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How Do I Rebuild My Broken Credit Score? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:38
  your
• 0:38
  credit
• 0:38
  score
• 0:38
  isn't
• 0:38
  the
• 0:39
  real
• 0:39
  problem?
• 0:40
  What
• 0:40
  if
• 0:41
  the
• 0:41
  real
• 0:41
  struggle
• 0:42
  is
• 0:42
  trusting
• 0:43
  yourself
• 0:43
  again?
• 0:45
  If
• 0:45
  you're
• 0:45
  trying
• 0:46
  to
• 0:46
  rebuild,
• 0:46
  but
• 0:46
  you're
• 0:47
  afraid
• 0:47
  of
• 0:47
  repeating
• 0:48
  the
• 0:48
  past.
• 0:49
  Today
• 0:49
  we're
• 0:49
  going
• 0:49
  to
• 0:49
  walk
• 0:49
  through
• 0:50
  this
• 0:50
  with
• 0:50
  clarity,
• 0:51
  with
• 0:51
  grace,
• 0:52
  and
• 0:52
  a
• 0:53
  plan
• 0:53
  that
• 0:53
  you
• 0:53
  can
• 0:53
  trust.
• 0:54
  Going
• 0:54
  to
• 0:54
  be
• 0:54
  a
• 0:54
  great
• 0:55
  show
• 0:55
  about
• 0:55
  credit
• 0:56
  building
• 0:56
  today.
• 1:17
  Hello,
• 1:17
  friend.
• 1:18
  Ralph
• 1:18
  Estep
• 1:18
  Jr.
• 1:19
  Here.
• 1:19
  Welcome
• 1:20
  to
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian,
• 1:22
  where
• 1:22
  every
• 1:22
  day
• 1:22
  my
• 1:22
  goal
• 1:23
  is
• 1:23
  to
• 1:23
  help
• 1:23
  you
• 1:23
  break
• 1:24
  that
• 1:24
  cycle
• 1:24
  of
• 1:25
  financial
• 1:25
  shame
• 1:26
  and
• 1:26
  live
• 1:26
  with
• 1:27
  confidence.
• 1:28
  And
• 1:28
  today
• 1:28
  we're
• 1:29
  going
• 1:29
  to
• 1:29
  talk
• 1:29
  about
• 1:29
  how
• 1:29
  to
• 1:30
  rebuild
• 1:30
  your
• 1:30
  credit
• 1:31
  without
• 1:31
  falling
• 1:31
  back
• 1:32
  into
• 1:32
  old
• 1:33
  patterns.
• 1:34
  And
• 1:34
  we
• 1:34
  actually
• 1:34
  got
• 1:34
  a
• 1:35
  voicemail
• 1:35
  message
• 1:36
  from,
• 1:36
  from
• 1:36
  a
• 1:36
  listener
• 1:37
  that
• 1:37
  is
• 1:37
  going
• 1:37
  through
• 1:37
  that
• 1:38
  just
• 1:38
  right
• 1:39
  now.
• 1:41
  Hey,
• 1:41
  Ralph,
• 1:42
  quick
• 1:42
  question.
• 1:43
  My
• 1:44
  credit
• 1:44
  score
• 1:44
  dropped
• 1:45
  recently
• 1:45
  and
• 1:46
  I'm
• 1:46
  trying
• 1:46
  to
• 1:46
  get
• 1:46
  back
• 1:47
  on
• 1:47
  track.
• 1:48
  I
• 1:49
  think
• 1:49
  what's
• 1:49
  messing
• 1:49
  with
• 1:50
  me
• 1:50
  is
• 1:51
  I
• 1:51
  don't
• 1:52
  fully
• 1:52
  trust
• 1:53
  my
• 1:53
  decisions
• 1:53
  right
• 1:53
  now.
• 1:54
  I
• 1:55
  don't
• 1:55
  want
• 1:55
  to
• 1:55
  overcorrect
• 1:56
  or
• 1:56
  end
• 1:57
  up
• 1:57
  making
• 1:57
  the
• 1:57
  same
• 1:58
  mistakes
• 1:58
  again.
• 1:59
  I
• 1:59
  do
• 1:59
  want
• 2:00
  to
• 2:00
  move
• 2:00
  forward
• 2:01
  just
• 2:01
  in
• 2:02
  a
• 2:02
  smarter,
• 2:03
  more
• 2:03
  steady
• 2:03
  way.
• 2:06
  So
• 2:06
  what
• 2:06
  are
• 2:07
  the
• 2:07
  first
• 2:07
  three
• 2:08
  steps
• 2:08
  you'd
• 2:08
  recommend
• 2:09
  to
• 2:09
  rebuild
• 2:10
  my
• 2:10
  credit
• 2:10
  without
• 2:11
  falling
• 2:11
  into
• 2:12
  the
• 2:12
  same
• 2:12
  cycle?
• 2:13
  Thank
• 2:13
  you
• 2:14
  and
• 2:14
  have
• 2:14
  a
• 2:14
  good
• 2:14
  day.
