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5 Tips for College Students to Avoid Financial Chaos · Becoming Financially Confident

• 0:37
  Let's
• 0:38
  face
• 0:38
  it,
• 0:38
  for
• 0:38
  so
• 0:38
  many
• 0:38
  of
• 0:39
  us,
• 0:39
  college
• 0:39
  is
• 0:39
  freedom.
• 0:40
  It's
• 0:40
  the
• 0:40
  first
• 0:40
  time
• 0:41
  away
• 0:41
  from
• 0:41
  our
• 0:41
  parents.
• 0:43
  At
• 0:43
  the
• 0:43
  same
• 0:43
  time,
• 0:44
  it
• 0:44
  introduces
• 0:45
  a
• 0:45
  whole
• 0:45
  nother
• 0:46
  level
• 0:46
  of
• 0:46
  financial
• 0:47
  chaos.
• 0:48
  Potential
• 0:49
  debt,
• 0:49
  the
• 0:50
  stress
• 0:50
  of
• 0:50
  managing
• 0:51
  your
• 0:51
  own
• 0:51
  money.
• 0:51
  And
• 0:51
  hey,
• 0:51
  even
• 0:52
  those
• 0:52
  late
• 0:52
  night
• 0:53
  pizza
• 0:53
  runs.
• 0:54
  Let
• 0:54
  me
• 0:54
  tell
• 0:54
  you
• 0:55
  right
• 0:55
  now,
• 0:55
  it
• 0:55
  doesn't
• 0:56
  have
• 0:56
  to
• 0:56
  be
• 0:56
  that
• 0:56
  way.
• 0:57
  So
• 0:57
  stick
• 0:57
  with
• 0:58
  me.
• 0:58
  Today
• 0:58
  I
• 0:58
  got
• 0:58
  five
• 0:59
  tips
• 0:59
  to
• 0:59
  change
• 0:59
  your
• 1:00
  money
• 1:00
  story
• 1:01
  and
• 1:01
  get
• 1:01
  you
• 1:01
  started
• 1:02
  off
• 1:02
  on
• 1:02
  the
• 1:02
  right
• 1:02
  foot.
• 1:03
  Hi,
• 1:03
  I'm
• 1:03
  Ralph
• 1:04
  and
• 1:04
  this
• 1:04
  is
• 1:04
  financially
• 1:05
  confident
• 1:05
  Christian.
• 1:06
  And
• 1:06
  today
• 1:06
  I
• 1:06
  really
• 1:07
  want
• 1:07
  to
• 1:07
  talk
• 1:07
  about
• 1:07
  college.
• 1:08
  I
• 1:08
  want
• 1:08
  to
• 1:08
  talk
• 1:08
  about
• 1:09
  back
• 1:09
  to
• 1:09
  school
• 1:10
  and
• 1:10
  how
• 1:10
  to
• 1:10
  get
• 1:10
  started
• 1:11
  your
• 1:11
  financial
• 1:11
  journey
• 1:12
  the
• 1:12
  right
• 1:12
  way.
• 1:12
  Listen,
• 1:13
  the
• 1:13
  other
• 1:13
  night
• 1:13
  I
• 1:14
  was
• 1:14
  at
• 1:14
  the
• 1:14
  University
• 1:14
  of
• 1:15
  Delaware
• 1:15
  football
• 1:15
  game.
• 1:16
  My
• 1:16
  son
• 1:17
  and
• 1:17
  I,
• 1:17
  we
• 1:17
  were
• 1:17
  watching
• 1:17
  the
• 1:18
  opening
• 1:18
  game
• 1:18
  of
• 1:18
  the
• 1:18
  season
• 1:19
  and
• 1:19
  I
• 1:19
  looked
• 1:20
  around
• 1:20
  and
• 1:20
  I
• 1:20
  saw
• 1:20
  all
• 1:21
  these
• 1:21
  kids,
• 1:21
  I
• 1:22
  call
• 1:22
  them
• 1:22
  kids
• 1:22
  because
• 1:23
  I'm
• 1:23
  going
• 1:23
  to
• 1:23
  be
• 1:23
  53
• 1:24
  in
• 1:24
  a
• 1:24
  couple
• 1:24
  weeks
• 1:24
  and
• 1:24
  to
• 1:25
  me
• 1:25
  they're
• 1:25
  kids.
• 1:26
  But
• 1:26
  I
• 1:26
  look
• 1:26
  around
• 1:27
  and
• 1:27
  I
• 1:27
  see
• 1:27
  all
• 1:27
  these
• 1:27
  kids
• 1:28
  and
• 1:28
  I'm
• 1:29
  thinking
• 1:29
  to
• 1:29
  myself,
• 1:29
  hey,
• 1:30
  I
• 1:30
  remember
• 1:30
  back
• 1:31
  when,
• 1:31
  when
• 1:31
  I
• 1:31
  was
• 1:32
  18
• 1:32
  years
• 1:32
  old.
• 1:33
  Seems
• 1:33
  like
• 1:34
  many,
• 1:34
  many
• 1:34
  moons
• 1:35
  ago,
• 1:35
  but
• 1:35
  I
• 1:35
  can
• 1:35
  remember
• 1:36
  it
• 1:36
  like
• 1:36
  it
• 1:36
  was
• 1:36
  yesterday.
• 1:37
  My
• 1:37
  dad
• 1:38
  dropped
• 1:38
  me
• 1:38
  off.
• 1:39
  At
• 1:39
  that
• 1:39
  time
• 1:39
  I
• 1:39
  was
• 1:39
  at
• 1:39
  the
• 1:40
  University
• 1:40
  of
• 1:40
  Nebraska.
• 1:41
  That's
• 1:41
  where
• 1:41
  I
• 1:41
  did
• 1:41
  my
• 1:41
  freshman
• 1:42
  year.
• 1:42
  I
• 1:42
  was
• 1:42
  a
• 1:42
  member
• 1:42
  of
• 1:43
  the
• 1:43
  Cornhusker
• 1:44
  Marching
• 1:44
  Band.
• 1:44
  What
• 1:45
  a
• 1:45
  great
• 1:45
  time
• 1:45
  it
• 1:45
  was.
• 1:46
  But
• 1:46
  I'll
• 1:46
  never
• 1:47
  forget
• 1:47
  the
• 1:47
  day
• 1:48
  my
• 1:48
  dad
• 1:48
  dropped
• 1:48
  me
• 1:48
  off.
• 1:49
  We
• 1:49
  went
• 1:49
  to
• 1:49
  the
• 1:50
  bank.
• 1:50
  He
• 1:50
  set
• 1:50
  up
• 1:50
  a
• 1:50
  bank
• 1:51
  account
• 1:51
  for
• 1:51
  me
• 1:51
  there
• 1:52
  in
• 1:52
  Lincoln,
• 1:52
  Nebraska.
• 1:53
  And
• 1:53
  as
• 1:53
  he
• 1:54
  waved
• 1:54
  goodbye,
• 1:54
  I
• 1:54
  started
• 1:55
  thinking
• 1:55
  to
• 1:55
  myself,
• 1:55
  this
• 1:56
  is
• 1:56
  great.
• 1:56
  I
• 1:56
  finally
• 1:57
  got
• 1:57
  freedom.
