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I Was Not Ready to Retire… Now What Do I Do? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  had
• 0:38
  your
• 0:38
  plans
• 0:38
  completely
• 0:39
  changed,
• 0:40
  not
• 0:40
  by
• 0:41
  choice,
• 0:41
  but
• 0:41
  by
• 0:42
  circumstances
• 0:42
  beyond
• 0:43
  your
• 0:43
  control?
• 0:44
  That
• 0:44
  career
• 0:45
  that
• 0:45
  you
• 0:45
  thought
• 0:45
  had
• 0:46
  years
• 0:46
  left
• 0:46
  in
• 0:46
  it
• 0:47
  suddenly
• 0:47
  brought
• 0:48
  to
• 0:48
  an
• 0:48
  abrupt
• 0:49
  end,
• 0:49
  and
• 0:50
  now
• 0:50
  you're
• 0:50
  asking
• 0:50
  yourself,
• 0:51
  what
• 0:51
  do
• 0:52
  I
• 0:52
  do
• 0:52
  next?
• 0:53
  If
• 0:53
  you're
• 0:54
  facing
• 0:54
  an
• 0:54
  unexpected
• 0:55
  transition
• 0:56
  and
• 0:56
  feeling
• 0:56
  the
• 0:56
  weight
• 0:57
  of
• 0:57
  uncertainty,
• 0:58
  today
• 0:58
  we're
• 0:59
  going
• 0:59
  to
• 0:59
  walk
• 0:59
  through
• 0:59
  how
• 0:59
  to
• 1:00
  move
• 1:00
  forward
• 1:00
  with
• 1:00
  wisdom
• 1:01
  and
• 1:02
  with
• 1:02
  peace.
• 1:23
  Hey,
• 1:23
  friend.
• 1:23
  Ralph
• 1:24
  Estep
• 1:24
  Jr.
• 1:25
  Here.
• 1:25
  Welcome
• 1:26
  to
• 1:26
  Financially
• 1:26
  Confident
• 1:27
  Christian,
• 1:28
  where
• 1:28
  my
• 1:28
  goal
• 1:28
  is
• 1:29
  to
• 1:29
  help
• 1:29
  you
• 1:29
  break
• 1:29
  that
• 1:30
  cycle
• 1:30
  of
• 1:30
  financial
• 1:31
  shame
• 1:31
  and.
• 1:32
  And
• 1:32
  live
• 1:32
  in
• 1:33
  confidence.
• 1:34
  Now,
• 1:34
  I
• 1:34
  got
• 1:34
  this
• 1:34
  voicemail
• 1:35
  today,
• 1:36
  and
• 1:36
  this
• 1:36
  one
• 1:36
  kind
• 1:37
  of
• 1:37
  broke
• 1:37
  my
• 1:37
  heart
• 1:37
  because
• 1:38
  this
• 1:38
  is
• 1:38
  something
• 1:39
  a
• 1:39
  lot
• 1:39
  of
• 1:39
  people
• 1:40
  go
• 1:40
  through
• 1:41
  as
• 1:41
  they
• 1:41
  get
• 1:41
  older
• 1:42
  and
• 1:42
  changes
• 1:43
  in
• 1:43
  their
• 1:43
  career.
• 1:44
  And
• 1:44
  today,
• 1:44
  specifically,
• 1:45
  we're
• 1:45
  gonna
• 1:46
  talk
• 1:46
  about
• 1:46
  how
• 1:46
  to
• 1:47
  navigate
• 1:47
  that
• 1:48
  unexpected
• 1:48
  retirement
• 1:49
  and
• 1:50
  still
• 1:50
  move
• 1:50
  forward.
• 1:51
  So
• 1:51
  let's
• 1:51
  get
• 1:51
  right
• 1:51
  to
• 1:52
  our
• 1:52
  listener
• 1:53
  voicemail
• 1:53
  today.
• 1:54
  Ralph,
• 1:55
  I'm
• 1:55
  58
• 1:56
  years
• 1:56
  old,
• 1:57
  and
• 1:57
  I've
• 1:57
  been
• 1:57
  at
• 1:57
  the
• 1:58
  Same
• 1:58
  company
• 1:58
  for
• 1:59
  25
• 1:59
  years.
• 2:00
  Director
• 2:01
  level,
• 2:01
  $200,000
• 2:03
  plus
• 2:03
  bonuses
• 2:04
  and
• 2:04
  equity.
• 2:05
  My
• 2:05
  wife
• 2:06
  doesn't
• 2:06
  work.
• 2:07
  The
• 2:07
  company's
• 2:08
  being
• 2:08
  sold.
• 2:09
  I'm
• 2:09
  getting
• 2:09
  let
• 2:10
  go.
• 2:10
  I
• 2:11
  was
• 2:11
  planning
• 2:11
  to
• 2:11
  work
• 2:12
  another
• 2:12
  few
• 2:12
  years.
• 2:13
  That's
• 2:13
  not
• 2:14
  happening.
• 2:14
  Now,
• 2:17
  here's
• 2:17
  where
• 2:17
  I'm
• 2:17
  at.
• 2:18
  I've
• 2:19
  got
• 2:19
  about
• 2:19
  $2.4
• 2:20
  million
• 2:21
  in
• 2:21
  stocks
• 2:21
  and
• 2:22
  ETFs,
• 2:23
  $500,000
• 2:24
  in
• 2:24
  a
• 2:25
  401k.
• 2:26
  I
• 2:26
  owe
• 2:27
  about
• 2:27
  $600,000
• 2:28
  on
• 2:29
  the
• 2:29
  house
• 2:29
  and
• 2:29
  have
• 2:30
  maybe
• 2:30
  $500,000
• 2:31
  in
• 2:32
  equity
• 2:32
  there.
• 2:33
  We're
• 2:33
  going
• 2:34
  to
• 2:34
  need
• 2:34
  to
• 2:34
  downsize.
• 2:35
  But
• 2:36
  here's
• 2:36
  the
• 2:36
  thing
• 2:36
  that's
• 2:37
  keeping
• 2:37
  me
• 2:37
  up
• 2:37
  at
• 2:37
  night.
• 2:38
  My
• 2:38
  skills,
• 2:39
  they've
• 2:40
  worked
• 2:40
  great
• 2:40
  at
• 2:41
  this
• 2:41
  company,
• 2:41
  but
• 2:42
  I'm
• 2:42
  not
• 2:42
  sure
• 2:42
  they
• 2:43
  translate
• 2:43
  to
• 2:43
  anything
• 2:44
  else
• 2:44
  out
• 2:44
  there.
• 2:46
  So
• 2:47
  I'm
• 2:47
  trying
• 2:47
  to
• 2:47
  figure
• 2:48
  out
• 2:48
  what
• 2:48
  kind
• 2:49
  of
• 2:49
  work
• 2:49
  can
• 2:49
  I
• 2:49
  actually
• 2:50
  do
• 2:50
  to
• 2:50
  bring
• 2:51
  in
• 2:51
  around
• 2:51
  $50,000
• 2:52
  a
• 2:52
  year
• 2:53
  for
• 2:53
  the
• 2:53
  next
• 2:54
  few
• 2:54
  years
• 2:55
  while
• 2:55
  we
• 2:55
  get
• 2:55
  our
• 2:55
  feet
• 2:56
  back
• 2:56
  under
• 2:56
  us.
• 2:57
  And
• 2:57
  then
• 2:58
  there's
• 2:58
  the
• 2:58
  Social
• 2:58
  Security
• 2:59
  question.
