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Do Cash Advance Apps Actually Hurt When Money Is Tight? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  caught
• 0:38
  yourself
• 0:38
  staring
• 0:39
  at
• 0:39
  your
• 0:39
  balance?
• 0:40
  You're
• 0:41
  three
• 0:41
  days
• 0:41
  from
• 0:41
  payday,
• 0:42
  and
• 0:42
  the
• 0:43
  math
• 0:43
  just
• 0:43
  does
• 0:44
  not
• 0:45
  work.
• 0:46
  And
• 0:46
  then
• 0:46
  a
• 0:46
  cash
• 0:47
  advance
• 0:47
  app
• 0:48
  shows
• 0:48
  up
• 0:48
  like
• 0:48
  a
• 0:49
  rescue
• 0:49
  rope.
• 0:50
  But
• 0:50
  you're
• 0:51
  wondering
• 0:51
  to
• 0:51
  yourself,
• 0:52
  is
• 0:53
  this
• 0:53
  help
• 0:54
  or
• 0:54
  is
• 0:54
  it
• 0:55
  just
• 0:55
  a
• 0:55
  trap?
• 0:57
  So
• 0:57
  today
• 0:57
  on
• 0:57
  the
• 0:57
  show,
• 0:58
  I
• 0:58
  want
• 0:58
  to
• 0:58
  talk
• 0:58
  about
• 0:58
  what
• 0:58
  you
• 0:58
  can
• 0:59
  do
• 0:59
  next
• 0:59
  to
• 0:59
  get
• 1:00
  through
• 1:00
  this
• 1:00
  tight
• 1:00
  moment
• 1:01
  without
• 1:02
  digging
• 1:02
  a
• 1:02
  deeper
• 1:03
  hole
• 1:03
  for
• 1:03
  yourself.
• 1:26
  Hey,
• 1:26
  friend.
• 1:26
  Ralph
• 1:26
  Estep
• 1:27
  Jr.
• 1:27
  Here.
• 1:28
  This
• 1:28
  is
• 1:28
  Financially
• 1:29
  Confident
• 1:29
  Christian,
• 1:30
  where
• 1:30
  we're
• 1:31
  breaking
• 1:31
  the
• 1:31
  cycle
• 1:31
  of
• 1:32
  financial
• 1:32
  shame
• 1:33
  and
• 1:33
  doing
• 1:34
  it
• 1:34
  with
• 1:34
  confidence.
• 1:35
  And
• 1:36
  today's
• 1:36
  topic
• 1:36
  hits
• 1:37
  home
• 1:37
  for
• 1:37
  so
• 1:37
  many
• 1:37
  of
• 1:38
  us.
• 1:38
  Those
• 1:38
  cash
• 1:39
  advance
• 1:39
  apps
• 1:40
  and
• 1:41
  whether
• 1:41
  to
• 1:41
  help
• 1:41
  us
• 1:42
  or
• 1:42
  hurt
• 1:43
  us.
• 1:43
  But
• 1:43
  bigger
• 1:43
  than
• 1:43
  that,
• 1:44
  what
• 1:45
  to
• 1:45
  do
• 1:45
  instead
• 1:46
  when
• 1:46
  money
• 1:47
  is
• 1:47
  tight.
• 1:48
  Well,
• 1:48
  let's
• 1:48
  get
• 1:48
  right
• 1:49
  to
• 1:49
  today's
• 1:49
  listener
• 1:50
  question.
• 1:51
  Ralph,
• 1:52
  I'm
• 1:52
  barely
• 1:53
  making
• 1:53
  it
• 1:53
  to
• 1:53
  payday
• 1:54
  each
• 1:54
  month,
• 1:55
  and
• 1:55
  now
• 1:56
  I'm
• 1:56
  thinking
• 1:56
  about
• 1:56
  using
• 1:57
  one
• 1:57
  of
• 1:57
  those
• 1:57
  cash
• 1:57
  advance
• 1:58
  apps.
• 2:00
  I
• 2:00
  know
• 2:00
  it
• 2:00
  sounds
• 2:01
  desperate,
• 2:02
  but
• 2:02
  I
• 2:02
  don't
• 2:02
  know
• 2:02
  what
• 2:03
  else
• 2:03
  to
• 2:03
  do
• 2:03
  at
• 2:03
  this
• 2:03
  point.
• 2:05
  My
• 2:05
  concern
• 2:06
  is
• 2:06
  this.
• 2:07
  Is
• 2:07
  this
• 2:08
  going
• 2:08
  to
• 2:08
  help
• 2:08
  me
• 2:09
  or
• 2:09
  just
• 2:10
  dig
• 2:10
  a
• 2:10
  deeper
• 2:11
  hole?
• 2:12
  What
• 2:12
  should
• 2:13
  I
• 2:13
  do?
• 2:15
  I
• 2:15
  feel
• 2:15
  for
• 2:16
  you
• 2:16
  on
• 2:16
  this
• 2:16
  one.
• 2:17
  I
• 2:17
  want
• 2:17
  to
• 2:17
  tell
• 2:17
  you
• 2:17
  in
• 2:17
  a
• 2:18
  moment
• 2:18
  about
• 2:18
  how
• 2:18
  I
• 2:18
  fell
• 2:19
  victim
• 2:19
  to
• 2:19
  these
• 2:19
  as
• 2:20
  well.
• 2:20
  But
• 2:20
  you've
• 2:20
  got
• 2:20
  a
• 2:20
  great
• 2:21
  question,
• 2:21
  and
• 2:22
  I
• 2:22
  am
• 2:22
  so
• 2:22
  glad
• 2:22
  you
• 2:23
  asked.
• 2:23
  I'm
• 2:23
  so
• 2:23
  glad
• 2:24
  you've
• 2:24
  been
• 2:24
  vulnerable
• 2:25
  here
• 2:25
  because
• 2:26
  I
• 2:26
  feel
• 2:26
  like
• 2:26
  this
• 2:27
  is
• 2:27
  something
• 2:27
  that
• 2:27
  a
• 2:28
  lot
• 2:28
  of
• 2:28
  people
• 2:28
  face
• 2:29
  on
• 2:30
  a
• 2:30
  daily
• 2:30
  basis.
• 2:31
  Sounds
• 2:31
  like
• 2:31
  for
• 2:32
  you,
• 2:32
  it's
• 2:32
  every
• 2:32
  month.
• 2:34
  And
• 2:34
  in
• 2:35
  a
• 2:35
  lot
• 2:35
  of
• 2:35
  ways,
• 2:35
  a
• 2:36
  cash
• 2:36
  advance
• 2:36
  can
• 2:37
  feel
• 2:37
  like
• 2:37
  relief.
• 2:39
  It's
• 2:40
  an
• 2:40
  immediate,
• 2:40
  you
• 2:40
  know,
• 2:41
  it
• 2:41
  solves
• 2:41
  an
• 2:41
  immediate
• 2:42
  problem.
• 2:43
  I
• 2:43
  can't
• 2:44
  disagree
• 2:44
  with
• 2:44
  that.
• 2:44
  It
• 2:44
  does
• 2:45
  solve
• 2:45
  an
• 2:45
  immediate
• 2:45
  problem,
• 2:47
  but
• 2:47
  it's
• 2:47
  that
• 2:48
  repayment
• 2:48
  squeeze
• 2:49
  which
• 2:49
  usually
• 2:49
  hurts
• 2:50
  us.