• 1:58
  But
• 1:58
  it
• 1:59
  wasn't.
• 1:59
  But
• 1:59
  a
• 1:59
  couple
• 1:59
  of
• 2:00
  days
• 2:00
  later,
• 2:00
  I
• 2:00
  started
• 2:00
  to
• 2:01
  realize,
• 2:01
  hey,
• 2:01
  with
• 2:01
  that
• 2:02
  freedom
• 2:02
  comes
• 2:03
  some
• 2:03
  real
• 2:03
  choices
• 2:04
  that
• 2:04
  I
• 2:04
  have
• 2:04
  to
• 2:04
  make.
• 2:05
  And
• 2:05
  I'm
• 2:05
  going
• 2:05
  to
• 2:05
  tell
• 2:05
  you
• 2:06
  a
• 2:06
  little
• 2:06
  bit
• 2:06
  later
• 2:06
  in
• 2:06
  the
• 2:06
  show
• 2:07
  about
• 2:07
  some
• 2:07
  of
• 2:07
  the
• 2:07
  choices
• 2:08
  that
• 2:08
  I
• 2:08
  made
• 2:08
  that
• 2:09
  put
• 2:09
  me
• 2:09
  sort
• 2:09
  of
• 2:09
  in
• 2:09
  a
• 2:10
  bad
• 2:10
  spot.
• 2:10
  But
• 2:10
  today
• 2:10
  I
• 2:11
  just
• 2:11
  want
• 2:11
  to
• 2:11
  share
• 2:11
  with
• 2:12
  you
• 2:12
  5
• 2:12
  tips
• 2:13
  to
• 2:13
  help
• 2:13
  you
• 2:13
  get
• 2:14
  started.
• 2:14
  Right?
• 2:14
  The
• 2:14
  first
• 2:15
  tip
• 2:15
  is
• 2:15
  this
• 2:15
  one.
• 2:16
  And
• 2:16
  this
• 2:16
  is
• 2:16
  one
• 2:16
  I
• 2:16
  wish
• 2:17
  I
• 2:17
  had
• 2:17
  learned
• 2:17
  earlier.
• 2:18
  And
• 2:18
  that's
• 2:19
  master
• 2:19
  the
• 2:19
  budget
• 2:20
  early.
• 2:21
  Listen,
• 2:21
  this
• 2:22
  doesn't
• 2:22
  have
• 2:22
  to
• 2:22
  be
• 2:22
  something
• 2:23
  really
• 2:23
  complicated.
• 2:23
  You
• 2:24
  can
• 2:24
  keep
• 2:24
  it
• 2:24
  really
• 2:24
  simple,
• 2:25
  but
• 2:25
  you've
• 2:26
  got
• 2:26
  to
• 2:26
  understand
• 2:26
  where
• 2:27
  your
• 2:27
  income
• 2:27
  is
• 2:28
  and
• 2:28
  what
• 2:28
  expenses
• 2:29
  you
• 2:29
  have.
• 2:30
  Now,
• 2:30
  for
• 2:30
  a
• 2:31
  lot
• 2:31
  of
• 2:31
  college
• 2:31
  people,
• 2:32
  there
• 2:32
  may
• 2:32
  not
• 2:32
  be
• 2:32
  any
• 2:32
  income
• 2:33
  at
• 2:33
  all.
• 2:33
  Maybe
• 2:34
  you've
• 2:34
  just
• 2:34
  got
• 2:34
  the
• 2:34
  money
• 2:35
  that
• 2:35
  your
• 2:35
  parents
• 2:35
  have
• 2:35
  set
• 2:36
  aside.
• 2:36
  That's
• 2:36
  the
• 2:36
  situation
• 2:37
  I
• 2:37
  had.
• 2:37
  I
• 2:38
  was
• 2:38
  a
• 2:38
  member
• 2:38
  of
• 2:38
  the
• 2:38
  marching
• 2:39
  band.
• 2:39
  I
• 2:39
  didn't
• 2:39
  really
• 2:40
  have
• 2:40
  time
• 2:40
  for
• 2:40
  a
• 2:40
  job
• 2:40
  And
• 2:41
  I'll
• 2:41
  tell
• 2:41
  you
• 2:41
  later,
• 2:41
  I
• 2:41
  ended
• 2:42
  up
• 2:42
  finding
• 2:42
  a
• 2:42
  job,
• 2:43
  at
• 2:43
  least
• 2:43
  to
• 2:44
  bring
• 2:44
  in
• 2:44
  a
• 2:44
  couple
• 2:44
  extra
• 2:45
  bucks.
• 2:45
  But
• 2:45
  I
• 2:46
  knew
• 2:46
  what
• 2:46
  my
• 2:46
  expenses
• 2:47
  were
• 2:47
  and
• 2:47
  I
• 2:48
  think
• 2:48
  that
• 2:48
  is
• 2:48
  so
• 2:48
  critical
• 2:49
  to
• 2:49
  start
• 2:49
  there.
• 2:50
  What
• 2:50
  is
• 2:50
  your
• 2:50
  income
• 2:51
  and
• 2:51
  what
• 2:51
  are
• 2:51
  your
• 2:51
  expenses?
• 2:52
  And
• 2:52
  really
• 2:52
  put
• 2:52
  them
• 2:52
  down.
• 2:53
  Now
• 2:53
  listen,
• 2:53
  you,
• 2:53
  you
• 2:53
  don't
• 2:53
  have
• 2:54
  to
• 2:54
  get
• 2:54
  complicated
• 2:54
  with
• 2:55
  this.
• 2:55
  There
• 2:55
  are
• 2:56
  some
• 2:56
  free
• 2:56
  apps
• 2:56
  like
• 2:57
  Mint,
• 2:57
  why
• 2:58
  you
• 2:58
  need
• 2:58
  a
• 2:58
  budget.
• 2:58
  Hey,
• 2:59
  it
• 2:59
  could
• 2:59
  be
• 2:59
  something
• 2:59
  as
• 2:59
  simple
• 3:00
  as
• 3:00
  a
• 3:00
  Google
• 3:01
  sheet,
• 3:01
  but
• 3:02
  put
• 3:02
  something
• 3:02
  down
• 3:03
  on
• 3:03
  paper
• 3:03
  because
• 3:04
  if
• 3:04
  you
• 3:04
  don't
• 3:04
  tell
• 3:04
  your
• 3:04
  money
• 3:05
  where
• 3:05
  you're
• 3:05
  going
• 3:05
  to
• 3:05
  go,
• 3:06
  it
• 3:06
  will
• 3:06
  disappear.
• 3:07
  So
• 3:07
  that's
• 3:08
  my
• 3:08
  first
• 3:08
  tip.
• 3:09
  Tell
• 3:09
  your
• 3:09
  money
• 3:09
  where
• 3:10
  it's
• 3:10
  going
• 3:10
  to
• 3:10
  go.
• 3:10
  And
• 3:11
  measure
• 3:11
  that.
• 3:12
  Second
• 3:12
  tip.
• 3:13
  Beware
• 3:14
  of
• 3:14
  credit
• 3:14
  card
• 3:15
  temptations.
• 3:16
  To
• 3:16
  be
• 3:16
  honest
• 3:17
  with
• 3:17
  you,
• 3:17
  Nebraska
• 3:18
  wasn't
• 3:18
  for
• 3:18
  me.