• 3:00
  Should
• 3:00
  I
• 3:00
  still
• 3:01
  wait
• 3:01
  until
• 3:01
  70
• 3:02
  or
• 3:02
  does
• 3:02
  that
• 3:03
  change
• 3:03
  now?
• 3:04
  Because
• 3:04
  honestly,
• 3:06
  I'm
• 3:06
  not
• 3:06
  even
• 3:06
  sure
• 3:07
  what
• 3:07
  my
• 3:07
  plan
• 3:07
  looks
• 3:08
  like
• 3:08
  anymore.
• 3:09
  Well,
• 3:10
  let
• 3:10
  me
• 3:10
  start
• 3:10
  by
• 3:10
  saying
• 3:11
  this,
• 3:11
  friend.
• 3:11
  You
• 3:12
  are
• 3:12
  in
• 3:12
  a
• 3:12
  much
• 3:13
  better
• 3:13
  place
• 3:14
  than
• 3:14
  most
• 3:14
  of
• 3:14
  the
• 3:15
  people
• 3:15
  that
• 3:15
  I
• 3:15
  hear
• 3:16
  from.
• 3:16
  You've
• 3:17
  got
• 3:17
  equity,
• 3:18
  you've
• 3:18
  got
• 3:18
  assets,
• 3:19
  you.
• 3:19
  You've
• 3:20
  got
• 3:20
  savings.
• 3:20
  You
• 3:21
  are
• 3:21
  doing
• 3:21
  all
• 3:21
  the
• 3:21
  things
• 3:22
  right.
• 3:22
  But
• 3:23
  I
• 3:23
  understand
• 3:23
  what
• 3:23
  you're
• 3:24
  going
• 3:24
  through.
• 3:24
  It's
• 3:24
  a
• 3:24
  heavy
• 3:25
  shift
• 3:25
  here.
• 3:25
  So
• 3:26
  I
• 3:26
  want
• 3:26
  to
• 3:26
  start
• 3:26
  by
• 3:26
  saying
• 3:27
  this.
• 3:28
  What
• 3:28
  you're
• 3:29
  feeling
• 3:29
  right
• 3:29
  now
• 3:30
  makes
• 3:30
  sense
• 3:30
  to
• 3:30
  me
• 3:31
  because
• 3:31
  you've
• 3:31
  done
• 3:32
  this
• 3:32
  career
• 3:32
  your
• 3:32
  whole
• 3:33
  life,
• 3:33
  and
• 3:34
  this
• 3:34
  isn't.
• 3:35
  Honestly,
• 3:35
  I
• 3:35
  don't
• 3:36
  think
• 3:36
  it's
• 3:36
  much
• 3:36
  about
• 3:36
  the
• 3:37
  financial
• 3:37
  change
• 3:37
  here.
• 3:38
  I
• 3:38
  think
• 3:38
  it's
• 3:39
  a
• 3:39
  life
• 3:39
  transition
• 3:40
  and
• 3:41
  that's
• 3:41
  tough
• 3:41
  for
• 3:41
  people.
• 3:42
  You're
• 3:42
  going
• 3:42
  through
• 3:43
  a
• 3:43
  loss
• 3:43
  of
• 3:43
  structure,
• 3:44
  you're
• 3:44
  going
• 3:44
  through
• 3:45
  a
• 3:45
  loss
• 3:45
  of
• 3:45
  identity
• 3:46
  and,
• 3:47
  and
• 3:47
  you're
• 3:47
  certainly
• 3:47
  going
• 3:47
  through
• 3:48
  a
• 3:48
  loss
• 3:48
  of
• 3:48
  what
• 3:48
  you
• 3:48
  expected.
• 3:49
  So
• 3:50
  many
• 3:50
  of
• 3:50
  us
• 3:50
  look
• 3:50
  at
• 3:51
  structure
• 3:51
  and
• 3:51
  our
• 3:52
  identity
• 3:52
  based
• 3:52
  on
• 3:53
  our
• 3:53
  job.
• 3:53
  And
• 3:54
  I
• 3:54
  think
• 3:54
  if
• 3:54
  we
• 3:54
  were
• 3:55
  being
• 3:55
  honest,
• 3:55
  you
• 3:55
  probably
• 3:56
  expected,
• 3:56
  I'll
• 3:57
  work
• 3:57
  there
• 3:57
  till
• 3:57
  I
• 3:57
  retire.
• 3:58
  You
• 3:58
  just
• 3:58
  pictured
• 3:59
  that
• 3:59
  in
• 3:59
  your
• 3:59
  mind.
• 4:00
  But
• 4:00
  you're
• 4:01
  not
• 4:01
  starting
• 4:01
  from
• 4:01
  zero.
• 4:01
  We
• 4:02
  got
• 4:02
  to
• 4:02
  start
• 4:02
  there
• 4:02
  first.
• 4:03
  Listen,
• 4:03
  a
• 4:03
  lot
• 4:03
  of
• 4:04
  folks
• 4:04
  are,
• 4:05
  would
• 4:05
  be
• 4:05
  envious
• 4:06
  of
• 4:06
  what
• 4:06
  you
• 4:06
  have.
• 4:07
  Here's
• 4:07
  the
• 4:08
  things
• 4:08
  that
• 4:08
  you
• 4:08
  also
• 4:08
  have.
• 4:09
  You've
• 4:09
  got
• 4:09
  experience,
• 4:10
  so
• 4:11
  you're
• 4:11
  starting
• 4:11
  from
• 4:12
  a
• 4:12
  place
• 4:12
  of
• 4:12
  provision
• 4:13
  and
• 4:13
  you're
• 4:14
  starting
• 4:14
  from
• 4:14
  a
• 4:14
  place
• 4:14
  that
• 4:15
  many
• 4:15
  people
• 4:15
  just
• 4:15
  pray
• 4:16
  to
• 4:16
  reach.
• 4:16
  So
• 4:17
  first
• 4:17
  thing,
• 4:17
  you've
• 4:18
  done
• 4:18
  a
• 4:19
  lot
• 4:19
  of
• 4:19
  things
• 4:19
  right.
• 4:20
  This
• 4:21
  isn't
• 4:21
  the
• 4:21
  end
• 4:22
  of
• 4:22
  your
• 4:22
  plan.
• 4:22
  It's
• 4:23
  the
• 4:23
  moment
• 4:23
  that
• 4:23
  your
• 4:24
  plan
• 4:24
  needs
• 4:24
  to
• 4:24
  adapt.
• 4:25
  So
• 4:25
  I
• 4:25
  want
• 4:25
  to
• 4:26
  get
• 4:26
  real
• 4:26
  specific
• 4:26
  in
• 4:27
  some
• 4:27
  of
• 4:27
  the
• 4:27
  specific
• 4:28
  things
• 4:28
  you
• 4:28
  asked
• 4:28
  me
• 4:28
  about
• 4:29
  because
• 4:29
  I
• 4:30
  think
• 4:30
  I
• 4:30
  can
• 4:30
  help
• 4:30
  you.
• 4:30
  But
• 4:31
  number
• 4:31
  one,
• 4:31
  like
• 4:31
  I
• 4:31
  said,
• 4:31
  I
• 4:32
  can't
• 4:32
  just
• 4:32
  let
• 4:32
  this
• 4:32
  slide
• 4:33
  without
• 4:33
  saying
• 4:34
  you
• 4:34
  are
• 4:34
  in
• 4:34
  really
• 4:35
  good
• 4:36
  shape.