• 2:52
  Which
• 2:52
  means
• 2:52
  I
• 2:52
  want
• 2:52
  to
• 2:52
  share
• 2:53
  a
• 2:53
  story
• 2:53
  with
• 2:53
  you
• 2:53
  because
• 2:53
  I
• 2:54
  can
• 2:54
  lean
• 2:54
  into
• 2:54
  this
• 2:54
  one
• 2:54
  because
• 2:55
  this
• 2:55
  is
• 2:55
  something
• 2:55
  I've
• 2:56
  been
• 2:56
  in
• 2:56
  myself.
• 2:56
  I
• 2:56
  remember
• 2:57
  when
• 2:57
  I
• 2:57
  just
• 2:57
  graduated
• 2:58
  from
• 2:58
  college
• 2:59
  and
• 3:00
  back
• 3:00
  then,
• 3:00
  back
• 3:00
  in
• 3:01
  the
• 3:01
  Stone
• 3:01
  Age,
• 3:01
  as
• 3:02
  they
• 3:02
  say,
• 3:03
  what
• 3:03
  they
• 3:03
  used
• 3:03
  to
• 3:03
  do
• 3:04
  then
• 3:04
  is
• 3:04
  they
• 3:04
  didn't
• 3:04
  have
• 3:04
  apps.
• 3:05
  We
• 3:05
  didn't
• 3:05
  have
• 3:05
  an
• 3:06
  iPhone
• 3:06
  or
• 3:06
  anything
• 3:06
  like
• 3:07
  that
• 3:07
  back
• 3:07
  in
• 3:07
  the
• 3:07
  90s,
• 3:09
  but
• 3:09
  they
• 3:09
  used
• 3:09
  to
• 3:09
  do
• 3:10
  this
• 3:10
  thing
• 3:10
  where
• 3:10
  they
• 3:10
  would
• 3:10
  send
• 3:11
  out
• 3:11
  these
• 3:11
  checks.
• 3:11
  They
• 3:12
  would
• 3:12
  just
• 3:12
  send
• 3:12
  a
• 3:12
  check
• 3:12
  in
• 3:13
  the
• 3:13
  mail.
• 3:13
  I'm
• 3:13
  not
• 3:13
  sure
• 3:13
  where
• 3:13
  they
• 3:14
  got
• 3:14
  the
• 3:14
  information
• 3:15
  at
• 3:16
  this
• 3:16
  point.
• 3:16
  I
• 3:16
  think
• 3:16
  it
• 3:16
  was
• 3:16
  sort
• 3:17
  of
• 3:17
  like
• 3:17
  they
• 3:17
  knew
• 3:17
  there
• 3:17
  was
• 3:17
  blood
• 3:18
  in
• 3:18
  the
• 3:18
  water,
• 3:18
  for
• 3:19
  lack
• 3:19
  of
• 3:19
  a
• 3:19
  better
• 3:19
  way
• 3:19
  of
• 3:20
  saying
• 3:20
  it,
• 3:20
  but
• 3:20
  they
• 3:20
  would
• 3:20
  send
• 3:21
  out
• 3:21
  these
• 3:21
  checks.
• 3:21
  And
• 3:21
  I'll
• 3:21
  never
• 3:22
  forget
• 3:22
  the
• 3:22
  first
• 3:22
  time
• 3:22
  I
• 3:23
  got
• 3:23
  when
• 3:23
  I
• 3:24
  just
• 3:24
  bought
• 3:24
  a
• 3:24
  townhouse.
• 3:25
  I
• 3:25
  was
• 3:25
  about
• 3:26
  23
• 3:26
  years
• 3:26
  old
• 3:27
  and
• 3:27
  things
• 3:28
  were
• 3:28
  tight.
• 3:28
  I
• 3:28
  mean,
• 3:29
  I
• 3:29
  was
• 3:29
  having
• 3:29
  a
• 3:29
  hard
• 3:30
  time
• 3:30
  making
• 3:30
  ends
• 3:30
  meet.
• 3:31
  I
• 3:31
  was
• 3:31
  getting
• 3:31
  paid
• 3:32
  bi
• 3:32
  weekly,
• 3:33
  and
• 3:33
  it
• 3:33
  seemed
• 3:33
  like
• 3:34
  every
• 3:34
  paycheck
• 3:35
  was
• 3:35
  already
• 3:35
  spent
• 3:35
  before
• 3:36
  I
• 3:36
  even
• 3:36
  got
• 3:36
  it.
• 3:37
  Never
• 3:37
  forget,
• 3:38
  I
• 3:38
  went
• 3:38
  out
• 3:38
  and
• 3:38
  got
• 3:38
  the
• 3:38
  mail.
• 3:39
  And
• 3:39
  in
• 3:39
  the
• 3:40
  mail
• 3:40
  was
• 3:40
  a
• 3:40
  check.
• 3:40
  And
• 3:40
  I'm
• 3:41
  thinking,
• 3:41
  wow,
• 3:41
  this
• 3:41
  is
• 3:41
  cool.
• 3:42
  I
• 3:42
  got
• 3:42
  a
• 3:42
  check
• 3:42
  today.
• 3:43
  And
• 3:43
  I
• 3:43
  open
• 3:44
  up
• 3:44
  the
• 3:44
  thing
• 3:44
  and
• 3:44
  it's
• 3:44
  a
• 3:45
  check
• 3:45
  for
• 3:45
  $1,500.
• 3:47
  I'm
• 3:47
  thinking
• 3:47
  to
• 3:48
  myself,
• 3:48
  well,
• 3:48
  who
• 3:48
  would
• 3:48
  have
• 3:49
  sent
• 3:49
  me
• 3:49
  $1,500?
• 3:50
  And
• 3:50
  I'm
• 3:50
  looking
• 3:51
  at
• 3:51
  it,
• 3:51
  and
• 3:51
  of
• 3:51
  course
• 3:51
  attached
• 3:52
  to,
• 3:52
  they've
• 3:52
  got
• 3:52
  a
• 3:52
  nice
• 3:52
  letter.
• 3:53
  And
• 3:53
  you
• 3:53
  know,
• 3:54
  we,
• 3:54
  we
• 3:54
  know
• 3:54
  sometimes
• 3:55
  you're
• 3:55
  struggling
• 3:55
  with
• 3:56
  your
• 3:56
  finances.
• 3:57
  So
• 3:57
  here's
• 3:57
  a
• 3:57
  check
• 3:58
  for
• 3:58
  fifteen
• 3:58
  hundred
• 3:58
  dollars.
• 3:59
  And
• 3:59
  all
• 3:59
  you've
• 3:59
  got
• 3:59
  to
• 3:59
  do
• 4:00
  is
• 4:01
  just
• 4:01
  sign
• 4:01
  the
• 4:01
  back
• 4:02
  of
• 4:02
  this
• 4:02
  check
• 4:02
  and
• 4:02
  put
• 4:02
  it
• 4:02
  right
• 4:03
  in
• 4:03
  your
• 4:03
  bank
• 4:03
  account.