• 3:18
  So
• 3:18
  I
• 3:18
  transferred
• 3:19
  back
• 3:19
  home.
• 3:20
  And
• 3:20
  I
• 3:20
  remember
• 3:20
  I
• 3:20
  was
• 3:21
  walking
• 3:21
  across
• 3:21
  campus
• 3:22
  one
• 3:22
  day
• 3:22
  right
• 3:22
  after
• 3:22
  class
• 3:23
  and,
• 3:23
  and
• 3:24
  at
• 3:24
  the
• 3:24
  time
• 3:24
  was
• 3:25
  called
• 3:25
  MBNA
• 3:26
  bank
• 3:26
  and
• 3:26
  they
• 3:26
  were
• 3:26
  really
• 3:27
  capturing
• 3:27
  the
• 3:27
  market.
• 3:28
  But
• 3:28
  there
• 3:28
  was
• 3:28
  all
• 3:28
  kinds
• 3:29
  of
• 3:29
  credit
• 3:29
  card
• 3:29
  companies
• 3:30
  set
• 3:30
  up
• 3:30
  all
• 3:30
  over
• 3:30
  campus.
• 3:31
  And
• 3:32
  this
• 3:32
  guy
• 3:32
  comes
• 3:32
  up
• 3:32
  to
• 3:32
  me,
• 3:32
  says,
• 3:33
  hey,
• 3:33
  would
• 3:33
  you
• 3:33
  like
• 3:33
  a
• 3:33
  credit
• 3:34
  card?
• 3:34
  I'm
• 3:34
  thinking,
• 3:34
  yeah,
• 3:35
  I'd
• 3:35
  love
• 3:35
  to
• 3:35
  have
• 3:35
  a
• 3:35
  credit
• 3:36
  card,
• 3:36
  especially
• 3:36
  if
• 3:36
  I
• 3:37
  don't
• 3:37
  have
• 3:37
  to
• 3:37
  pay
• 3:37
  it
• 3:37
  back.
• 3:38
  So
• 3:39
  I
• 3:39
  walk
• 3:39
  up
• 3:39
  to
• 3:39
  the
• 3:39
  counter,
• 3:40
  they
• 3:40
  said,
• 3:40
  hey,
• 3:40
  if
• 3:40
  you
• 3:41
  sign
• 3:41
  up
• 3:41
  for
• 3:41
  this
• 3:41
  credit
• 3:41
  card,
• 3:41
  we're
• 3:42
  even
• 3:42
  going
• 3:42
  to
• 3:42
  give
• 3:42
  you
• 3:42
  a
• 3:42
  free
• 3:42
  shirt.
• 3:43
  I
• 3:43
  remember
• 3:43
  it
• 3:43
  was
• 3:43
  a
• 3:44
  University
• 3:44
  of
• 3:44
  Delaware
• 3:45
  Fighting
• 3:45
  Blue
• 3:45
  Hen
• 3:45
  shirt.
• 3:46
  I
• 3:46
  was
• 3:46
  like,
• 3:46
  oh
• 3:46
  that's
• 3:46
  great,
• 3:46
  what
• 3:47
  do
• 3:47
  I
• 3:47
  need
• 3:47
  to
• 3:47
  do?
• 3:48
  He
• 3:48
  hands
• 3:48
  me
• 3:48
  the
• 3:49
  application
• 3:49
  on
• 3:49
  a
• 3:49
  clipboard.
• 3:50
  He
• 3:50
  gave
• 3:50
  me
• 3:51
  a
• 3:51
  pen,
• 3:51
  made
• 3:51
  it
• 3:51
  really
• 3:51
  simple.
• 3:52
  I
• 3:52
  start
• 3:52
  to
• 3:52
  fill
• 3:53
  this
• 3:53
  thing
• 3:53
  out
• 3:53
  and
• 3:53
  put
• 3:54
  the
• 3:54
  name,
• 3:54
  address,
• 3:55
  phone
• 3:55
  number,
• 3:55
  that
• 3:55
  stuff
• 3:56
  was
• 3:56
  simple.
• 3:56
  Social
• 3:56
  Security
• 3:57
  number.
• 3:57
  Oh,
• 3:58
  easy
• 3:58
  to
• 3:58
  do.
• 3:59
  And
• 3:59
  then
• 3:59
  it
• 3:59
  got
• 3:59
  to
• 4:00
  the
• 4:00
  next
• 4:00
  question,
• 4:00
  said,
• 4:00
  tell
• 4:01
  us
• 4:01
  about
• 4:01
  your
• 4:01
  income.
• 4:02
  And
• 4:02
  I
• 4:02
  almost
• 4:03
  felt
• 4:03
  that
• 4:03
  started
• 4:04
  laughing
• 4:04
  at
• 4:04
  that
• 4:04
  point.
• 4:05
  I
• 4:05
  said
• 4:05
  to
• 4:05
  the
• 4:06
  guy,
• 4:06
  said
• 4:06
  listen,
• 4:06
  I
• 4:06
  don't
• 4:06
  have
• 4:07
  any
• 4:07
  income
• 4:07
  at
• 4:07
  all.
• 4:08
  My
• 4:08
  parents
• 4:08
  are
• 4:08
  covering
• 4:09
  all
• 4:09
  this.
• 4:09
  He
• 4:09
  goes,
• 4:09
  oh
• 4:09
  no,
• 4:10
  that's
• 4:10
  no
• 4:10
  big
• 4:10
  deal.
• 4:10
  Just
• 4:11
  put
• 4:11
  down
• 4:11
  there,
• 4:11
  you
• 4:12
  know,
• 4:12
  your
• 4:12
  parents
• 4:12
  candle,
• 4:13
  all
• 4:13
  your
• 4:13
  expenses.
• 4:14
  I
• 4:15
  said,
• 4:15
  okay,
• 4:15
  that's
• 4:15
  great.
• 4:15
  I'm
• 4:16
  thinking,
• 4:16
  no,
• 4:16
  there's
• 4:16
  no
• 4:16
  way
• 4:17
  they're
• 4:17
  going
• 4:17
  to
• 4:17
  approve
• 4:18
  me
• 4:18
  for
• 4:18
  a
• 4:18
  credit
• 4:19
  card.
• 4:19
  Well,
• 4:19
  guess
• 4:20
  what?
• 4:20
  He
• 4:21
  ran
• 4:21
  it
• 4:21
  through
• 4:21
  the
• 4:21
  system.
• 4:21
  He
• 4:22
  says
• 4:22
  to
• 4:22
  me,
• 4:22
  he
• 4:22
  says,
• 4:23
  congratulations,
• 4:23
  Rob
• 4:24
  you,
• 4:24
  you've
• 4:24
  been
• 4:24
  issued
• 4:25
  a
• 4:25
  two
• 4:25
  thousand
• 4:25
  dollar
• 4:26
  spending
• 4:26
  limit.
• 4:26
  I'm
• 4:27
  like,
• 4:27
  fantastic,
• 4:28
  this
• 4:28
  is
• 4:28
  great.
• 4:29
  Two
• 4:29
  thousand
• 4:30
  dollars
• 4:30
  to
• 4:30
  spend.