• 4:36
  But
• 4:37
  here's
• 4:37
  the
• 4:37
  first
• 4:37
  thing
• 4:37
  I
• 4:37
  want
• 4:38
  you
• 4:38
  to
• 4:38
  do.
• 4:38
  You
• 4:38
  got
• 4:39
  to
• 4:39
  separate
• 4:39
  that
• 4:39
  emotional
• 4:40
  shock
• 4:40
  from,
• 4:41
  from
• 4:41
  the
• 4:41
  financial
• 4:42
  reality.
• 4:43
  Those
• 4:43
  are
• 4:44
  two
• 4:44
  completely
• 4:44
  different
• 4:45
  planets.
• 4:46
  Right
• 4:46
  now
• 4:47
  in
• 4:47
  your
• 4:47
  world,
• 4:48
  everything
• 4:48
  feels
• 4:48
  urgent,
• 4:50
  but
• 4:50
  not
• 4:50
  everything
• 4:50
  is
• 4:51
  urgent.
• 4:51
  So
• 4:52
  slow
• 4:52
  this
• 4:52
  down
• 4:52
  a
• 4:53
  little
• 4:53
  bit.
• 4:54
  As
• 4:54
  I
• 4:54
  look
• 4:54
  back
• 4:55
  at
• 4:55
  your,
• 4:55
  your
• 4:55
  voicemail,
• 4:56
  you've
• 4:56
  built
• 4:57
  significant
• 4:57
  assets,
• 4:58
  you've
• 4:59
  got
• 4:59
  $2
• 4:59
  million
• 5:00
  in
• 5:00
  investments.
• 5:01
  I
• 5:02
  don't
• 5:02
  know
• 5:02
  what
• 5:02
  the
• 5:02
  number
• 5:02
  is
• 5:03
  lately,
• 5:03
  but
• 5:03
  in
• 5:03
  the
• 5:03
  United
• 5:04
  States
• 5:04
  that
• 5:05
  most
• 5:05
  people
• 5:06
  have
• 5:06
  nowhere
• 5:06
  near
• 5:07
  that
• 5:07
  and
• 5:07
  they're
• 5:08
  on
• 5:08
  the
• 5:08
  verge
• 5:08
  of
• 5:08
  retirement.
• 5:09
  You've
• 5:09
  got
• 5:09
  retirement
• 5:10
  savings,
• 5:11
  you
• 5:11
  got
• 5:11
  a
• 5:11
  ton
• 5:11
  of
• 5:12
  equity
• 5:12
  in.
• 5:14
  This
• 5:14
  is
• 5:14
  not
• 5:14
  a
• 5:15
  crisis
• 5:15
  situation.
• 5:16
  I
• 5:16
  think
• 5:16
  it
• 5:16
  might
• 5:16
  be
• 5:16
  a
• 5:17
  lifestyle
• 5:17
  crisis
• 5:17
  for
• 5:18
  you.
• 5:18
  I
• 5:18
  think
• 5:18
  it
• 5:19
  might
• 5:19
  be
• 5:19
  an
• 5:19
  identity
• 5:20
  crisis.
• 5:21
  But
• 5:21
  it's
• 5:22
  a
• 5:22
  transition
• 5:22
  that
• 5:23
  needs
• 5:23
  careful
• 5:23
  decisions,
• 5:25
  not
• 5:25
  some
• 5:25
  quick
• 5:26
  decisions
• 5:26
  about,
• 5:26
  I'm
• 5:27
  going
• 5:27
  to
• 5:27
  go
• 5:27
  do
• 5:27
  this,
• 5:27
  this
• 5:27
  and
• 5:27
  this.
• 5:28
  You
• 5:28
  have
• 5:28
  worked
• 5:29
  so
• 5:29
  hard
• 5:30
  to
• 5:30
  build
• 5:30
  a
• 5:30
  margin
• 5:31
  in
• 5:31
  your
• 5:31
  life.
• 5:31
  So
• 5:31
  give
• 5:32
  yourself
• 5:32
  some
• 5:33
  space
• 5:33
  right
• 5:33
  now
• 5:34
  before
• 5:34
  you
• 5:34
  make
• 5:35
  any
• 5:35
  major
• 5:35
  moves.
• 5:37
  Which
• 5:37
  leads
• 5:37
  me
• 5:37
  to
• 5:37
  the
• 5:38
  second
• 5:38
  thing
• 5:38
  you've
• 5:38
  got
• 5:38
  to
• 5:39
  do.
• 5:39
  You
• 5:39
  gotta
• 5:40
  start
• 5:40
  redefining
• 5:41
  work
• 5:41
  for
• 5:41
  this
• 5:42
  season
• 5:42
  of
• 5:42
  your
• 5:42
  life.
• 5:44
  Don't
• 5:44
  try
• 5:44
  to
• 5:45
  build
• 5:45
  another
• 5:45
  25
• 5:46
  year
• 5:46
  career.
• 5:47
  I
• 5:48
  don't
• 5:48
  think
• 5:48
  you're
• 5:48
  going
• 5:48
  to
• 5:48
  do
• 5:49
  that
• 5:49
  and
• 5:49
  I
• 5:49
  don't
• 5:49
  think
• 5:49
  you
• 5:50
  need
• 5:50
  to
• 5:50
  do
• 5:50
  that.
• 5:50
  What
• 5:51
  you're
• 5:51
  trying
• 5:51
  to
• 5:51
  do
• 5:51
  is
• 5:52
  build
• 5:52
  a
• 5:52
  bridge.
• 5:53
  You've
• 5:53
  got
• 5:53
  land
• 5:54
  on
• 5:54
  one
• 5:54
  side
• 5:54
  and
• 5:55
  land
• 5:55
  on
• 5:55
  the
• 5:55
  other.
• 5:56
  And
• 5:56
  you're
• 5:56
  trying
• 5:56
  to
• 5:56
  just
• 5:57
  bridge
• 5:57
  between
• 5:57
  now
• 5:58
  and
• 5:58
  that
• 5:58
  point.
• 5:59
  Because
• 5:59
  when
• 5:59
  you
• 5:59
  think
• 6:00
  about
• 6:00
  it
• 6:00
  in
• 6:00
  terms
• 6:01
  of
• 6:01
  that,
• 6:01
  that
• 6:02
  changes
• 6:02
  the
• 6:02
  question.
• 6:04
  Instead
• 6:04
  of
• 6:04
  saying
• 6:04
  to
• 6:05
  yourself,
• 6:05
  what
• 6:05
  career
• 6:06
  can
• 6:06
  I
• 6:06
  restart?
• 6:08
  I
• 6:08
  don't
• 6:08
  think
• 6:08
  that's
• 6:08
  where
• 6:09
  you
• 6:09
  are.
• 6:09
  You've
• 6:10
  done
• 6:10
  a
• 6:10
  great
• 6:10
  job
• 6:10
  of
• 6:10
  being
• 6:11
  in
• 6:11
  a
• 6:11
  career.
• 6:11
  Ask
• 6:12
  yourself
• 6:12
  this
• 6:12
  question,
• 6:13
  what
• 6:13
  income
• 6:14
  can
• 6:14
  I
• 6:14
  create
• 6:15
  for
• 6:15
  the
• 6:15
  next
• 6:15
  few
• 6:15
  years?
• 6:16
  Because
• 6:17
  that's
• 6:17
  really
• 6:17
  what
• 6:17
  you're
• 6:18
  trying
• 6:18
  to
• 6:18
  do.
• 6:18
  You're
• 6:18
  trying
• 6:18
  to
• 6:18
  build
• 6:19
  a
• 6:19
  bridge.