• 4:04
  And
• 4:04
  of
• 4:04
  course,
• 4:05
  you
• 4:05
  know,
• 4:05
  I
• 4:05
  can't
• 4:05
  say
• 4:05
  they
• 4:06
  didn't
• 4:06
  disclose
• 4:07
  the
• 4:07
  pertinent
• 4:07
  things.
• 4:08
  Oh,
• 4:08
  here's
• 4:08
  the
• 4:08
  interest
• 4:09
  rate.
• 4:09
  But
• 4:09
  honestly,
• 4:10
  I
• 4:10
  didn't
• 4:10
  think
• 4:10
  about
• 4:10
  any
• 4:10
  of
• 4:11
  those
• 4:11
  things
• 4:11
  because
• 4:11
  I
• 4:11
  saw
• 4:12
  $1500
• 4:13
  and
• 4:13
  I
• 4:13
  said,
• 4:14
  that
• 4:14
  solves
• 4:14
  an
• 4:15
  immediate
• 4:15
  need.
• 4:15
  I'm
• 4:16
  always
• 4:16
  feeling
• 4:16
  like
• 4:16
  I'm
• 4:16
  behind.
• 4:18
  Well,
• 4:18
  here's
• 4:18
  the
• 4:18
  problem
• 4:18
  with
• 4:19
  that.
• 4:20
  That
• 4:20
  first
• 4:20
  check
• 4:21
  led
• 4:21
  to
• 4:21
  the
• 4:22
  second
• 4:22
  check.
• 4:22
  Cause
• 4:22
  I'll
• 4:22
  never
• 4:23
  forget,
• 4:23
  about
• 4:23
  30
• 4:23
  days
• 4:24
  later,
• 4:24
  here
• 4:25
  I
• 4:25
  am
• 4:25
  in
• 4:25
  that
• 4:25
  same
• 4:25
  spot
• 4:26
  again.
• 4:26
  Somehow
• 4:27
  my
• 4:27
  budget
• 4:28
  took
• 4:28
  in
• 4:29
  that
• 4:29
  fifteen
• 4:29
  hundred
• 4:29
  dollars,
• 4:30
  but
• 4:31
  it
• 4:31
  was
• 4:31
  still
• 4:31
  short
• 4:32
  again,
• 4:33
  so
• 4:33
  it
• 4:33
  seemed
• 4:33
  like
• 4:33
  clockwork,
• 4:34
  not
• 4:34
  30
• 4:35
  or
• 4:35
  45
• 4:35
  days.
• 4:36
  Here
• 4:36
  comes
• 4:37
  another
• 4:37
  check.
• 4:37
  Now,
• 4:37
  this
• 4:38
  one
• 4:38
  was
• 4:38
  from
• 4:38
  another
• 4:38
  company,
• 4:39
  and
• 4:39
  this
• 4:40
  check
• 4:40
  was
• 4:40
  for
• 4:40
  $3,000.
• 4:41
  I'm
• 4:41
  thinking,
• 4:42
  wow,
• 4:42
  another
• 4:42
  bailout.
• 4:44
  So
• 4:44
  now,
• 4:44
  of
• 4:44
  course,
• 4:45
  what
• 4:45
  did
• 4:45
  I
• 4:45
  do?
• 4:45
  I
• 4:46
  signed
• 4:46
  the
• 4:46
  back
• 4:46
  of
• 4:46
  that
• 4:46
  check,
• 4:47
  put
• 4:47
  it
• 4:47
  in
• 4:47
  my
• 4:47
  bank
• 4:47
  account,
• 4:48
  said,
• 4:48
  well,
• 4:48
  you
• 4:48
  know
• 4:48
  what,
• 4:49
  this
• 4:49
  is
• 4:49
  going
• 4:49
  to
• 4:49
  work
• 4:49
  because
• 4:49
  this
• 4:50
  will
• 4:50
  finally
• 4:50
  be
• 4:50
  that
• 4:51
  little
• 4:51
  bit
• 4:51
  I
• 4:51
  need
• 4:52
  to
• 4:52
  get
• 4:52
  me
• 4:52
  over
• 4:52
  the
• 4:52
  top.
• 4:54
  Well,
• 4:54
  needless
• 4:54
  to
• 4:55
  say,
• 4:55
  this
• 4:55
  grew
• 4:55
  to
• 4:55
  about
• 4:56
  $7,500
• 4:57
  at
• 4:57
  one
• 4:58
  point.
• 4:58
  And
• 4:59
  that's
• 4:59
  when
• 4:59
  I
• 4:59
  finally
• 5:00
  said,
• 5:00
  something's
• 5:00
  got
• 5:01
  to
• 5:01
  give
• 5:01
  here.
• 5:02
  So
• 5:02
  if
• 5:02
  you're
• 5:03
  feeling
• 5:03
  this
• 5:03
  right
• 5:04
  now,
• 5:04
  the
• 5:05
  thing
• 5:05
  is,
• 5:05
  right
• 5:05
  now,
• 5:05
  it's
• 5:06
  so
• 5:06
  easy
• 5:06
  with
• 5:06
  these
• 5:06
  bank
• 5:07
  apps.
• 5:07
  You
• 5:07
  can
• 5:07
  go
• 5:07
  right
• 5:07
  on
• 5:07
  your
• 5:08
  phone
• 5:08
  and
• 5:08
  you
• 5:08
  can
• 5:08
  get
• 5:09
  these
• 5:09
  loans
• 5:09
  simply.
• 5:10
  I
• 5:10
  had
• 5:10
  a
• 5:10
  little
• 5:10
  friction
• 5:11
  because
• 5:11
  at
• 5:11
  least
• 5:11
  I
• 5:11
  had
• 5:12
  to
• 5:12
  wait
• 5:12
  for
• 5:12
  them
• 5:12
  to
• 5:12
  send
• 5:12
  me
• 5:13
  a
• 5:13
  check.
• 5:14
  But
• 5:14
  if
• 5:14
  you're
• 5:14
  feeling
• 5:15
  this
• 5:15
  right
• 5:15
  now,
• 5:15
  let
• 5:15
  me
• 5:15
  talk
• 5:16
  to
• 5:16
  you
• 5:16
  about
• 5:16
  how
• 5:16
  to
• 5:17
  really
• 5:17
  work
• 5:17
  through
• 5:17
  this.
• 5:18
  The
• 5:18
  first
• 5:19
  thing
• 5:19
  you've
• 5:19
  got
• 5:19
  to
• 5:19
  do
• 5:19
  is
• 5:20
  you've
• 5:20
  got
• 5:20
  to
• 5:20
  name
• 5:20
  the
• 5:21
  real
• 5:21
  problem.
• 5:22
  And
• 5:22
  this
• 5:22
  is
• 5:22
  the
• 5:23
  thing
• 5:23
  that
• 5:23
  I
• 5:23
  ignored.
• 5:25
  The
• 5:25
  real
• 5:25
  problem
• 5:25
  Is
• 5:26
  either
• 5:26
  it's
• 5:26
  a
• 5:26
  short
• 5:26
  term
• 5:27
  gap
• 5:27
  or
• 5:28
  it's
• 5:28
  an
• 5:28
  ongoing
• 5:29
  shortage.
• 5:30
  Let
• 5:30
  me
• 5:30
  lean
• 5:30
  into
• 5:30
  that
• 5:31
  a
• 5:31
  little
• 5:31
  bit.