• 4:31
  Of
• 4:31
  course
• 4:32
  they
• 4:32
  don't
• 4:32
  tell
• 4:32
  you
• 4:33
  you're
• 4:33
  gonna
• 4:33
  have
• 4:33
  to
• 4:33
  pay
• 4:34
  that
• 4:34
  money
• 4:34
  back.
• 4:34
  So
• 4:34
  let
• 4:35
  me
• 4:35
  tell
• 4:35
  you
• 4:35
  right
• 4:35
  now,
• 4:35
  for
• 4:36
  those
• 4:36
  month
• 4:36
  or
• 4:36
  two,
• 4:36
  man
• 4:37
  I
• 4:37
  was
• 4:37
  having
• 4:37
  a
• 4:38
  rip
• 4:38
  rolling
• 4:38
  time.
• 4:39
  So
• 4:39
  that
• 4:39
  is
• 4:40
  why
• 4:40
  I
• 4:40
  say
• 4:40
  my
• 4:40
  second
• 4:41
  thing
• 4:41
  is
• 4:42
  to
• 4:42
  avoid
• 4:42
  those
• 4:43
  credit
• 4:43
  card
• 4:43
  temptations.
• 4:44
  Because
• 4:44
  listen,
• 4:45
  you're
• 4:45
  gonna
• 4:46
  get
• 4:46
  yourself
• 4:46
  in
• 4:46
  trouble.
• 4:47
  You
• 4:47
  can
• 4:47
  dig
• 4:47
  yourself
• 4:48
  into
• 4:48
  a
• 4:49
  hole.
• 4:49
  You
• 4:49
  miss
• 4:49
  one
• 4:50
  payment,
• 4:50
  you're
• 4:51
  going
• 4:51
  to
• 4:51
  get
• 4:51
  nailed
• 4:51
  with
• 4:52
  interest.
• 4:52
  You're
• 4:52
  going
• 4:52
  to
• 4:53
  potentially
• 4:53
  give
• 4:53
  yourself
• 4:54
  bad
• 4:54
  credit
• 4:54
  for
• 4:54
  the,
• 4:55
  for,
• 4:55
  for
• 4:55
  the
• 4:55
  starting
• 4:56
  off
• 4:56
  point.
• 4:57
  It's
• 4:57
  a
• 4:57
  much
• 4:57
  better
• 4:58
  option
• 4:58
  to
• 4:59
  think
• 4:59
  about
• 4:59
  using
• 4:59
  a
• 5:00
  debit
• 5:00
  card
• 5:00
  first
• 5:01
  or
• 5:01
  if
• 5:01
  you're
• 5:01
  going
• 5:01
  to
• 5:02
  have
• 5:02
  a
• 5:02
  credit
• 5:02
  card,
• 5:03
  one
• 5:03
  low
• 5:03
  limit
• 5:04
  card.
• 5:04
  If
• 5:04
  you
• 5:04
  can
• 5:05
  let
• 5:05
  your
• 5:05
  parents
• 5:06
  give
• 5:06
  you
• 5:06
  a
• 5:06
  credit
• 5:06
  card
• 5:07
  to
• 5:07
  use,
• 5:07
  just
• 5:08
  make
• 5:08
  sure
• 5:08
  that
• 5:08
  you
• 5:09
  honor
• 5:09
  that
• 5:09
  commitment.
• 5:10
  So
• 5:10
  that's
• 5:10
  my
• 5:10
  second
• 5:10
  thing.
• 5:11
  Watch
• 5:11
  out
• 5:11
  for
• 5:12
  those
• 5:12
  credit
• 5:12
  card
• 5:13
  into
• 5:13
  inducements.
• 5:14
  I'll
• 5:14
  call
• 5:14
  them.
• 5:15
  Third
• 5:15
  tip,
• 5:16
  save
• 5:16
  on
• 5:17
  textbooks
• 5:17
  and
• 5:17
  supplies.
• 5:18
  Now
• 5:18
  listen,
• 5:19
  when
• 5:19
  I
• 5:19
  was
• 5:19
  going
• 5:19
  to
• 5:19
  school,
• 5:19
  this
• 5:20
  wasn't
• 5:20
  really
• 5:20
  an
• 5:20
  option,
• 5:20
  but
• 5:21
  now
• 5:21
  it's
• 5:21
  great.
• 5:22
  I
• 5:22
  would
• 5:22
  say
• 5:22
  to
• 5:23
  anybody,
• 5:23
  don't
• 5:24
  buy
• 5:24
  new.
• 5:24
  They
• 5:24
  can
• 5:24
  rent
• 5:25
  the
• 5:25
  books,
• 5:25
  you
• 5:25
  can
• 5:25
  borrow
• 5:26
  the
• 5:26
  books.
• 5:26
  A
• 5:27
  lot
• 5:27
  of
• 5:27
  times
• 5:27
  there's
• 5:27
  online
• 5:28
  version
• 5:28
  for
• 5:28
  the
• 5:29
  books.
• 5:29
  Shop
• 5:29
  early,
• 5:30
  compare
• 5:30
  prices
• 5:31
  because
• 5:32
  you
• 5:32
  can
• 5:32
  really
• 5:32
  save
• 5:33
  money.
• 5:33
  I
• 5:33
  remember
• 5:34
  my
• 5:34
  dad
• 5:34
  going
• 5:34
  to
• 5:35
  the
• 5:35
  bookstore
• 5:35
  with
• 5:36
  me
• 5:36
  and
• 5:36
  I
• 5:36
  don't
• 5:37
  remember
• 5:37
  this
• 5:37
  exactly,
• 5:37
  but
• 5:38
  I
• 5:38
  want
• 5:38
  to
• 5:38
  say
• 5:38
  my
• 5:39
  first
• 5:39
  semester
• 5:39
  of
• 5:39
  books
• 5:40
  was
• 5:40
  like
• 5:40
  taking
• 5:40
  out
• 5:41
  a
• 5:41
  second
• 5:41
  mortgage.
• 5:42
  There
• 5:42
  are
• 5:43
  so
• 5:43
  many
• 5:43
  better
• 5:43
  options
• 5:44
  out
• 5:44
  there
• 5:44
  right
• 5:45
  now.
• 5:45
  So
• 5:45
  that's
• 5:45
  why
• 5:45
  I
• 5:45
  say
• 5:46
  my
• 5:46
  third
• 5:46
  thing
• 5:47
  is
• 5:47
  don't
• 5:47
  buy
• 5:48
  new.
• 5:48
  Save
• 5:49
  on
• 5:49
  textbooks,
• 5:49
  save
• 5:50
  on
• 5:50
  supplies
• 5:51
  and
• 5:51
  honestly,
• 5:52
  see
• 5:52
  if
• 5:52
  you
• 5:52
  can
• 5:52
  make
• 5:52
  things
• 5:53
  stretch
• 5:53
  a
• 5:53
  little
• 5:53
  bit.
• 5:54
  Next
• 5:54
  thing,
• 5:55
  and
• 5:55
  I've
• 5:55
  heard
• 5:56
  this
• 5:56
  called
• 5:56
  the
• 5:56
  freshman
• 5:57
  15.