• 6:19
  You're
• 6:20
  trying
• 6:20
  to
• 6:20
  get
• 6:20
  yourself
• 6:21
  in
• 6:21
  a
• 6:21
  way.
• 6:21
  You
• 6:21
  said
• 6:21
  it
• 6:22
  yourself,
• 6:22
  I'm
• 6:22
  looking
• 6:22
  for
• 6:23
  something
• 6:23
  that
• 6:23
  may
• 6:23
  be
• 6:23
  $50,000
• 6:24
  a
• 6:25
  year.
• 6:26
  This
• 6:26
  could
• 6:26
  be
• 6:26
  things
• 6:27
  like
• 6:27
  maybe
• 6:27
  do
• 6:27
  some
• 6:28
  consulting
• 6:28
  based
• 6:29
  on
• 6:29
  your
• 6:29
  experience.
• 6:30
  Take
• 6:30
  that
• 6:30
  experience
• 6:31
  that
• 6:31
  you
• 6:31
  have
• 6:33
  and
• 6:33
  go
• 6:33
  and
• 6:34
  put
• 6:34
  it
• 6:34
  to
• 6:34
  work.
• 6:34
  A
• 6:35
  lot
• 6:35
  of
• 6:35
  people
• 6:35
  that
• 6:35
  are
• 6:35
  let
• 6:36
  go
• 6:36
  of
• 6:36
  businesses
• 6:36
  or
• 6:37
  let
• 6:37
  go
• 6:37
  of
• 6:37
  these
• 6:37
  big
• 6:38
  companies,
• 6:38
  actually,
• 6:38
  it's
• 6:39
  funny,
• 6:39
  they
• 6:39
  come
• 6:40
  back
• 6:40
  as
• 6:40
  consultants
• 6:41
  and
• 6:41
  I've
• 6:41
  got
• 6:41
  a
• 6:41
  lot
• 6:41
  of
• 6:42
  them
• 6:42
  that
• 6:42
  are
• 6:42
  clients
• 6:42
  that
• 6:42
  make
• 6:43
  more
• 6:43
  money.
• 6:44
  You
• 6:44
  can
• 6:44
  look
• 6:44
  at
• 6:44
  some
• 6:45
  part
• 6:45
  time
• 6:45
  advisory
• 6:46
  roles.
• 6:46
  Maybe
• 6:47
  this
• 6:47
  company
• 6:47
  can't
• 6:48
  afford
• 6:48
  benefits
• 6:49
  and
• 6:49
  all
• 6:49
  the
• 6:49
  other
• 6:49
  package
• 6:50
  pieces
• 6:50
  that
• 6:50
  go
• 6:50
  like
• 6:51
  that,
• 6:51
  but
• 6:51
  you
• 6:51
  can
• 6:52
  do
• 6:52
  it
• 6:52
  on
• 6:52
  a
• 6:52
  part
• 6:52
  time
• 6:52
  basis.
• 6:53
  You
• 6:53
  may
• 6:53
  very
• 6:54
  well
• 6:54
  be
• 6:54
  able
• 6:54
  to
• 6:54
  make.
• 6:55
  Because
• 6:55
  if
• 6:55
  you
• 6:55
  think
• 6:55
  about
• 6:55
  it,
• 6:56
  you're
• 6:56
  telling
• 6:56
  me
• 6:56
  you're
• 6:56
  making
• 6:56
  about
• 6:57
  $200,000
• 6:58
  a
• 6:58
  year.
• 6:58
  It's
• 6:58
  great
• 6:59
  income,
• 6:59
  by
• 6:59
  the
• 6:59
  way.
• 7:00
  And
• 7:00
  you
• 7:00
  only
• 7:00
  need
• 7:01
  50.
• 7:01
  That's
• 7:02
  a
• 7:02
  quarter
• 7:02
  what
• 7:02
  you
• 7:02
  were
• 7:03
  making.
• 7:03
  Maybe
• 7:03
  you
• 7:04
  do
• 7:04
  some
• 7:04
  project
• 7:04
  based
• 7:05
  work,
• 7:05
  hey,
• 7:05
  here's
• 7:06
  a
• 7:06
  great
• 7:06
  idea.
• 7:07
  Maybe
• 7:07
  you
• 7:07
  get
• 7:07
  into
• 7:07
  teaching
• 7:08
  or
• 7:08
  coaching
• 7:09
  or
• 7:09
  mentoring
• 7:10
  in
• 7:10
  the
• 7:10
  industry
• 7:11
  that
• 7:11
  you're
• 7:11
  in.
• 7:12
  Maybe
• 7:13
  there's
• 7:13
  some
• 7:13
  contract
• 7:14
  roles
• 7:14
  in
• 7:15
  your
• 7:15
  industry.
• 7:15
  This
• 7:15
  is
• 7:15
  one
• 7:16
  of
• 7:16
  the
• 7:16
  big
• 7:16
  takeaways
• 7:16
  for
• 7:16
  today.
• 7:17
  You
• 7:18
  always
• 7:18
  have
• 7:18
  to
• 7:18
  be
• 7:19
  expecting
• 7:20
  this.
• 7:20
  So
• 7:21
  always
• 7:21
  be
• 7:21
  building
• 7:21
  up
• 7:22
  that
• 7:22
  LinkedIn
• 7:23
  profile.
• 7:23
  Build
• 7:24
  up
• 7:24
  those
• 7:24
  connections.
• 7:26
  You
• 7:26
  don't
• 7:26
  need
• 7:27
  the
• 7:27
  same
• 7:27
  title.
• 7:29
  I
• 7:29
  don't
• 7:29
  get
• 7:29
  from
• 7:29
  your
• 7:30
  questions,
• 7:30
  you're
• 7:30
  worried
• 7:30
  about
• 7:30
  titles.
• 7:31
  You
• 7:31
  just
• 7:31
  need
• 7:31
  some
• 7:32
  flexibility
• 7:32
  here.
• 7:33
  Now
• 7:33
  one
• 7:33
  of
• 7:33
  the
• 7:33
  things
• 7:34
  you
• 7:34
  do
• 7:34
  mention,
• 7:34
  which
• 7:35
  I
• 7:35
  think
• 7:35
  is
• 7:35
  perfect.
• 7:37
  Adjust
• 7:37
  your
• 7:38
  lifestyle
• 7:39
  before
• 7:39
  drawing
• 7:40
  heavily
• 7:40
  from
• 7:40
  investments.
• 7:41
  You've
• 7:41
  already
• 7:41
  said
• 7:41
  it.
• 7:42
  You
• 7:42
  said
• 7:42
  it
• 7:43
  yourself,
• 7:43
  downsizing
• 7:44
  is
• 7:44
  likely.
• 7:45
  You've
• 7:45
  got
• 7:45
  a
• 7:45
  house
• 7:46
  that's
• 7:46
  worth
• 7:46
  over
• 7:46
  a
• 7:47
  million
• 7:47
  dollars
• 7:47
  and
• 7:47
  you
• 7:48
  owe
• 7:48
  600,000
• 7:49
  on.
• 7:49
  There's
• 7:50
  a
• 7:50
  ton
• 7:50
  of
• 7:50
  equity
• 7:51
  in
• 7:51
  that.
• 7:51
  You
• 7:51
  might
• 7:52
  be
• 7:52
  able
• 7:52
  to
• 7:52
  sell
• 7:52
  your
• 7:52
  house
• 7:53
  and
• 7:53
  go
• 7:53
  buy
• 7:53
  something
• 7:54
  for
• 7:54
  cash.