• 5:32
  A
• 5:32
  short
• 5:32
  term
• 5:33
  gap
• 5:33
  is
• 5:33
  a
• 5:33
  one
• 5:34
  time
• 5:34
  emergency.
• 5:35
  Things
• 5:36
  like
• 5:36
  I
• 5:36
  wasn't
• 5:36
  expecting
• 5:37
  to
• 5:37
  pay
• 5:38
  for
• 5:38
  medication,
• 5:39
  I
• 5:39
  missed
• 5:40
  a
• 5:40
  day
• 5:40
  at
• 5:40
  work
• 5:40
  because
• 5:40
  I
• 5:41
  was
• 5:41
  ill.
• 5:41
  Something
• 5:41
  came
• 5:42
  up,
• 5:42
  a
• 5:42
  car
• 5:42
  repair,
• 5:43
  something
• 5:43
  along
• 5:43
  those
• 5:43
  lines.
• 5:44
  Just
• 5:44
  those
• 5:44
  one
• 5:45
  off
• 5:45
  things,
• 5:45
  those
• 5:45
  emergency
• 5:46
  things.
• 5:47
  That's
• 5:47
  the
• 5:48
  short
• 5:48
  term
• 5:48
  gap.
• 5:49
  But
• 5:50
  that
• 5:50
  wasn't
• 5:50
  what
• 5:50
  I
• 5:50
  was
• 5:50
  dealing
• 5:51
  with.
• 5:52
  For
• 5:52
  me,
• 5:53
  it
• 5:53
  was
• 5:53
  an
• 5:53
  ongoing
• 5:54
  shortage.
• 5:55
  It
• 5:55
  was
• 5:55
  every
• 5:55
  paycheck
• 5:56
  I
• 5:56
  was
• 5:56
  always
• 5:56
  behind,
• 5:57
  every
• 5:57
  month
• 5:57
  I
• 5:57
  was
• 5:58
  going
• 5:58
  behind.
• 5:59
  And
• 6:00
  here's
• 6:00
  the
• 6:00
  problem
• 6:01
  and
• 6:01
  I'm
• 6:01
  going
• 6:01
  to
• 6:02
  lay
• 6:02
  it
• 6:02
  down
• 6:02
  as
• 6:02
  clearly
• 6:03
  as
• 6:03
  I
• 6:03
  can
• 6:03
  lay
• 6:03
  it
• 6:04
  down.
• 6:04
  If
• 6:05
  this
• 6:05
  is
• 6:05
  an
• 6:05
  ongoing
• 6:06
  problem,
• 6:07
  an
• 6:08
  advance
• 6:08
  often
• 6:09
  just
• 6:09
  becomes
• 6:09
  a
• 6:09
  cycle.
• 6:10
  You
• 6:10
  mentioned
• 6:11
  in
• 6:11
  your
• 6:11
  question,
• 6:11
  am
• 6:11
  I
• 6:11
  digging
• 6:12
  the
• 6:12
  hole
• 6:12
  deeper?
• 6:13
  Yes,
• 6:13
  unfortunately,
• 6:14
  at
• 6:14
  that
• 6:14
  point,
• 6:15
  if
• 6:15
  this
• 6:15
  is
• 6:15
  a
• 6:16
  one
• 6:16
  off,
• 6:16
  a
• 6:17
  true
• 6:17
  emergency,
• 6:18
  maybe
• 6:19
  there's
• 6:19
  a
• 6:19
  place
• 6:19
  for
• 6:19
  these.
• 6:20
  But
• 6:20
  man,
• 6:20
  if
• 6:20
  this
• 6:20
  is
• 6:20
  an
• 6:21
  ongoing
• 6:22
  problem,
• 6:23
  month
• 6:23
  after
• 6:23
  month,
• 6:23
  paycheck
• 6:24
  after
• 6:24
  paycheck,
• 6:25
  that's
• 6:26
  a
• 6:26
  cycle.
• 6:26
  What
• 6:27
  really
• 6:27
  costing
• 6:27
  you
• 6:28
  against
• 6:28
  that?
• 6:28
  But
• 6:29
  let's
• 6:29
  say
• 6:29
  you
• 6:29
  decide,
• 6:30
  hey,
• 6:30
  this
• 6:31
  is
• 6:31
  a
• 6:31
  one
• 6:31
  off.
• 6:31
  This
• 6:32
  is
• 6:32
  something
• 6:32
  I
• 6:32
  think
• 6:32
  I
• 6:33
  need
• 6:33
  to
• 6:33
  do.
• 6:33
  Ralph,
• 6:34
  the
• 6:34
  next
• 6:34
  thing
• 6:35
  I
• 6:35
  want
• 6:35
  you
• 6:35
  to
• 6:35
  do
• 6:35
  is
• 6:36
  read
• 6:36
  the
• 6:36
  true
• 6:37
  cost.
• 6:38
  I'm
• 6:38
  talking
• 6:38
  about
• 6:39
  the
• 6:39
  true
• 6:39
  cost
• 6:40
  of
• 6:40
  this
• 6:41
  before
• 6:42
  you
• 6:42
  even
• 6:42
  touch
• 6:42
  it.
• 6:43
  See,
• 6:43
  when
• 6:43
  I
• 6:43
  got
• 6:43
  that
• 6:44
  check,
• 6:45
  that
• 6:45
  check
• 6:45
  piqued
• 6:46
  my
• 6:46
  curiosity.
• 6:47
  I
• 6:47
  saw
• 6:47
  the
• 6:47
  amount
• 6:48
  and
• 6:48
  I
• 6:48
  didn't
• 6:48
  really
• 6:48
  think
• 6:49
  about
• 6:49
  the
• 6:49
  true
• 6:49
  cost
• 6:50
  of
• 6:50
  this.
• 6:51
  But
• 6:51
  with
• 6:51
  these
• 6:51
  apps,
• 6:52
  it's
• 6:52
  even
• 6:52
  a
• 6:52
  little
• 6:52
  bit
• 6:52
  more
• 6:53
  sinister.
• 6:53
  There's
• 6:54
  fees,
• 6:54
  there's
• 6:55
  tips.
• 6:56
  A
• 6:56
  lot
• 6:56
  of
• 6:56
  times
• 6:56
  you
• 6:57
  have
• 6:57
  to
• 6:57
  subscribe
• 6:57
  to
• 6:58
  this
• 6:58
  app.
• 6:59
  A
• 6:59
  lot
• 6:59
  of
• 6:59
  times
• 6:59
  there's
• 7:00
  an
• 7:00
  instant
• 7:00
  transfer
• 7:01
  charge.
• 7:01
  A
• 7:01
  lot
• 7:01
  of
• 7:01
  these
• 7:02
  work
• 7:02
  like
• 7:02
  this.
• 7:02
  Like
• 7:02
  they
• 7:03
  might
• 7:03
  say,
• 7:03
  hey,
• 7:03
  we're
• 7:04
  going
• 7:04
  to
• 7:04
  give
• 7:04
  you
• 7:04
  an
• 7:04
  advance
• 7:04
  for
• 7:05
  a
• 7:05
  thousand
• 7:05
  dollars.