• 5:58
  This
• 5:58
  is
• 5:58
  a
• 5:58
  great
• 5:59
  time
• 5:59
  to
• 5:59
  make
• 5:59
  smart
• 6:00
  food
• 6:00
  and
• 6:00
  lifestyle
• 6:01
  choices.
• 6:02
  And
• 6:02
  I'm
• 6:02
  gonna
• 6:02
  tell
• 6:02
  you
• 6:02
  right
• 6:03
  now,
• 6:03
  I
• 6:03
  live
• 6:04
  this.
• 6:04
  I
• 6:04
  remember
• 6:05
  when
• 6:05
  I
• 6:05
  was
• 6:05
  at
• 6:05
  the
• 6:05
  University
• 6:06
  of
• 6:06
  Nebraska,
• 6:06
  it
• 6:06
  was
• 6:07
  so
• 6:07
  easy
• 6:07
  to
• 6:08
  go
• 6:08
  to
• 6:08
  the
• 6:08
  dorm,
• 6:09
  go
• 6:09
  to
• 6:09
  the
• 6:09
  meal
• 6:10
  place,
• 6:10
  and
• 6:10
  then
• 6:10
  on
• 6:11
  Sundays
• 6:11
  they
• 6:11
  didn't
• 6:11
  even
• 6:11
  serve
• 6:12
  dinner.
• 6:12
  So
• 6:12
  I
• 6:12
  was
• 6:12
  off
• 6:12
  to
• 6:13
  the
• 6:13
  pizza,
• 6:14
  all
• 6:14
  kinds
• 6:15
  of
• 6:15
  stuff
• 6:15
  like
• 6:15
  that.
• 6:15
  There
• 6:16
  was
• 6:16
  no
• 6:16
  plan.
• 6:17
  But
• 6:17
  then
• 6:18
  I
• 6:18
  started
• 6:18
  thinking,
• 6:18
  hey,
• 6:19
  wait
• 6:19
  a
• 6:19
  minute,
• 6:19
  how
• 6:19
  come
• 6:20
  I'm
• 6:20
  running
• 6:20
  out
• 6:20
  of
• 6:20
  money?
• 6:20
  And
• 6:20
  I
• 6:21
  promised
• 6:21
  to
• 6:21
  tell
• 6:21
  you
• 6:21
  this
• 6:21
  story.
• 6:22
  So
• 6:22
  when
• 6:22
  my
• 6:22
  dad
• 6:22
  set
• 6:22
  up
• 6:23
  my
• 6:23
  bank
• 6:23
  account,
• 6:23
  I'll
• 6:24
  never
• 6:24
  forget
• 6:24
  this,
• 6:25
  he
• 6:25
  wrote
• 6:25
  a
• 6:26
  check
• 6:26
  and
• 6:26
  I
• 6:26
  can't
• 6:26
  remember
• 6:27
  exactly
• 6:27
  how
• 6:27
  much,
• 6:27
  let's
• 6:28
  say
• 6:28
  it
• 6:28
  was
• 6:28
  a
• 6:28
  thousand
• 6:28
  dollars
• 6:29
  he
• 6:29
  put
• 6:29
  into
• 6:29
  the
• 6:29
  account.
• 6:29
  I'm
• 6:30
  thinking,
• 6:30
  well,
• 6:30
  dad,
• 6:31
  you
• 6:31
  told
• 6:31
  me
• 6:31
  to
• 6:31
  just
• 6:31
  take.
• 6:32
  And
• 6:32
  I
• 6:32
  please
• 6:32
  don't
• 6:33
  hold
• 6:33
  me
• 6:33
  to
• 6:33
  this.
• 6:33
  $25
• 6:34
  a
• 6:34
  week
• 6:34
  I
• 6:34
  think
• 6:35
  was
• 6:35
  my
• 6:35
  quote,
• 6:36
  stipend.
• 6:36
  And
• 6:37
  he
• 6:37
  says,
• 6:37
  okay,
• 6:37
  son,
• 6:38
  every
• 6:38
  Friday
• 6:38
  you
• 6:38
  can
• 6:39
  go
• 6:39
  to
• 6:39
  the
• 6:39
  bank.
• 6:39
  There
• 6:39
  was
• 6:40
  one
• 6:40
  right
• 6:40
  on
• 6:40
  campus
• 6:40
  and,
• 6:41
  and
• 6:41
  grab
• 6:41
  $25
• 6:42
  and
• 6:42
  that'll
• 6:42
  be
• 6:43
  your
• 6:43
  spending
• 6:43
  money
• 6:43
  for
• 6:43
  the
• 6:43
  week.
• 6:44
  And
• 6:44
  I
• 6:44
  thought,
• 6:44
  okay,
• 6:44
  that'll
• 6:45
  work.
• 6:45
  But
• 6:46
  then
• 6:46
  in
• 6:46
  the
• 6:46
  back
• 6:46
  of
• 6:46
  my
• 6:47
  mind
• 6:47
  I
• 6:47
  started
• 6:47
  to
• 6:48
  realize
• 6:48
  I'm
• 6:48
  spending
• 6:49
  more
• 6:49
  than
• 6:49
  I
• 6:49
  thought.
• 6:50
  So
• 6:50
  what
• 6:50
  did
• 6:51
  I
• 6:51
  start
• 6:51
  doing?
• 6:51
  I
• 6:52
  started
• 6:52
  going
• 6:52
  to
• 6:52
  the
• 6:52
  bank
• 6:53
  and
• 6:53
  getting
• 6:53
  not
• 6:53
  $25,
• 6:54
  but
• 6:55
  $50.
• 6:55
  And
• 6:55
  I
• 6:56
  said,
• 6:56
  oh,
• 6:56
  it's
• 6:56
  not
• 6:56
  a
• 6:56
  big
• 6:56
  deal,
• 6:57
  I'll
• 6:57
  find
• 6:57
  a
• 6:57
  little
• 6:57
  part
• 6:58
  time
• 6:58
  job
• 6:58
  and
• 6:58
  I'll
• 6:59
  put
• 6:59
  the
• 6:59
  money
• 6:59
  back.
• 7:00
  But
• 7:00
  it's
• 7:00
  so
• 7:00
  easy
• 7:01
  to
• 7:01
  not
• 7:01
  pay
• 7:02
  attention
• 7:02
  to
• 7:02
  those
• 7:03
  things.
• 7:03
  And
• 7:04
  so
• 7:04
  many
• 7:04
  people
• 7:04
  now
• 7:05
  at
• 7:05
  doordash
• 7:06
  and
• 7:06
  Starbucks
• 7:07
  and
• 7:07
  in
• 7:07
  delivery
• 7:08
  things.
• 7:08
  We
• 7:08
  didn't
• 7:08
  have
• 7:09
  that
• 7:09
  when
• 7:09
  I
• 7:09
  was
• 7:09
  going
• 7:09
  to
• 7:09
  college,
• 7:10
  but
• 7:10
  I,
• 7:10
  I
• 7:10
  see
• 7:11
  so
• 7:11
  many
• 7:11
  young
• 7:12
  people
• 7:12
  now
• 7:12
  making
• 7:12
  those
• 7:13
  decisions,
• 7:13
  they
• 7:13
  just
• 7:13
  swipe
• 7:14
  it
• 7:14
  and
• 7:14
  forget
• 7:14
  it.