• 7:55
  It's
• 7:55
  okay
• 7:56
  to
• 7:56
  change.
• 7:56
  That's
• 7:57
  not
• 7:57
  failure,
• 7:58
  that's
• 7:59
  strategy.
• 8:00
  The
• 8:00
  idea
• 8:01
  of
• 8:01
  reducing
• 8:01
  your
• 8:02
  fixed
• 8:02
  expenses
• 8:02
  now
• 8:03
  is
• 8:03
  great.
• 8:03
  It
• 8:04
  lowers
• 8:04
  the
• 8:04
  pressure
• 8:05
  on
• 8:05
  you.
• 8:05
  It
• 8:06
  lowers
• 8:06
  the
• 8:06
  pressure
• 8:06
  on
• 8:07
  having
• 8:07
  to
• 8:07
  take
• 8:07
  money
• 8:07
  out
• 8:08
  of
• 8:08
  your
• 8:08
  Investments,
• 8:09
  it
• 8:09
  extends
• 8:10
  how
• 8:10
  long
• 8:10
  your
• 8:10
  money's
• 8:11
  going
• 8:11
  to
• 8:11
  last.
• 8:11
  And
• 8:12
  honestly,
• 8:12
  it
• 8:12
  gives
• 8:13
  you
• 8:13
  some
• 8:13
  breathing
• 8:13
  room.
• 8:14
  Don't
• 8:15
  look
• 8:15
  at
• 8:15
  it
• 8:15
  like
• 8:15
  you're
• 8:16
  losing
• 8:16
  your
• 8:16
  lifestyle,
• 8:17
  what
• 8:17
  you're
• 8:18
  really
• 8:18
  doing.
• 8:18
  And
• 8:18
  I
• 8:18
  think
• 8:18
  you've
• 8:19
  got
• 8:19
  a
• 8:19
  good
• 8:19
  attitude
• 8:20
  just
• 8:20
  based
• 8:20
  on
• 8:20
  the
• 8:20
  tone
• 8:21
  of
• 8:21
  your
• 8:21
  voice.
• 8:22
  You've
• 8:22
  got
• 8:22
  a
• 8:22
  great
• 8:22
  attitude
• 8:23
  with
• 8:23
  this.
• 8:23
  You're
• 8:24
  not
• 8:24
  losing
• 8:24
  your
• 8:24
  lifestyle,
• 8:25
  you're
• 8:25
  protecting
• 8:26
  your
• 8:26
  future.
• 8:27
  But
• 8:27
  what
• 8:27
  we've
• 8:28
  really
• 8:28
  got
• 8:28
  to
• 8:28
  build
• 8:28
  here
• 8:29
  is
• 8:29
  we've
• 8:30
  got
• 8:30
  to
• 8:30
  build
• 8:30
  a
• 8:30
  simple
• 8:31
  income
• 8:31
  bridge
• 8:32
  plan.
• 8:33
  So
• 8:33
  think
• 8:33
  about
• 8:33
  this
• 8:33
  in
• 8:34
  phases.
• 8:34
  This
• 8:34
  isn't
• 8:35
  a
• 8:35
  forever
• 8:35
  thing.
• 8:36
  This
• 8:36
  is
• 8:36
  just
• 8:37
  for
• 8:37
  the
• 8:37
  next
• 8:37
  few
• 8:37
  years.
• 8:38
  Your
• 8:38
  goal
• 8:39
  was
• 8:39
  very
• 8:39
  clear.
• 8:39
  You
• 8:40
  said,
• 8:40
  ralph,
• 8:40
  I
• 8:40
  need
• 8:40
  to
• 8:41
  generate
• 8:41
  about
• 8:41
  $50,000
• 8:42
  a
• 8:43
  year.
• 8:43
  The
• 8:43
  reason
• 8:44
  you're
• 8:44
  doing
• 8:44
  that
• 8:44
  is
• 8:45
  you
• 8:45
  don't
• 8:45
  want
• 8:45
  to
• 8:45
  take
• 8:46
  money
• 8:46
  out
• 8:46
  of
• 8:46
  retirement.
• 8:47
  I
• 8:47
  respect
• 8:47
  that.
• 8:48
  You
• 8:48
  want
• 8:48
  to
• 8:48
  allow
• 8:49
  your
• 8:49
  investments
• 8:50
  times
• 8:50
  to
• 8:50
  continue
• 8:50
  to
• 8:51
  grow.
• 8:51
  And
• 8:51
  that's
• 8:51
  the
• 8:51
  thing.
• 8:52
  A
• 8:52
  lot
• 8:52
  of
• 8:52
  people
• 8:52
  would
• 8:52
  just
• 8:53
  jump
• 8:53
  in
• 8:53
  and
• 8:53
  say,
• 8:53
  let
• 8:53
  me
• 8:54
  take
• 8:54
  some
• 8:54
  of
• 8:54
  the
• 8:54
  money
• 8:54
  out
• 8:54
  of
• 8:55
  that
• 8:55
  investment.
• 8:55
  Bad
• 8:56
  plan.
• 8:57
  But
• 8:57
  your
• 8:57
  mix
• 8:58
  right
• 8:58
  now
• 8:58
  could
• 8:58
  be
• 8:58
  part
• 8:59
  time
• 8:59
  income.
• 9:00
  Maybe
• 9:00
  you
• 9:00
  do
• 9:00
  take
• 9:01
  some
• 9:01
  selective
• 9:01
  withdrawals
• 9:02
  to
• 9:02
  put
• 9:02
  yourself
• 9:03
  in
• 9:03
  better
• 9:03
  space
• 9:04
  and
• 9:04
  maybe
• 9:05
  downsizing,
• 9:05
  reduce
• 9:06
  those
• 9:06
  expenses.
• 9:06
  Think
• 9:07
  about
• 9:07
  it
• 9:07
  like
• 9:07
  this.
• 9:07
  If
• 9:08
  you've
• 9:08
  got
• 9:08
  a
• 9:08
  mortgage
• 9:09
  right
• 9:09
  now,
• 9:10
  you
• 9:10
  could
• 9:10
  potentially
• 9:11
  not
• 9:11
  have
• 9:11
  a
• 9:12
  mortgage
• 9:12
  at
• 9:12
  all.
• 9:13
  You
• 9:13
  could
• 9:13
  sell
• 9:13
  your
• 9:13
  home,
• 9:14
  take
• 9:14
  the
• 9:14
  equity
• 9:14
  from
• 9:15
  your
• 9:15
  home
• 9:15
  and
• 9:15
  buy
• 9:15
  something
• 9:16
  new.
• 9:16
  Maybe
• 9:16
  you
• 9:17
  don't
• 9:17
  need
• 9:17
  the
• 9:17
  space
• 9:17
  that
• 9:18
  you
• 9:18
  have
• 9:18
  before.
• 9:18
  Maybe
• 9:18
  the
• 9:18
  kids
• 9:19
  are
• 9:19
  gone
• 9:19
  and
• 9:20
  you
• 9:20
  just
• 9:20
  don't
• 9:20
  need
• 9:20
  what
• 9:21
  you
• 9:21
  have.
• 9:21
  But
• 9:22
  that
• 9:22
  clarity
• 9:22
  is
• 9:22
  going
• 9:22
  to
• 9:23
  come
• 9:23
  for
• 9:23
  you
• 9:23
  when
• 9:24
  you
• 9:24
  focus
• 9:24
  on
• 9:24
  the
• 9:25
  next
• 9:25
  step,
• 9:26
  not
• 9:26
  the
• 9:26
  next
• 9:26
  20
• 9:27
  years.