• 7:05
  But
• 7:06
  guess
• 7:06
  what,
• 7:06
  you're
• 7:06
  only
• 7:07
  getting
• 7:07
  $800
• 7:07
  because
• 7:08
  we're
• 7:08
  going
• 7:08
  to
• 7:08
  take
• 7:08
  our
• 7:08
  200
• 7:09
  doll
• 7:10
  right
• 7:10
  from
• 7:10
  the
• 7:10
  beginning.
• 7:11
  And
• 7:12
  then
• 7:12
  you've
• 7:12
  really
• 7:12
  got
• 7:13
  to
• 7:13
  lean
• 7:13
  into
• 7:13
  what
• 7:13
  are
• 7:14
  the
• 7:14
  repayment
• 7:14
  timing
• 7:15
  things.
• 7:16
  Is
• 7:16
  the
• 7:16
  repayment
• 7:17
  of
• 7:17
  this
• 7:17
  going
• 7:17
  to
• 7:17
  hit
• 7:17
  before
• 7:17
  your
• 7:18
  rent
• 7:18
  is
• 7:18
  due
• 7:19
  or
• 7:19
  before
• 7:19
  your
• 7:19
  groceries
• 7:20
  are
• 7:20
  due?
• 7:20
  A
• 7:20
  lot
• 7:20
  of
• 7:20
  these
• 7:21
  are
• 7:21
  short
• 7:21
  term.
• 7:21
  They're
• 7:21
  like
• 7:22
  a
• 7:22
  what
• 7:22
  they
• 7:22
  call
• 7:22
  a
• 7:22
  payday
• 7:23
  advance.
• 7:24
  You
• 7:24
  might
• 7:24
  be
• 7:25
  getting
• 7:25
  that
• 7:25
  next
• 7:25
  paycheck
• 7:26
  and
• 7:26
  this
• 7:27
  money
• 7:27
  is
• 7:27
  going
• 7:27
  to
• 7:27
  be
• 7:27
  drafted
• 7:28
  from
• 7:28
  your
• 7:28
  account.
• 7:28
  You
• 7:29
  might
• 7:29
  find
• 7:29
  yourself
• 7:30
  right
• 7:30
  in
• 7:30
  that
• 7:30
  same
• 7:30
  place.
• 7:31
  You
• 7:31
  might
• 7:31
  trigger
• 7:31
  an
• 7:32
  overdraft
• 7:32
  on
• 7:32
  that
• 7:33
  advance.
• 7:34
  That's
• 7:34
  a
• 7:34
  huge
• 7:34
  red
• 7:35
  flag.
• 7:37
  So
• 7:37
  think
• 7:37
  about
• 7:37
  this.
• 7:38
  Read
• 7:38
  the
• 7:38
  true
• 7:38
  cost,
• 7:39
  understand
• 7:39
  exactly
• 7:40
  what
• 7:40
  you're
• 7:40
  getting
• 7:40
  at.
• 7:42
  And
• 7:42
  if
• 7:43
  you
• 7:43
  use
• 7:43
  one
• 7:43
  of
• 7:43
  These,
• 7:45
  listen
• 7:45
  to
• 7:45
  me
• 7:45
  on
• 7:46
  this.
• 7:46
  Treat
• 7:47
  it
• 7:47
  like
• 7:47
  a
• 7:47
  temporary
• 7:48
  bridge
• 7:49
  with
• 7:49
  some
• 7:49
  real
• 7:49
  strong
• 7:50
  guardrails.
• 7:51
  Borrow
• 7:52
  the
• 7:52
  smallest
• 7:52
  amount.
• 7:53
  That
• 7:53
  solves
• 7:53
  one
• 7:54
  urgent
• 7:54
  need.
• 7:55
  This
• 7:55
  isn't
• 7:55
  a
• 7:55
  time
• 7:55
  for
• 7:56
  a
• 7:56
  bailout.
• 7:57
  This
• 7:57
  isn't
• 7:57
  a
• 7:57
  time
• 7:58
  for
• 7:58
  a
• 7:58
  consolidation.
• 7:59
  There
• 7:59
  are
• 7:59
  other
• 7:59
  things
• 7:59
  that
• 8:00
  we
• 8:00
  may
• 8:00
  talk
• 8:00
  about
• 8:00
  in
• 8:00
  another
• 8:01
  episode.
• 8:02
  This
• 8:02
  is
• 8:02
  not
• 8:02
  the
• 8:02
  time
• 8:02
  to
• 8:03
  consolidate.
• 8:04
  Pick
• 8:04
  just
• 8:05
  one
• 8:05
  advance
• 8:05
  only.
• 8:06
  No
• 8:06
  stacking
• 8:06
  of
• 8:07
  these.
• 8:07
  That's
• 8:07
  what
• 8:07
  I
• 8:07
  was
• 8:07
  doing.
• 8:07
  I
• 8:08
  was
• 8:08
  stacking.
• 8:09
  Stack
• 8:09
  after
• 8:09
  one
• 8:10
  and
• 8:10
  the
• 8:10
  second
• 8:11
  one
• 8:11
  and
• 8:12
  the
• 8:12
  third
• 8:12
  one.
• 8:12
  And
• 8:12
  after
• 8:13
  a
• 8:13
  while,
• 8:13
  like
• 8:13
  I
• 8:13
  said,
• 8:13
  for
• 8:14
  me
• 8:14
  it
• 8:14
  had
• 8:15
  grown
• 8:15
  to
• 8:15
  a
• 8:15
  number
• 8:15
  that
• 8:16
  became
• 8:16
  a
• 8:16
  term
• 8:16
  loan.
• 8:17
  It's
• 8:18
  another
• 8:18
  pro
• 8:18
  tip.
• 8:19
  Turn
• 8:19
  off
• 8:19
  those
• 8:20
  extras,
• 8:20
  those
• 8:20
  instant
• 8:21
  transfers,
• 8:22
  the
• 8:22
  subscriptions
• 8:22
  if
• 8:22
  you
• 8:23
  can.
• 8:24
  And
• 8:24
  here's
• 8:24
  another
• 8:24
  thing
• 8:25
  you
• 8:25
  should
• 8:25
  do.
• 8:26
  Put
• 8:26
  it
• 8:26
  right
• 8:26
  on
• 8:26
  your
• 8:27
  calendar.
• 8:28
  Delete
• 8:28
  that
• 8:28
  app
• 8:28
  after
• 8:29
  you
• 8:29
  repay
• 8:29
  that.
• 8:29
  You
• 8:30
  don't
• 8:30
  want
• 8:30
  to
• 8:30
  make
• 8:30
  this
• 8:30
  a
• 8:30
  recurring
• 8:31
  thing.
• 8:31
  This
• 8:31
  isn't
• 8:32
  going
• 8:32
  to
• 8:32
  be
• 8:32
  your
• 8:32
  go
• 8:32
  to
• 8:33
  thing.
• 8:34
  There
• 8:34
  are
• 8:35
  some
• 8:35
  other
• 8:35
  options
• 8:36
  though.
• 8:36
  So
• 8:36
  I'm
• 8:36
  going
• 8:36
  to
• 8:36
  encourage
• 8:36
  you
• 8:36
  right
• 8:37
  now
• 8:37
  to
• 8:37
  do
• 8:37
  the
• 8:37
  better
• 8:37
  than
• 8:38
  in
• 8:38
  advance
• 8:38
  moves.