• 7:15
  But
• 7:15
  that
• 7:16
  stuff
• 7:16
  adds
• 7:16
  up.
• 7:16
  I
• 7:17
  say
• 7:17
  on
• 7:17
  my
• 7:17
  show
• 7:17
  all
• 7:17
  the
• 7:18
  time,
• 7:18
  small
• 7:18
  leaks
• 7:19
  sink
• 7:19
  ships.
• 7:20
  And
• 7:21
  honestly,
• 7:21
  this
• 7:22
  is
• 7:22
  an
• 7:22
  area
• 7:22
  where
• 7:22
  you
• 7:23
  can
• 7:23
  really
• 7:23
  make
• 7:23
  some
• 7:23
  better
• 7:24
  choices.
• 7:25
  So
• 7:25
  that's
• 7:25
  why
• 7:25
  number
• 7:25
  four
• 7:26
  of
• 7:26
  my
• 7:26
  tips
• 7:26
  is
• 7:27
  make
• 7:27
  smart
• 7:27
  food
• 7:27
  and
• 7:28
  lifestyle
• 7:28
  choices.
• 7:29
  Hey,
• 7:29
  it's
• 7:29
  going
• 7:29
  to
• 7:29
  help
• 7:29
  you
• 7:30
  on
• 7:30
  your
• 7:30
  finances
• 7:31
  and
• 7:31
  at
• 7:31
  the
• 7:31
  same
• 7:32
  time
• 7:32
  it's
• 7:32
  going
• 7:33
  to
• 7:33
  keep
• 7:33
  you
• 7:33
  in
• 7:33
  better
• 7:34
  shape.
• 7:35
  And
• 7:35
  here's
• 7:35
  my
• 7:35
  fifth
• 7:36
  and
• 7:36
  final
• 7:36
  tip.
• 7:37
  And
• 7:37
  this
• 7:37
  is
• 7:37
  one
• 7:38
  I
• 7:38
  don't
• 7:38
  think
• 7:38
  we
• 7:38
  do
• 7:38
  a
• 7:38
  good
• 7:39
  job
• 7:39
  of
• 7:39
  in
• 7:39
  this
• 7:39
  country.
• 7:40
  This
• 7:40
  is
• 7:40
  a
• 7:41
  great
• 7:41
  time
• 7:41
  to
• 7:41
  build
• 7:42
  financial
• 7:42
  habits,
• 7:43
  not
• 7:43
  just
• 7:44
  your
• 7:44
  grades.
• 7:45
  So
• 7:45
  what
• 7:45
  I
• 7:45
  was
• 7:45
  telling
• 7:46
  you
• 7:46
  is
• 7:46
  I
• 7:46
  was
• 7:47
  grabbing
• 7:47
  a
• 7:47
  little
• 7:47
  extra
• 7:48
  money
• 7:48
  here
• 7:48
  and
• 7:48
  there
• 7:49
  and
• 7:49
  throughout
• 7:50
  the
• 7:50
  year.
• 7:50
  We
• 7:50
  got
• 7:50
  to
• 7:50
  the
• 7:50
  end
• 7:51
  of
• 7:51
  the
• 7:51
  year,
• 7:51
  my
• 7:51
  dad
• 7:51
  came
• 7:51
  back
• 7:52
  to
• 7:52
  pick
• 7:52
  me
• 7:52
  up
• 7:52
  in
• 7:52
  the
• 7:52
  spring
• 7:53
  and
• 7:53
  he
• 7:53
  said,
• 7:53
  well,
• 7:53
  let's
• 7:53
  go
• 7:53
  over
• 7:54
  to
• 7:54
  the
• 7:54
  bank
• 7:54
  and
• 7:54
  let's
• 7:55
  get
• 7:55
  the
• 7:55
  rest
• 7:55
  of
• 7:55
  the
• 7:55
  money
• 7:56
  out
• 7:56
  of
• 7:56
  the
• 7:56
  bank
• 7:56
  account.
• 7:57
  And
• 7:57
  I
• 7:58
  said
• 7:58
  to
• 7:58
  him,
• 7:58
  dad,
• 7:58
  well,
• 7:58
  I'm
• 7:59
  going
• 7:59
  to
• 7:59
  have
• 7:59
  to
• 7:59
  let
• 7:59
  you
• 7:59
  know
• 7:59
  something.
• 8:00
  There's
• 8:00
  not
• 8:01
  the
• 8:01
  money
• 8:01
  that
• 8:01
  you
• 8:01
  expected
• 8:02
  to
• 8:02
  be
• 8:02
  in
• 8:02
  there.
• 8:02
  He
• 8:03
  says,
• 8:03
  son,
• 8:04
  I
• 8:04
  expected
• 8:04
  that.
• 8:05
  He
• 8:06
  had
• 8:06
  already
• 8:06
  known
• 8:06
  he
• 8:07
  had
• 8:07
  been
• 8:07
  where
• 8:07
  I
• 8:07
  was
• 8:08
  before.
• 8:08
  And
• 8:08
  he
• 8:08
  said,
• 8:08
  I
• 8:09
  figured
• 8:09
  you
• 8:09
  were
• 8:09
  going
• 8:09
  to
• 8:10
  do
• 8:10
  that,
• 8:11
  so
• 8:11
  you
• 8:11
  got
• 8:11
  to
• 8:11
  build
• 8:12
  an
• 8:12
  emergency
• 8:13
  cushion
• 8:13
  as
• 8:13
  adults.
• 8:14
  We
• 8:14
  need
• 8:14
  to
• 8:14
  have
• 8:14
  that
• 8:15
  emergency
• 8:15
  fund.
• 8:16
  Well,
• 8:16
  one
• 8:16
  of
• 8:16
  the
• 8:16
  things
• 8:16
  I
• 8:16
  think
• 8:17
  that
• 8:17
  you
• 8:17
  really
• 8:17
  should
• 8:17
  do
• 8:18
  as
• 8:18
  a
• 8:18
  college
• 8:18
  student
• 8:19
  is
• 8:19
  have
• 8:20
  that
• 8:20
  emergency
• 8:21
  fund
• 8:21
  as
• 8:21
  well.
• 8:21
  Hey,
• 8:21
  one
• 8:22
  of
• 8:22
  the
• 8:22
  things
• 8:22
  you
• 8:22
  can
• 8:22
  do,
• 8:22
  just
• 8:23
  keep
• 8:23
  $20
• 8:24
  in
• 8:24
  your
• 8:24
  wallet
• 8:24
  or
• 8:24
  something
• 8:25
  like
• 8:25
  that
• 8:25
  and
• 8:26
  then
• 8:26
  really
• 8:26
  pay
• 8:26
  attention
• 8:27
  to
• 8:27
  where
• 8:28
  your
• 8:28
  money's
• 8:28
  going
• 8:28
  because
• 8:29
  listen,
• 8:30
  you're
• 8:30
  building
• 8:30
  long
• 8:31
  term
• 8:31
  habits.
• 8:32
  The
• 8:32
  decisions
• 8:33
  you
• 8:33
  make
• 8:33
  right
• 8:33
  now
• 8:34
  as
• 8:34
  you're
• 8:35
  in
• 8:35
  school
• 8:35
  are
• 8:36
  going
• 8:36
  to
• 8:36
  impact
• 8:36
  your
• 8:36
  credit
• 8:37
  score,
• 8:37
  they're
• 8:38
  going
• 8:38
  to
• 8:38
  impact
• 8:38
  your
• 8:38
  savings.