• 9:27
  Just
• 9:27
  think
• 9:27
  about
• 9:27
  what
• 9:28
  you've
• 9:28
  got
• 9:28
  to
• 9:29
  do
• 9:29
  right
• 9:29
  now.
• 9:30
  Because
• 9:30
  the
• 9:30
  big
• 9:31
  picture
• 9:31
  is
• 9:31
  this.
• 9:31
  You
• 9:32
  got
• 9:32
  to
• 9:32
  revisit
• 9:33
  that
• 9:33
  long
• 9:33
  term
• 9:34
  strategy
• 9:34
  with
• 9:35
  wisdom
• 9:35
  and
• 9:35
  not
• 9:36
  fear.
• 9:37
  You
• 9:37
  mentioned
• 9:37
  at
• 9:37
  the
• 9:37
  end
• 9:38
  of
• 9:38
  your
• 9:38
  call
• 9:39
  things
• 9:39
  like
• 9:39
  Social
• 9:39
  Security.
• 9:40
  I
• 9:40
  love
• 9:40
  what
• 9:40
  you're
• 9:41
  saying
• 9:41
  there,
• 9:41
  Ralph.
• 9:42
  I
• 9:42
  might
• 9:42
  wait
• 9:42
  till
• 9:42
  I'm
• 9:42
  70.
• 9:44
  Those
• 9:44
  decisions
• 9:45
  matter.
• 9:45
  I
• 9:45
  can't
• 9:46
  get
• 9:46
  into
• 9:46
  discussing
• 9:46
  those
• 9:47
  today.
• 9:47
  It'd
• 9:47
  be
• 9:47
  a
• 9:47
  great
• 9:47
  question
• 9:47
  for
• 9:48
  another
• 9:48
  show.
• 9:49
  But
• 9:49
  those
• 9:49
  things
• 9:50
  gotta
• 9:50
  be
• 9:50
  part
• 9:51
  of
• 9:51
  a
• 9:51
  bigger
• 9:51
  plan.
• 9:52
  And
• 9:53
  that's
• 9:53
  where
• 9:53
  the
• 9:54
  guidance
• 9:54
  helps
• 9:54
  of
• 9:54
  reaching
• 9:55
  out
• 9:55
  to
• 9:55
  somebody
• 9:55
  like
• 9:55
  me.
• 9:56
  Great
• 9:56
  first
• 9:56
  step.
• 9:57
  I
• 9:57
  think
• 9:57
  the
• 9:58
  next
• 9:58
  thing
• 9:58
  I
• 9:58
  would
• 9:58
  do
• 9:58
  is
• 9:58
  talk
• 9:59
  to
• 9:59
  a
• 9:59
  financial
• 9:59
  planner,
• 10:00
  talk
• 10:01
  to
• 10:01
  somebody
• 10:01
  who
• 10:01
  understands
• 10:02
  the
• 10:03
  tax
• 10:03
  things
• 10:03
  that
• 10:04
  are
• 10:04
  going
• 10:04
  to
• 10:04
  happen
• 10:04
  with
• 10:04
  this
• 10:06
  withdrawal
• 10:06
  strategies
• 10:07
  and
• 10:07
  maybe
• 10:08
  talk
• 10:08
  to
• 10:08
  them
• 10:08
  about
• 10:09
  doing
• 10:09
  some
• 10:09
  portfolio
• 10:10
  rebalancing.
• 10:10
  Because
• 10:11
  now
• 10:11
  as
• 10:11
  you're
• 10:12
  starting
• 10:12
  to
• 10:12
  see
• 10:12
  it,
• 10:13
  the
• 10:13
  time
• 10:14
  in
• 10:14
  the
• 10:14
  rear
• 10:14
  view
• 10:14
  mirror
• 10:15
  is,
• 10:15
  is
• 10:15
  bigger
• 10:15
  than
• 10:16
  the
• 10:16
  ones
• 10:16
  in
• 10:16
  front
• 10:16
  of
• 10:16
  you.
• 10:17
  You
• 10:17
  don't
• 10:17
  have
• 10:18
  to
• 10:18
  figure
• 10:18
  this
• 10:18
  all
• 10:18
  out
• 10:18
  alone
• 10:19
  and
• 10:19
  you
• 10:19
  don't
• 10:20
  have
• 10:20
  to
• 10:20
  rush
• 10:20
  it.
• 10:20
  So
• 10:21
  go
• 10:21
  find
• 10:22
  that
• 10:22
  dream
• 10:23
  team
• 10:23
  I
• 10:23
  talked
• 10:23
  about
• 10:24
  on
• 10:24
  the
• 10:24
  show.
• 10:25
  But
• 10:25
  I
• 10:25
  want
• 10:25
  to
• 10:25
  go
• 10:25
  a
• 10:26
  little
• 10:26
  deeper
• 10:26
  right
• 10:26
  now.
• 10:27
  One
• 10:27
  of
• 10:27
  the
• 10:27
  things
• 10:27
  I
• 10:28
  want
• 10:28
  to
• 10:28
  start
• 10:28
  to
• 10:28
  introduce
• 10:29
  in
• 10:29
  this
• 10:29
  show
• 10:29
  is
• 10:29
  what
• 10:29
  I
• 10:30
  call
• 10:30
  a
• 10:30
  faith
• 10:30
  moment.
• 10:31
  I
• 10:31
  want
• 10:31
  to
• 10:31
  go
• 10:31
  a
• 10:31
  little
• 10:31
  deeper
• 10:32
  because
• 10:32
  you
• 10:32
  come
• 10:33
  here
• 10:33
  for
• 10:33
  the.
• 10:34
  For
• 10:34
  the
• 10:34
  financial
• 10:35
  side
• 10:35
  of
• 10:35
  this,
• 10:36
  but
• 10:36
  there's
• 10:36
  also
• 10:36
  a
• 10:37
  faith
• 10:37
  side
• 10:37
  of
• 10:38
  this
• 10:38
  because
• 10:39
  when
• 10:39
  I
• 10:39
  re
• 10:39
  listen
• 10:40
  to
• 10:40
  your
• 10:40
  question,
• 10:41
  what
• 10:41
  you're
• 10:42
  really
• 10:42
  facing
• 10:42
  here
• 10:43
  is
• 10:43
  uncertainty.
• 10:45
  Uncertainty
• 10:45
  does
• 10:45
  not
• 10:46
  feel
• 10:46
  good
• 10:46
  in
• 10:46
  our
• 10:47
  flesh.
• 10:47
  Listen,
• 10:48
  I
• 10:48
  don't
• 10:48
  like
• 10:48
  uncertainty
• 10:49
  at
• 10:49
  all.
• 10:49
  I
• 10:49
  like
• 10:49
  to
• 10:50
  know,
• 10:50
  here's
• 10:50
  what's
• 10:50
  going
• 10:50
  to
• 10:50
  happen,
• 10:51
  here's
• 10:51
  what's
• 10:52
  going
• 10:52
  to
• 10:52
  be
• 10:52
  next.
• 10:53
  And
• 10:53
  so
• 10:53
  for
• 10:54
  all
• 10:54
  of
• 10:54
  us,
• 10:54
  that
• 10:54
  can
• 10:55
  feel
• 10:55
  super
• 10:55
  unsettling.
• 10:57
  But
• 10:57
  remember
• 10:57
  this,
• 10:59
  God
• 10:59
  is
• 10:59
  not
• 11:00
  limited
• 11:00
  by
• 11:01
  the
• 11:01
  plans
• 11:01
  that
• 11:01
  changed.