• 8:39
  These
• 8:40
  are
• 8:40
  some
• 8:40
  same
• 8:40
  day
• 8:41
  options
• 8:41
  you
• 8:41
  can
• 8:41
  do.
• 8:41
  Let's
• 8:42
  say
• 8:42
  right
• 8:42
  now,
• 8:42
  you're
• 8:43
  in
• 8:43
  this
• 8:43
  position
• 8:43
  right
• 8:44
  now
• 8:44
  and
• 8:44
  you're.
• 8:44
  What
• 8:45
  am
• 8:45
  I
• 8:45
  going
• 8:45
  to
• 8:45
  do?
• 8:46
  Number
• 8:46
  one
• 8:46
  thing
• 8:46
  you
• 8:47
  can
• 8:47
  do,
• 8:47
  call
• 8:48
  the
• 8:48
  bill
• 8:48
  company.
• 8:49
  If
• 8:49
  you've
• 8:49
  got
• 8:50
  a
• 8:50
  bill,
• 8:50
  you
• 8:50
  weren't
• 8:50
  expecting
• 8:51
  something
• 8:51
  that
• 8:52
  you
• 8:52
  just
• 8:52
  can't
• 8:53
  pay
• 8:53
  right
• 8:53
  now,
• 8:54
  pick
• 8:54
  up
• 8:54
  the
• 8:55
  phone
• 8:55
  and
• 8:55
  call
• 8:55
  them.
• 8:55
  What
• 8:55
  I
• 8:56
  have
• 8:56
  learned
• 8:56
  is
• 8:57
  most
• 8:57
  of
• 8:57
  the
• 8:57
  time
• 8:57
  they
• 8:58
  want
• 8:58
  to
• 8:58
  work
• 8:58
  with
• 8:58
  you.
• 8:58
  There
• 8:59
  is
• 8:59
  no
• 8:59
  value
• 8:59
  in
• 9:00
  them
• 9:00
  becoming
• 9:01
  a
• 9:01
  collections
• 9:02
  for
• 9:02
  you.
• 9:02
  That's
• 9:02
  not
• 9:02
  what
• 9:03
  they
• 9:03
  want
• 9:03
  to
• 9:03
  do.
• 9:04
  Ask
• 9:04
  them
• 9:04
  to
• 9:04
  move
• 9:05
  the
• 9:05
  due
• 9:05
  date.
• 9:06
  Ask
• 9:06
  them
• 9:06
  if
• 9:06
  they
• 9:07
  have
• 9:07
  a
• 9:07
  hardship
• 9:07
  plan
• 9:08
  or
• 9:08
  they
• 9:08
  can
• 9:08
  put
• 9:08
  you
• 9:08
  on
• 9:08
  an
• 9:09
  extension.
• 9:09
  What
• 9:09
  you're
• 9:09
  going
• 9:10
  to
• 9:10
  find
• 9:10
  is
• 9:11
  most
• 9:11
  creditors
• 9:12
  have
• 9:12
  a
• 9:12
  workaround
• 9:12
  for
• 9:13
  this
• 9:14
  and
• 9:14
  at
• 9:14
  the
• 9:14
  very
• 9:15
  minimum,
• 9:15
  pay
• 9:16
  only
• 9:16
  the
• 9:16
  minimum
• 9:17
  on
• 9:17
  one
• 9:17
  bills.
• 9:18
  Like
• 9:18
  say
• 9:18
  for
• 9:18
  example,
• 9:19
  you're
• 9:19
  really
• 9:20
  working
• 9:20
  on
• 9:20
  paying
• 9:20
  off
• 9:21
  your
• 9:21
  credit
• 9:21
  cards
• 9:22
  and
• 9:22
  you've
• 9:22
  been
• 9:22
  really,
• 9:22
  you've
• 9:23
  got
• 9:23
  a
• 9:23
  debt
• 9:23
  repayment
• 9:24
  plan
• 9:24
  and
• 9:24
  you're
• 9:24
  like
• 9:24
  Ralph,
• 9:25
  I
• 9:25
  am
• 9:25
  knocking
• 9:25
  this
• 9:25
  out.
• 9:26
  But
• 9:26
  if
• 9:26
  something
• 9:27
  comes
• 9:27
  up,
• 9:28
  you
• 9:28
  may
• 9:28
  have
• 9:28
  to
• 9:29
  take
• 9:29
  a
• 9:29
  step
• 9:29
  back
• 9:29
  and
• 9:29
  say,
• 9:30
  you
• 9:30
  know
• 9:30
  what?
• 9:30
  For
• 9:30
  this
• 9:30
  time
• 9:31
  I'm
• 9:31
  just
• 9:31
  going
• 9:32
  to
• 9:32
  pay
• 9:32
  the
• 9:32
  minimum.
• 9:33
  That's
• 9:34
  okay
• 9:34
  to
• 9:34
  do
• 9:34
  that
• 9:34
  sometimes
• 9:35
  because
• 9:35
  then
• 9:35
  you're
• 9:35
  covering
• 9:36
  everything.
• 9:37
  And
• 9:37
  if
• 9:37
  by
• 9:38
  chance
• 9:38
  you
• 9:38
  find
• 9:38
  yourself
• 9:39
  in
• 9:39
  a
• 9:40
  problem
• 9:40
  where
• 9:40
  you
• 9:40
  got
• 9:40
  a
• 9:41
  fee,
• 9:41
  call
• 9:42
  them
• 9:42
  up
• 9:42
  on
• 9:42
  the
• 9:42
  phone,
• 9:42
  ask
• 9:43
  for
• 9:43
  a
• 9:43
  late
• 9:43
  fee
• 9:44
  reversal.
• 9:45
  Ask
• 9:45
  them
• 9:45
  to
• 9:46
  waive
• 9:46
  those
• 9:46
  reconnection
• 9:47
  fees
• 9:48
  or
• 9:48
  those
• 9:48
  overdraft
• 9:49
  forgiveness.
• 9:49
  Because
• 9:49
  what
• 9:50
  I
• 9:50
  have
• 9:50
  found
• 9:51
  is
• 9:51
  most
• 9:52
  banks,
• 9:53
  most
• 9:53
  creditors,
• 9:54
  most
• 9:54
  utility
• 9:54
  companies,
• 9:55
  if
• 9:55
  you
• 9:56
  call
• 9:56
  Them,
• 9:56
  you
• 9:57
  tell
• 9:57
  them
• 9:57
  what's
• 9:57
  going
• 9:57
  on,
• 9:58
  to
• 9:59
  work
• 9:59
  with
• 9:59
  you.
• 10:00
  They
• 10:00
  don't
• 10:00
  want
• 10:00
  to
• 10:01
  see
• 10:01
  you
• 10:01
  out
• 10:01
  on
• 10:01
  the
• 10:01
  street.
• 10:03
  And
• 10:03
  I'll
• 10:03
  just
• 10:03
  say
• 10:03
  one
• 10:03
  more
• 10:04
  thing,
• 10:04
  because
• 10:04
  we've
• 10:04
  talked
• 10:04
  about
• 10:05
  groceries
• 10:05
  last
• 10:06
  week.