• 8:39
  You
• 8:39
  can
• 8:39
  put
• 8:40
  yourselves
• 8:40
  in
• 8:40
  a
• 8:40
  bad
• 8:41
  situation.
• 8:41
  I
• 8:41
  know
• 8:42
  so
• 8:42
  many
• 8:42
  people
• 8:43
  that
• 8:43
  graduate
• 8:43
  from
• 8:44
  college,
• 8:44
  not
• 8:44
  just
• 8:44
  with
• 8:45
  student
• 8:45
  debt,
• 8:45
  but
• 8:46
  with
• 8:46
  credit
• 8:46
  card
• 8:46
  debt.
• 8:47
  And
• 8:47
  I've
• 8:47
  seen
• 8:48
  so
• 8:48
  many
• 8:48
  people
• 8:48
  just
• 8:49
  a
• 8:49
  couple
• 8:49
  of
• 8:49
  years
• 8:50
  out
• 8:50
  of
• 8:50
  college
• 8:51
  filing
• 8:51
  bankruptcy
• 8:52
  because
• 8:53
  they
• 8:53
  built
• 8:53
  these
• 8:53
  bad
• 8:54
  habits
• 8:54
  in
• 8:55
  their
• 8:55
  20s
• 8:55
  and
• 8:56
  they
• 8:56
  did
• 8:56
  not
• 8:57
  know
• 8:57
  how
• 8:57
  to
• 8:57
  break
• 8:57
  free
• 8:58
  from
• 8:58
  them.
• 8:58
  So
• 8:58
  those
• 8:59
  are
• 8:59
  my
• 8:59
  five
• 8:59
  big
• 9:00
  tips
• 9:00
  of
• 9:01
  how
• 9:01
  to
• 9:01
  be
• 9:01
  successful
• 9:02
  as
• 9:02
  you
• 9:02
  start
• 9:03
  your
• 9:03
  college
• 9:03
  journey.
• 9:04
  So
• 9:04
  again,
• 9:05
  here's
• 9:05
  my
• 9:05
  top
• 9:06
  five
• 9:06
  budget.
• 9:07
  Keep
• 9:07
  an
• 9:07
  eye
• 9:07
  on
• 9:07
  your
• 9:08
  credit.
• 9:08
  Save
• 9:09
  money
• 9:09
  on
• 9:09
  supplies
• 9:10
  and
• 9:10
  textbooks.
• 9:11
  Keep
• 9:11
  an
• 9:11
  eye
• 9:11
  on
• 9:11
  your
• 9:12
  food,
• 9:12
  and
• 9:12
  build
• 9:13
  those
• 9:13
  financial
• 9:13
  habits
• 9:14
  that'll
• 9:14
  last
• 9:14
  a
• 9:15
  long
• 9:15
  time.
• 9:15
  And
• 9:16
  listen,
• 9:17
  you're
• 9:17
  not
• 9:17
  going
• 9:17
  to
• 9:17
  be
• 9:17
  perfect
• 9:18
  at
• 9:18
  this.
• 9:19
  No
• 9:19
  one
• 9:19
  is
• 9:19
  expecting
• 9:20
  perfection.
• 9:20
  I
• 9:20
  certainly
• 9:21
  wasn't.
• 9:21
  So
• 9:21
  if
• 9:21
  you
• 9:22
  learn
• 9:22
  from
• 9:22
  me,
• 9:22
  you
• 9:23
  know,
• 9:23
  you
• 9:23
  learn
• 9:23
  from
• 9:23
  your
• 9:24
  own
• 9:24
  mistakes.
• 9:24
  But
• 9:24
  here's
• 9:25
  the
• 9:25
  thing.
• 9:25
  You
• 9:25
  can
• 9:25
  be
• 9:26
  intentional.
• 9:27
  So
• 9:27
  I'm
• 9:27
  going
• 9:27
  to
• 9:27
  encourage
• 9:27
  you
• 9:28
  right
• 9:28
  now.
• 9:28
  Be
• 9:28
  intentional.
• 9:29
  Another
• 9:30
  thing
• 9:30
  I'm
• 9:30
  going
• 9:30
  to
• 9:30
  encourage
• 9:30
  you
• 9:30
  to
• 9:30
  do,
• 9:31
  you're
• 9:31
  watching
• 9:31
  this
• 9:31
  on
• 9:31
  YouTube.
• 9:32
  This
• 9:32
  would
• 9:32
  be
• 9:32
  a
• 9:33
  great
• 9:33
  episode
• 9:33
  to
• 9:34
  share
• 9:34
  with
• 9:34
  somebody
• 9:34
  else.
• 9:35
  You
• 9:35
  know,
• 9:35
  somebody
• 9:36
  who
• 9:36
  might
• 9:36
  be
• 9:36
  getting
• 9:37
  ready
• 9:37
  to
• 9:37
  go
• 9:37
  to
• 9:37
  school
• 9:37
  or
• 9:38
  is
• 9:38
  already
• 9:38
  in
• 9:38
  school
• 9:38
  and
• 9:38
  you
• 9:38
  know
• 9:39
  they're
• 9:39
  struggling.
• 9:40
  Send
• 9:40
  this
• 9:40
  episode
• 9:41
  to
• 9:41
  them.
• 9:41
  Say,
• 9:41
  hey,
• 9:41
  this
• 9:42
  is
• 9:42
  a
• 9:42
  great
• 9:42
  episode
• 9:43
  to
• 9:43
  help
• 9:43
  you
• 9:43
  get
• 9:43
  started
• 9:44
  on
• 9:44
  your
• 9:45
  college
• 9:45
  journey.
• 9:45
  If
• 9:45
  you're
• 9:46
  a
• 9:46
  parent
• 9:46
  or
• 9:46
  a
• 9:46
  grandparent,
• 9:47
  share
• 9:47
  it
• 9:47
  with
• 9:48
  your
• 9:48
  kids.
• 9:48
  Share
• 9:48
  it
• 9:49
  with
• 9:49
  your
• 9:49
  grandkids.
• 9:50
  And
• 9:50
  one
• 9:50
  more
• 9:51
  thing
• 9:51
  I'm
• 9:51
  going
• 9:51
  to
• 9:51
  encourage
• 9:51
  you
• 9:51
  to
• 9:52
  do.
• 9:52
  This
• 9:52
  is
• 9:52
  a
• 9:52
  Christian
• 9:53
  show.
• 9:54
  So
• 9:54
  one
• 9:54
  of
• 9:54
  the
• 9:54
  last
• 9:54
  things
• 9:55
  I
• 9:55
  want
• 9:55
  to
• 9:55
  encourage
• 9:55
  you,
• 9:55
  and
• 9:55
  I
• 9:55
  probably
• 9:56
  should
• 9:56
  have
• 9:56
  put
• 9:56
  this
• 9:56
  one
• 9:56
  first,
• 9:57
  is
• 9:57
  invite
• 9:58
  God
• 9:58
  into
• 9:59
  these
• 9:59
  decisions.