• 11:03
  Even
• 11:03
  in
• 11:04
  this
• 11:04
  time
• 11:04
  of
• 11:04
  your
• 11:05
  life,
• 11:06
  God
• 11:06
  is
• 11:06
  present
• 11:07
  in
• 11:07
  what
• 11:07
  comes
• 11:08
  next.
• 11:09
  I
• 11:09
  wrote
• 11:09
  a
• 11:09
  song
• 11:09
  a
• 11:09
  few
• 11:09
  months
• 11:10
  ago,
• 11:10
  even
• 11:10
  here,
• 11:11
  even
• 11:11
  now.
• 11:12
  So
• 11:13
  just
• 11:13
  think
• 11:13
  about
• 11:13
  this.
• 11:13
  Make
• 11:13
  this
• 11:14
  simple
• 11:14
  prayer.
• 11:14
  We'll
• 11:14
  pray
• 11:15
  in
• 11:15
  a
• 11:15
  minute.
• 11:15
  But
• 11:15
  maybe
• 11:16
  right
• 11:16
  now
• 11:16
  you
• 11:16
  say,
• 11:16
  lord,
• 11:17
  I
• 11:17
  didn't
• 11:17
  expect
• 11:17
  this,
• 11:19
  but
• 11:19
  help
• 11:20
  me
• 11:20
  to
• 11:20
  trust
• 11:20
  you
• 11:20
  in
• 11:21
  what's
• 11:21
  ahead.
• 11:21
  Because
• 11:22
  the
• 11:22
  Lord
• 11:22
  said,
• 11:22
  I'll
• 11:23
  never
• 11:23
  leave
• 11:23
  you
• 11:23
  nor
• 11:23
  forsake
• 11:24
  you.
• 11:24
  This
• 11:24
  may
• 11:25
  feel
• 11:25
  like
• 11:25
  a
• 11:25
  storm,
• 11:26
  but
• 11:26
  trust
• 11:26
  me,
• 11:27
  God
• 11:27
  is
• 11:27
  right
• 11:28
  there
• 11:28
  with
• 11:28
  you.
• 11:29
  And
• 11:29
  yes,
• 11:29
  this
• 11:30
  transition
• 11:30
  feels
• 11:31
  uncertain,
• 11:32
  but
• 11:33
  you're
• 11:33
  not
• 11:33
  without
• 11:33
  direction.
• 11:35
  So
• 11:35
  here's
• 11:35
  your
• 11:36
  win
• 11:36
  for
• 11:36
  today.
• 11:37
  This
• 11:37
  is
• 11:37
  super
• 11:38
  direct
• 11:38
  to
• 11:38
  your
• 11:38
  question.
• 11:39
  You
• 11:39
  need
• 11:39
  to
• 11:40
  build
• 11:40
  a
• 11:40
  bridge
• 11:40
  plan.
• 11:41
  Just
• 11:41
  write
• 11:42
  down
• 11:42
  one
• 11:42
  sentence.
• 11:43
  For
• 11:43
  the
• 11:43
  next
• 11:43
  two
• 11:43
  or
• 11:44
  three
• 11:44
  years,
• 11:44
  I'm
• 11:45
  going
• 11:45
  to
• 11:45
  focus
• 11:45
  on
• 11:46
  X.
• 11:47
  I
• 11:47
  don't
• 11:47
  know
• 11:47
  what
• 11:47
  that
• 11:47
  is
• 11:48
  for
• 11:48
  you.
• 11:48
  I
• 11:48
  don't
• 11:48
  know
• 11:48
  what
• 11:49
  your
• 11:49
  skill
• 11:49
  set
• 11:49
  is,
• 11:49
  but
• 11:50
  I'm
• 11:50
  going
• 11:50
  to
• 11:50
  focus
• 11:50
  on
• 11:51
  that
• 11:51
  to
• 11:51
  create
• 11:51
  income
• 11:52
  and
• 11:52
  reduce
• 11:53
  pressure.
• 11:53
  Keep
• 11:54
  it
• 11:54
  simple.
• 11:56
  Progress
• 11:56
  starts
• 11:57
  with
• 11:57
  just
• 11:57
  one
• 11:57
  clear
• 11:58
  step.
• 11:58
  And
• 11:58
  that's
• 11:58
  all
• 11:58
  you
• 11:59
  need
• 11:59
  right
• 11:59
  now.
• 11:59
  You
• 11:59
  don't
• 12:00
  need
• 12:00
  to
• 12:00
  make
• 12:00
  15
• 12:01
  decisions.
• 12:01
  You
• 12:02
  need
• 12:02
  to
• 12:02
  just
• 12:02
  remember
• 12:03
  that
• 12:03
  I'm
• 12:03
  in
• 12:04
  really
• 12:04
  good
• 12:04
  shape.
• 12:04
  Listen,
• 12:05
  you
• 12:05
  heard
• 12:05
  it
• 12:05
  from
• 12:05
  me.
• 12:05
  I'm
• 12:06
  an
• 12:06
  expert
• 12:06
  in
• 12:07
  this.
• 12:07
  You
• 12:07
  are
• 12:08
  in
• 12:08
  fantastic
• 12:10
  financial
• 12:10
  shape.
• 12:11
  You
• 12:12
  can
• 12:12
  get
• 12:12
  through
• 12:12
  this
• 12:13
  and
• 12:13
  God
• 12:13
  is
• 12:13
  with
• 12:13
  you.
• 12:14
  Let's
• 12:14
  look
• 12:14
  at
• 12:14
  the
• 12:14
  book
• 12:14
  of
• 12:15
  Proverbs,
• 12:15
  chapter
• 12:16
  3,
• 12:16
  verses
• 12:17
  5
• 12:17
  and
• 12:17
  6,
• 12:17
  because
• 12:18
  this
• 12:18
  nails
• 12:18
  it.
• 12:19
  Trust
• 12:20
  in
• 12:20
  the
• 12:20
  Lord
• 12:20
  with
• 12:20
  all
• 12:21
  your
• 12:21
  heart
• 12:21
  and
• 12:22
  lean
• 12:22
  not
• 12:22
  on
• 12:22
  your
• 12:23
  own
• 12:23
  understanding.
• 12:24
  In
• 12:24
  all
• 12:25
  your
• 12:25
  ways.
• 12:25
  Submit
• 12:25
  to
• 12:25
  him
• 12:26
  and
• 12:26
  he
• 12:27
  will
• 12:27
  make
• 12:27
  your
• 12:28
  path
• 12:28
  straight.
• 12:30
  That
• 12:30
  answers
• 12:30
  the
• 12:30
  question
• 12:31
  right
• 12:31
  there,
• 12:31
  doesn't
• 12:31
  it?
• 12:32
  Submit
• 12:32
  it
• 12:33
  to
• 12:33
  him.
• 12:34
  Because
• 12:34
  even
• 12:34
  when
• 12:35
  our
• 12:35
  plans
• 12:36
  change
• 12:36
  unexpectedly,
• 12:38
  God
• 12:38
  is
• 12:38
  still
• 12:38
  guiding
• 12:39
  us
• 12:39
  in
• 12:39
  our
• 12:40
  next
• 12:40
  step.
• 12:40
  We
• 12:40
  just
• 12:40
  have
• 12:40
  to
• 12:41
  ask
• 12:41
  him.