• 10:06
  If
• 10:07
  food
• 10:07
  is
• 10:07
  a
• 10:07
  pressure
• 10:08
  point
• 10:08
  for
• 10:08
  you,
• 10:09
  I
• 10:10
  understand
• 10:10
  what
• 10:10
  that
• 10:10
  feels
• 10:11
  like.
• 10:11
  I've
• 10:11
  never
• 10:11
  been
• 10:12
  in
• 10:12
  that
• 10:12
  situation.
• 10:12
  But
• 10:13
  if
• 10:13
  it
• 10:13
  is,
• 10:14
  reach
• 10:14
  out
• 10:15
  to
• 10:15
  some
• 10:15
  local
• 10:15
  food
• 10:16
  pantries
• 10:16
  and
• 10:16
  ask
• 10:16
  them
• 10:17
  if
• 10:17
  they
• 10:17
  can
• 10:17
  help
• 10:17
  you.
• 10:17
  Just
• 10:17
  one
• 10:18
  time
• 10:18
  to
• 10:18
  breathe.
• 10:18
  Because
• 10:18
  sometimes
• 10:19
  that
• 10:19
  one
• 10:20
  little
• 10:20
  bridge
• 10:22
  can
• 10:22
  make
• 10:22
  it
• 10:22
  work
• 10:22
  better.
• 10:23
  And
• 10:24
  finally,
• 10:24
  I'm
• 10:24
  going
• 10:24
  to
• 10:24
  encourage
• 10:25
  you
• 10:25
  to
• 10:25
  do
• 10:25
  this.
• 10:26
  Build
• 10:26
  a
• 10:26
  simple
• 10:27
  payday
• 10:27
  shield
• 10:28
  so
• 10:28
  this
• 10:29
  stops
• 10:29
  repeating.
• 10:29
  This
• 10:30
  is
• 10:30
  the
• 10:30
  thing
• 10:30
  that
• 10:30
  I
• 10:30
  didn't
• 10:31
  do.
• 10:32
  We
• 10:33
  talked
• 10:33
  about
• 10:33
  this
• 10:33
  on
• 10:34
  the
• 10:34
  show
• 10:34
  yesterday.
• 10:34
  Create
• 10:35
  that
• 10:35
  bills
• 10:36
  first.
• 10:36
  Transfer
• 10:36
  every
• 10:37
  payday.
• 10:37
  Bills
• 10:38
  get
• 10:38
  set
• 10:38
  aside.
• 10:39
  Build
• 10:40
  that
• 10:40
  payday
• 10:40
  cushion
• 10:41
  with
• 10:41
  something
• 10:41
  as
• 10:41
  little
• 10:42
  as
• 10:42
  $10
• 10:43
  per
• 10:43
  pay.
• 10:44
  Build
• 10:44
  it
• 10:44
  up
• 10:44
  to
• 10:45
  $100,
• 10:45
  because
• 10:45
  that
• 10:46
  one
• 10:46
  small
• 10:46
  buffer
• 10:47
  can
• 10:47
  break
• 10:48
  that
• 10:48
  panic
• 10:48
  loop.
• 10:49
  And
• 10:49
  that's
• 10:49
  what
• 10:49
  we're
• 10:49
  really
• 10:49
  leaning
• 10:50
  into
• 10:50
  today.
• 10:51
  It's
• 10:51
  that
• 10:51
  panic
• 10:52
  leap.
• 10:53
  So
• 10:53
  let
• 10:53
  me
• 10:53
  just
• 10:53
  encourage
• 10:54
  you
• 10:54
  right
• 10:54
  now.
• 10:54
  You're
• 10:54
  not
• 10:54
  desperate
• 10:55
  when
• 10:55
  you're
• 10:55
  in
• 10:55
  this
• 10:56
  situation.
• 10:57
  It's
• 10:57
  not
• 10:57
  about
• 10:58
  desperation.
• 10:59
  You're
• 10:59
  under
• 10:59
  pressure.
• 11:01
  And
• 11:01
  here's
• 11:01
  the
• 11:01
  best
• 11:02
  part
• 11:02
  of
• 11:02
  it.
• 11:03
  God
• 11:03
  sees
• 11:04
  you
• 11:04
  in
• 11:04
  that
• 11:04
  pressure.
• 11:06
  So
• 11:06
  here's
• 11:06
  your
• 11:06
  quick
• 11:06
  win,
• 11:07
  your
• 11:07
  single
• 11:07
  step
• 11:07
  for
• 11:08
  today.
• 11:08
  I
• 11:08
  want
• 11:08
  you
• 11:08
  to
• 11:08
  just
• 11:09
  list
• 11:09
  two
• 11:09
  bills
• 11:09
  due
• 11:10
  before
• 11:10
  payday
• 11:10
  this
• 11:11
  week.
• 11:12
  And
• 11:12
  right
• 11:12
  next
• 11:12
  to
• 11:13
  each
• 11:13
  one,
• 11:13
  write
• 11:13
  an
• 11:14
  action.
• 11:15
  Maybe
• 11:15
  things
• 11:15
  are
• 11:15
  tight.
• 11:16
  Write
• 11:16
  an
• 11:16
  action.
• 11:16
  I'm
• 11:17
  going
• 11:17
  to
• 11:17
  call
• 11:17
  them
• 11:17
  for
• 11:17
  an
• 11:18
  extension.
• 11:19
  It's
• 11:19
  okay
• 11:19
  to
• 11:20
  do
• 11:20
  that.
• 11:21
  Or
• 11:21
  write
• 11:21
  down,
• 11:21
  I'm
• 11:21
  going
• 11:22
  to
• 11:22
  pay
• 11:22
  the
• 11:22
  minimum.
• 11:23
  Because
• 11:24
  what
• 11:24
  I
• 11:24
  have
• 11:24
  found
• 11:25
  is
• 11:25
  one
• 11:25
  tiny
• 11:26
  plan
• 11:27
  takes
• 11:28
  away
• 11:28
  that
• 11:28
  fear
• 11:28
  in
• 11:28
  your
• 11:29
  chest
• 11:30
  and
• 11:30
  you
• 11:30
  can
• 11:30
  start
• 11:30
  to
• 11:31
  breathe
• 11:31
  again.
• 11:32
  Well,
• 11:32
  let's
• 11:32
  look
• 11:32
  at
• 11:32
  the
• 11:33
  Bible
• 11:33
  today.
• 11:33
  Let's
• 11:33
  lean
• 11:34
  into
• 11:34
  Isaiah,
• 11:35
  chapter
• 11:36
  41,
• 11:36
  verse
• 11:36
  10.
• 11:38
  It
• 11:38
  says
• 11:38
  this.
• 11:39
  So
• 11:39
  do
• 11:40
  not
• 11:40
  fear,
• 11:41
  for
• 11:41
  I
• 11:42
  am
• 11:42
  with
• 11:42
  you.
• 11:43
  Do
• 11:43
  not
• 11:43
  be
• 11:44
  dismayed,
• 11:45
  for
• 11:45
  I
• 11:45
  am
• 11:46
  your
• 11:46
  God.
• 11:47
  I
• 11:47
  will
• 11:47
  strengthen
• 11:48
  you
• 11:49
  and
• 11:49
  help
• 11:49
  you.
• 11:50
  I
• 11:50
  will
• 11:50
  uphold
• 11:51
  you
• 11:51
  with
• 11:51
  my
• 11:52
  righteous
• 11:52
  right
• 11:52
  hand.