• 10:00
  God
• 10:00
  is
• 10:01
  there
• 10:01
  for
• 10:01
  you.
• 10:02
  You're
• 10:02
  going
• 10:02
  to
• 10:02
  be
• 10:02
  experiencing
• 10:03
  all
• 10:03
  kinds
• 10:03
  of
• 10:03
  new
• 10:04
  things
• 10:04
  around
• 10:04
  you.
• 10:04
  You're
• 10:05
  not
• 10:05
  going
• 10:05
  to
• 10:05
  know
• 10:05
  exactly
• 10:06
  what
• 10:06
  to
• 10:06
  do
• 10:06
  sometimes.
• 10:07
  This
• 10:07
  is
• 10:08
  a
• 10:08
  great
• 10:08
  time
• 10:08
  to
• 10:09
  just
• 10:09
  see
• 10:09
  to
• 10:09
  God.
• 10:09
  Hey,
• 10:10
  God,
• 10:10
  listen,
• 10:10
  help
• 10:11
  me
• 10:11
  in
• 10:11
  this
• 10:11
  journey.
• 10:12
  This
• 10:12
  is
• 10:13
  new
• 10:13
  to
• 10:13
  me.
• 10:14
  I've
• 10:14
  never
• 10:14
  been
• 10:14
  on
• 10:15
  my
• 10:15
  own
• 10:15
  like
• 10:15
  this.
• 10:16
  That
• 10:16
  safety
• 10:17
  blanket
• 10:17
  is
• 10:17
  there,
• 10:17
  Lord,
• 10:18
  but
• 10:18
  they're
• 10:18
  not
• 10:18
  right
• 10:18
  here
• 10:18
  in
• 10:18
  front
• 10:19
  of
• 10:19
  me
• 10:19
  all
• 10:19
  the
• 10:19
  time.
• 10:20
  So
• 10:20
  invite
• 10:20
  God
• 10:21
  into
• 10:21
  these
• 10:21
  money
• 10:22
  decisions
• 10:22
  and
• 10:23
  you
• 10:23
  will
• 10:23
  see
• 10:23
  he
• 10:24
  will
• 10:24
  help
• 10:24
  you
• 10:24
  through
• 10:24
  that
• 10:25
  process.
• 10:26
  Well,
• 10:26
  how
• 10:26
  about
• 10:26
  we
• 10:26
  pray
• 10:26
  together
• 10:27
  right
• 10:27
  now?
• 10:28
  Father
• 10:28
  God,
• 10:28
  we
• 10:29
  just
• 10:29
  thank
• 10:29
  you
• 10:29
  for
• 10:29
  the
• 10:29
  opportunity
• 10:30
  to
• 10:30
  grow
• 10:31
  and
• 10:31
  to
• 10:31
  journey
• 10:32
  out
• 10:32
  on
• 10:32
  our
• 10:32
  own,
• 10:32
  Lord.
• 10:33
  And
• 10:33
  as
• 10:34
  people
• 10:34
  are
• 10:34
  entering
• 10:35
  into
• 10:35
  college
• 10:35
  or
• 10:36
  they're
• 10:36
  going
• 10:36
  on
• 10:36
  their
• 10:37
  own
• 10:37
  for
• 10:37
  the
• 10:37
  first
• 10:38
  time,
• 10:38
  Lord,
• 10:38
  I
• 10:38
  just
• 10:39
  ask
• 10:39
  that
• 10:39
  you
• 10:39
  would
• 10:39
  be
• 10:39
  with
• 10:40
  them,
• 10:40
  Lord,
• 10:40
  and
• 10:40
  give
• 10:41
  them
• 10:41
  courage
• 10:41
  and
• 10:41
  give
• 10:42
  them
• 10:42
  strength
• 10:42
  and
• 10:43
  give
• 10:43
  them
• 10:43
  discernment
• 10:44
  as
• 10:44
  they
• 10:44
  try
• 10:45
  to
• 10:45
  decide
• 10:45
  how
• 10:45
  to
• 10:46
  navigate
• 10:46
  this,
• 10:46
  Lord,
• 10:47
  and.
• 10:47
  And
• 10:47
  help
• 10:47
  them
• 10:48
  to
• 10:48
  see
• 10:48
  you
• 10:48
  in
• 10:48
  all
• 10:49
  those
• 10:49
  things,
• 10:49
  Lord,
• 10:49
  that
• 10:49
  they
• 10:50
  don't
• 10:50
  have
• 10:50
  to
• 10:50
  be
• 10:50
  alone
• 10:51
  in
• 10:51
  this
• 10:51
  journey.
• 10:52
  Grant
• 10:52
  them
• 10:52
  wisdom,
• 10:53
  grant
• 10:53
  them
• 10:53
  foresight,
• 10:54
  Lord,
• 10:54
  and
• 10:55
  especially
• 10:55
  grant
• 10:56
  them
• 10:56
  grace,
• 10:56
  Lord,
• 10:56
  because
• 10:56
  they're
• 10:57
  going
• 10:57
  to
• 10:57
  make
• 10:57
  mistakes
• 10:57
  just
• 10:58
  like
• 10:58
  all
• 10:58
  of
• 10:58
  us
• 10:58
  have
• 10:59
  done.
• 10:59
  And
• 10:59
  we
• 10:59
  ask
• 11:00
  all
• 11:00
  these
• 11:00
  things
• 11:01
  in
• 11:01
  the
• 11:01
  name
• 11:01
  of
• 11:01
  Jesus.
• 11:02
  Amen.
• 11:03
  Again,
• 11:03
  thank
• 11:04
  you
• 11:04
  for
• 11:04
  joining
• 11:04
  me
• 11:04
  today.
• 11:05
  I
• 11:05
  hope
• 11:05
  you
• 11:05
  choose
• 11:06
  to
• 11:06
  join
• 11:06
  me.
• 11:06
  Every
• 11:07
  day
• 11:07
  I
• 11:07
  bring
• 11:07
  you
• 11:07
  another
• 11:08
  topic
• 11:08
  that
• 11:08
  helps
• 11:09
  you
• 11:09
  on
• 11:09
  your
• 11:09
  financial
• 11:10
  journey
• 11:10
  with
• 11:10
  the
• 11:10
  whole
• 11:11
  goal
• 11:11
  of
• 11:11
  breaking
• 11:12
  the
• 11:12
  cycle
• 11:12
  of
• 11:13
  financial
• 11:13
  shame
• 11:14
  and,
• 11:14
  and
• 11:14
  doing
• 11:14
  it
• 11:15
  with
• 11:15
  confidence.
• 11:15
  And
• 11:15
  this
• 11:15
  is
• 11:16
  a
• 11:16
  great
• 11:16
  time
• 11:16
  to
• 11:16
  start
• 11:17
  off
• 11:17
  on
• 11:17
  a
• 11:17
  foot
• 11:18
  of
• 11:18
  confidence.
• 11:18
  So,
• 11:19
  again,
• 11:19
  have
• 11:19
  a
• 11:19
  great
• 11:20
  day.
• 11:20
  God
• 11:20
  bless
• 11:20
  you,
• 11:21
  and
• 11:21
  I'll
• 11:21
  see
• 11:21
  you
• 11:21
  next
• 11:22
  time
• 11:22
  on
• 11:22
  the
• 11:22
  show.