• 12:41
  He's
• 12:42
  guiding
• 12:42
  us
• 12:42
  in
• 12:43
  our
• 12:43
  next
• 12:43
  steps
• 12:44
  with
• 12:44
  purpose.
• 12:45
  Well,
• 12:45
  let's
• 12:46
  pray
• 12:46
  to
• 12:46
  God
• 12:46
  right
• 12:46
  now.
• 12:47
  Heavenly
• 12:48
  Father,
• 12:49
  right
• 12:49
  now,
• 12:49
  I
• 12:49
  lift
• 12:50
  up
• 12:50
  my
• 12:50
  friend
• 12:50
  who's
• 12:50
  walking
• 12:51
  through
• 12:51
  this
• 12:51
  unexpected
• 12:52
  transition.
• 12:54
  You
• 12:54
  see
• 12:54
  the
• 12:54
  uncertainty,
• 12:55
  Lord,
• 12:55
  and
• 12:56
  you
• 12:56
  see
• 12:56
  the
• 12:56
  questions
• 12:56
  that
• 12:57
  he's
• 12:57
  asking
• 12:58
  and
• 12:58
  you
• 12:58
  see
• 12:58
  the
• 12:59
  weight,
• 12:59
  the
• 12:59
  heavy
• 12:59
  weight
• 13:00
  that
• 13:00
  he's
• 13:00
  carrying.
• 13:01
  So,
• 13:01
  Lord,
• 13:02
  right
• 13:02
  now,
• 13:02
  at
• 13:02
  this
• 13:02
  very
• 13:03
  moment,
• 13:03
  I
• 13:03
  ask
• 13:03
  that
• 13:04
  you
• 13:04
  would
• 13:04
  bring
• 13:04
  peace
• 13:04
  where
• 13:05
  there
• 13:05
  is
• 13:05
  fear.
• 13:06
  Give
• 13:06
  him
• 13:07
  wisdom
• 13:07
  to
• 13:07
  make
• 13:07
  the
• 13:08
  right
• 13:08
  financial
• 13:08
  decisions,
• 13:09
  Lord.
• 13:09
  He's
• 13:09
  made
• 13:10
  a
• 13:10
  lot
• 13:10
  of
• 13:10
  them
• 13:10
  and
• 13:10
  you've
• 13:11
  provided
• 13:11
  for
• 13:11
  him.
• 13:12
  But
• 13:12
  open
• 13:12
  doors
• 13:13
  for
• 13:13
  provision
• 13:14
  in
• 13:14
  ways
• 13:14
  that
• 13:14
  he
• 13:15
  doesn't
• 13:15
  even
• 13:15
  see
• 13:16
  right
• 13:16
  now.
• 13:17
  Help
• 13:17
  him
• 13:18
  to
• 13:18
  release
• 13:18
  that
• 13:19
  feeling
• 13:19
  that
• 13:19
  was
• 13:20
  planned
• 13:20
  and
• 13:20
  trust
• 13:21
  you
• 13:21
  with
• 13:21
  what
• 13:22
  comes
• 13:22
  next.
• 13:23
  And
• 13:24
  remind
• 13:24
  us
• 13:24
  all,
• 13:24
  Lord,
• 13:25
  that
• 13:25
  our
• 13:25
  identity
• 13:26
  is
• 13:26
  not
• 13:26
  in
• 13:26
  our
• 13:27
  job,
• 13:28
  but
• 13:28
  it's
• 13:28
  in
• 13:29
  you.
• 13:30
  And
• 13:30
  Lord,
• 13:30
  we
• 13:30
  know
• 13:30
  that
• 13:31
  you're
• 13:31
  going
• 13:31
  to
• 13:31
  be
• 13:31
  faithful
• 13:32
  to
• 13:32
  us
• 13:32
  in
• 13:32
  every
• 13:33
  season
• 13:33
  of
• 13:33
  our
• 13:33
  life.
• 13:34
  And
• 13:34
  I
• 13:34
  ask
• 13:34
  this
• 13:35
  in
• 13:35
  the
• 13:35
  beautiful
• 13:36
  name
• 13:36
  of
• 13:36
  Jesus.
• 13:37
  Amen.
• 13:39
  Friend,
• 13:39
  I
• 13:39
  want
• 13:39
  you
• 13:39
  to
• 13:40
  hear
• 13:40
  me
• 13:40
  on
• 13:40
  this.
• 13:41
  Your
• 13:41
  plans
• 13:42
  have
• 13:42
  changed.
• 13:43
  That
• 13:43
  idyllic
• 13:44
  thing
• 13:44
  that
• 13:44
  you
• 13:44
  said,
• 13:44
  this
• 13:45
  is
• 13:45
  what
• 13:45
  I'm
• 13:45
  going
• 13:45
  to
• 13:45
  do,
• 13:46
  has
• 13:46
  changed.
• 13:48
  But
• 13:48
  your
• 13:48
  future
• 13:48
  is
• 13:49
  still
• 13:49
  being
• 13:49
  guided
• 13:50
  and
• 13:50
  God
• 13:50
  is
• 13:51
  right
• 13:51
  there
• 13:51
  with
• 13:51
  you
• 13:51
  right
• 13:51
  now.
• 13:53
  Now
• 13:53
  maybe
• 13:53
  right
• 13:53
  now
• 13:53
  you're
• 13:54
  listening
• 13:54
  to
• 13:54
  this
• 13:54
  and
• 13:54
  this
• 13:55
  isn't
• 13:55
  your
• 13:55
  situation,
• 13:56
  but
• 13:56
  maybe
• 13:56
  you're
• 13:57
  facing
• 13:57
  a
• 13:57
  financial
• 13:58
  decision
• 13:58
  and
• 13:58
  you're
• 13:59
  not
• 13:59
  sure
• 13:59
  what
• 13:59
  comes
• 14:00
  next.
• 14:01
  I
• 14:01
  would
• 14:01
  love
• 14:01
  to
• 14:01
  help
• 14:02
  you
• 14:02
  along
• 14:02
  that
• 14:02
  journey.
• 14:03
  You
• 14:03
  can
• 14:03
  go
• 14:04
  to
• 14:04
  financiallyconfidentchristian.com/question
• 14:08
  We'll
• 14:08
  put
• 14:08
  a
• 14:08
  link
• 14:08
  in
• 14:08
  the
• 14:09
  show
• 14:09
  notes,
• 14:09
  but
• 14:09
  tell
• 14:10
  me
• 14:10
  what's
• 14:10
  going
• 14:10
  on.
• 14:11
  Let
• 14:11
  me
• 14:11
  help
• 14:11
  you.
• 14:12
  Go
• 14:12
  to
• 14:12
  financiallyconfidentchristian.com/question
• 14:17
  I
• 14:17
  want
• 14:17
  to
• 14:17
  thank
• 14:17
  you
• 14:18
  so
• 14:18
  much
• 14:18
  for
• 14:18
  the
• 14:18
  question
• 14:19
  today.
• 14:19
  I
• 14:19
  really
• 14:20
  do
• 14:20
  wish
• 14:20
  you
• 14:20
  the
• 14:20
  best.
• 14:21
  Thank
• 14:21
  you.
• 14:21
  Thank
• 14:21
  you
• 14:21
  for
• 14:21
  joining
• 14:22
  me.
• 14:22
  Stay
• 14:23
  financially
• 14:23
  savvy.
• 14:24
  May
• 14:24
  God
• 14:24
  bless
• 14:24
  you
• 14:25
  and
• 14:25
  you
• 14:26
  have
• 14:26
  a
• 14:26
  great
• 14:26
  day.