• 11:54
  What
• 11:54
  a
• 11:54
  reassuring
• 11:55
  verse
• 11:55
  today.
• 11:56
  And
• 11:57
  when
• 11:57
  money
• 11:57
  feels
• 11:58
  tight
• 11:58
  and
• 11:59
  money
• 11:59
  feels
• 11:59
  scary,
• 12:00
  God
• 12:01
  offers
• 12:01
  something
• 12:01
  bigger
• 12:02
  than
• 12:02
  money.
• 12:02
  He
• 12:02
  offers
• 12:03
  us
• 12:03
  his
• 12:03
  presence
• 12:04
  and
• 12:04
  his
• 12:05
  strength
• 12:06
  doesn't
• 12:06
  make
• 12:07
  us
• 12:07
  panic.
• 12:07
  And
• 12:07
  he
• 12:07
  certainly
• 12:08
  doesn't
• 12:08
  give
• 12:08
  us
• 12:08
  any
• 12:09
  shame.
• 12:10
  How
• 12:10
  about
• 12:10
  we
• 12:10
  pray
• 12:11
  together?
• 12:12
  Father
• 12:13
  God,
• 12:14
  you
• 12:14
  see
• 12:14
  the
• 12:14
  tight
• 12:15
  place
• 12:15
  that
• 12:15
  so
• 12:16
  many
• 12:16
  of
• 12:16
  us
• 12:16
  are
• 12:16
  in
• 12:16
  right
• 12:17
  now,
• 12:18
  and
• 12:18
  you
• 12:18
  see
• 12:18
  that
• 12:19
  fear
• 12:19
  that
• 12:19
  rises
• 12:20
  when
• 12:20
  the
• 12:20
  balance
• 12:20
  is
• 12:21
  low
• 12:21
  and
• 12:21
  those
• 12:21
  bills
• 12:22
  are
• 12:22
  so
• 12:22
  close
• 12:22
  to
• 12:22
  being
• 12:23
  due.
• 12:24
  And
• 12:24
  we
• 12:24
  just
• 12:24
  ask
• 12:25
  right
• 12:25
  now
• 12:25
  that
• 12:25
  you
• 12:25
  would
• 12:26
  steady
• 12:26
  our
• 12:26
  hearts,
• 12:27
  Lord,
• 12:28
  give
• 12:28
  us
• 12:28
  wisdom
• 12:28
  for
• 12:29
  that
• 12:29
  next
• 12:29
  decision
• 12:30
  and.
• 12:30
  And
• 12:30
  really
• 12:30
  give
• 12:31
  us
• 12:31
  courage
• 12:31
  for
• 12:31
  that
• 12:32
  next
• 12:32
  phone
• 12:32
  call
• 12:33
  that
• 12:33
  we
• 12:33
  might
• 12:33
  need
• 12:33
  to
• 12:34
  make.
• 12:35
  Lord,
• 12:35
  provide
• 12:36
  what
• 12:36
  is
• 12:36
  needed.
• 12:37
  Open
• 12:37
  the
• 12:38
  right
• 12:38
  doors,
• 12:38
  Lord,
• 12:38
  and
• 12:39
  protect
• 12:39
  us
• 12:39
  from
• 12:39
  the
• 12:39
  traps
• 12:40
  that
• 12:40
  deepen
• 12:40
  the
• 12:41
  struggle.
• 12:42
  And
• 12:42
  Lord,
• 12:43
  please
• 12:43
  replace
• 12:43
  shame
• 12:44
  with
• 12:44
  your
• 12:44
  gentleness
• 12:46
  because
• 12:46
  we
• 12:46
  know
• 12:46
  you're
• 12:47
  near,
• 12:47
  we
• 12:48
  know
• 12:48
  you
• 12:48
  help
• 12:49
  and
• 12:49
  we
• 12:50
  know
• 12:50
  you
• 12:50
  always
• 12:50
  uphold
• 12:51
  us,
• 12:51
  Lord,
• 12:51
  and
• 12:51
  we
• 12:51
  ask
• 12:52
  this
• 12:52
  in
• 12:53
  Jesus
• 12:53
  name,
• 12:54
  Amen.
• 12:56
  I
• 12:56
  just
• 12:56
  want
• 12:57
  to
• 12:57
  encourage
• 12:57
  you.
• 12:58
  You
• 12:58
  can
• 12:58
  take
• 12:59
  the
• 12:59
  next
• 12:59
  step
• 12:59
  with
• 13:00
  peace
• 13:01
  and
• 13:01
  you're
• 13:01
  not
• 13:01
  alone
• 13:01
  in
• 13:02
  this.
• 13:03
  And
• 13:03
  if
• 13:03
  you've
• 13:03
  got
• 13:03
  a
• 13:04
  question
• 13:04
  for
• 13:04
  this
• 13:04
  show,
• 13:04
  I'd
• 13:05
  love
• 13:05
  to
• 13:05
  answer
• 13:05
  your
• 13:05
  question.
• 13:06
  That's
• 13:06
  why
• 13:06
  I
• 13:06
  do
• 13:06
  this
• 13:06
  show
• 13:07
  every
• 13:07
  day.
• 13:08
  It's
• 13:08
  my
• 13:08
  passion
• 13:08
  to
• 13:09
  answer
• 13:09
  your
• 13:09
  questions
• 13:09
  that
• 13:10
  help
• 13:10
  you
• 13:10
  break
• 13:10
  that
• 13:11
  cycle
• 13:11
  of
• 13:11
  financial
• 13:12
  shame.
• 13:12
  If
• 13:12
  you've
• 13:13
  got
• 13:13
  such
• 13:13
  a
• 13:13
  question,
• 13:14
  go
• 13:14
  right
• 13:14
  to
• 13:14
  financiallyconfidentchristian.com/question
• 13:18
  it'll
• 13:19
  be
• 13:19
  in
• 13:19
  the
• 13:19
  show
• 13:19
  notes.
• 13:19
  I'm
• 13:19
  going
• 13:20
  to
• 13:20
  give
• 13:20
  it
• 13:20
  to
• 13:20
  you
• 13:20
  one
• 13:20
  more
• 13:20
  time
• 13:20
  if
• 13:21
  you
• 13:21
  want
• 13:21
  to
• 13:21
  write
• 13:21
  this
• 13:21
  down.
• 13:21
  It's
• 13:22
  financiallyconfidentchristian.Com/question.
• 13:26
  So
• 13:27
  thank
• 13:27
  you
• 13:27
  so
• 13:27
  much
• 13:27
  for
• 13:28
  joining
• 13:28
  me
• 13:28
  today.
• 13:28
  A
• 13:28
  tough
• 13:29
  topic
• 13:29
  we
• 13:29
  talked
• 13:29
  about
• 13:29
  today,
• 13:30
  but
• 13:31
  stay
• 13:31
  financially
• 13:32
  savvy.
• 13:32
  May
• 13:33
  God
• 13:33
  bless
• 13:33
  you.
• 13:34
  Have
• 13:34
  a
• 13:34
  great
• 13:34
  day
• 13:35
  and
• 13:35
  I'll
• 13:35
  see
• 13:35
  you
• 13:35
  again
• 13:36
  on
• 13:36
  tomorrow's
• 13:36
  show.