
  if
• 9:08
  it
• 9:08
  leaves
• 9:08
  you
• 9:08
  broke.
• 9:09
  So
• 9:09
  give
• 9:10
  with
• 9:10
  grace,
• 9:10
  don't
• 9:10
  give
• 9:11
  with
• 9:11
  guilt.
• 9:11
  Protect
• 9:12
  your
• 9:12
  home
• 9:12
  first.
• 9:12
  Like
• 9:13
  Dave
• 9:13
  Ramsey
• 9:13
  said,
• 9:14
  you
• 9:14
  got
• 9:14
  to
• 9:14
  be
• 9:14
  protecting
• 9:15
  yourself
• 9:15
  first
• 9:16
  and
• 9:16
  then
• 9:16
  help
• 9:16
  others.
• 9:17
  I
• 9:17
  want
• 9:17
  to
• 9:17
  thank
• 9:17
  you
• 9:17
  for
• 9:17
  listening
• 9:18
  to
• 9:18
  me
• 9:18
  today.
• 9:19
  Go
• 9:19
  out
• 9:19
  there
• 9:19
  and
• 9:19
  be
• 9:20
  the
• 9:20
  financially
• 9:21
  confident
• 9:21
  Christian
• 9:21
  that
• 9:22
  I
• 9:22
  know
• 9:22
  you
• 9:22
  can
• 9:22
  be.
• 9:22
  You've
• 9:23
  got
• 9:23
  the
• 9:23
  skills
• 9:23
  to
• 9:23
  do
• 9:23
  it.
• 9:24
  Have
• 9:24
  confidence
• 9:24
  in
• 9:25
  yourself
• 9:25
  because
• 9:25
  I
• 9:25
  sure
• 9:25
  have
• 9:26
  confidence
• 9:26
  in
• 9:26
  you.
• 9:26
  But
• 9:27
  bigger
• 9:27
  than
• 9:27
  that,
• 9:27
  the
• 9:27
  Lord
• 9:28
  has
• 9:28
  confidence
• 9:28
  in
• 9:28
  you.
• 9:29
  Stay
• 9:29
  financially
• 9:29
  savvy
• 9:30
  today.
• 9:30
  God
• 9:31
  bless
• 9:31
  you,
• 9:31
  and
• 9:31
  you
• 9:31
  have
• 9:32
  a
• 9:32
  great
• 9:32
  day
• 9:32
  today.