• 2:16
  Well,
• 2:16
  thank
• 2:16
  you
• 2:16
  for
• 2:16
  that
• 2:17
  call.
• 2:17
  Thank
• 2:17
  you
• 2:17
  for
• 2:17
  that
• 2:18
  question.
• 2:18
  And
• 2:18
  I
• 2:18
  want
• 2:19
  to
• 2:19
  start
• 2:19
  here.
• 2:20
  You
• 2:21
  are
• 2:21
  not
• 2:21
  your
• 2:21
  credit
• 2:22
  score.
• 2:23
  So
• 2:23
  many
• 2:23
  people
• 2:23
  get
• 2:24
  hung
• 2:24
  up
• 2:24
  on
• 2:24
  that
• 2:25
  as,
• 2:25
  oh,
• 2:25
  that's
• 2:26
  my
• 2:26
  number.
• 2:26
  I
• 2:27
  used
• 2:27
  to
• 2:27
  work
• 2:27
  in
• 2:27
  the
• 2:27
  credit
• 2:28
  union
• 2:28
  industry,
• 2:29
  and
• 2:29
  so
• 2:29
  many
• 2:29
  people,
• 2:30
  when
• 2:30
  we
• 2:30
  started
• 2:30
  looking
• 2:31
  at
• 2:31
  those
• 2:31
  scoring
• 2:31
  models
• 2:32
  that
• 2:32
  identified
• 2:33
  them,
• 2:33
  that
• 2:33
  was
• 2:34
  their
• 2:34
  identity.
• 2:35
  It's
• 2:36
  just
• 2:36
  a
• 2:36
  number.
• 2:37
  It's
• 2:38
  not
• 2:38
  your
• 2:38
  identity.
• 2:40
  And
• 2:40
  the
• 2:40
  fact
• 2:40
  that
• 2:41
  you're
• 2:41
  asking
• 2:41
  this
• 2:41
  question
• 2:42
  today
• 2:42
  means
• 2:43
  that
• 2:43
  something's
• 2:43
  already
• 2:44
  changing
• 2:44
  in
• 2:44
  your
• 2:45
  mind.
• 2:45
  Now,
• 2:45
  you
• 2:45
  asked
• 2:45
  me
• 2:46
  for
• 2:46
  three
• 2:46
  steps.
• 2:47
  I'm
• 2:47
  actually
• 2:47
  going
• 2:48
  to
• 2:48
  give
• 2:48
  you
• 2:48
  five
• 2:50
  because
• 2:50
  here's
• 2:50
  the
• 2:50
  big
• 2:51
  takeaway
• 2:51
  for
• 2:51
  today.
• 2:52
  Lasting
• 2:53
  credit
• 2:53
  repair
• 2:53
  comes
• 2:54
  from
• 2:54
  new
• 2:54
  patterns,
• 2:55
  not
• 2:55
  just
• 2:55
  better
• 2:56
  numbers.
• 2:56
  We've
• 2:56
  got
• 2:56
  to
• 2:57
  get
• 2:57
  beyond
• 2:57
  the
• 2:57
  number
• 2:58
  and
• 2:58
  start
• 2:58
  to
• 2:58
  look
• 2:59
  at
• 2:59
  the
• 2:59
  patterns.
• 3:00
  So
• 3:00
  here's
• 3:00
  the
• 3:00
  first
• 3:01
  thing
• 3:01
  I'm
• 3:01
  going
• 3:01
  to
• 3:01
  encourage
• 3:01
  you
• 3:01
  to
• 3:02
  do.
• 3:02
  Rebuild
• 3:03
  trust
• 3:03
  with
• 3:04
  small,
• 3:04
  controlled
• 3:05
  actions.
• 3:06
  So
• 3:07
  many
• 3:07
  people
• 3:07
  go
• 3:07
  into
• 3:08
  this
• 3:08
  with
• 3:08
  the
• 3:08
  goal
• 3:09
  of
• 3:09
  fixing
• 3:09
  everything
• 3:11
  that's
• 3:11
  not
• 3:11
  going
• 3:11
  to
• 3:11
  be
• 3:12
  sustainable
• 3:12
  right
• 3:13
  now.
• 3:13
  The
• 3:13
  goal
• 3:13
  needs
• 3:14
  to
• 3:14
  be,
• 3:14
  I'm
• 3:14
  going
• 3:14
  to
• 3:15
  fix
• 3:15
  something.
• 3:16
  You've
• 3:16
  got
• 3:17
  to
• 3:17
  rebuild
• 3:17
  trust
• 3:17
  with
• 3:18
  yourself.
• 3:18
  In
• 3:18
  a
• 3:18
  lot
• 3:19
  of
• 3:19
  ways,
• 3:20
  credit
• 3:20
  repair
• 3:21
  is
• 3:21
  building
• 3:21
  trust
• 3:22
  with
• 3:22
  yourself,
• 3:23
  rebuilding
• 3:24
  that
• 3:24
  trust.
• 3:25
  So
• 3:26
  you
• 3:26
  got
• 3:26
  to
• 3:26
  start
• 3:26
  small,
• 3:27
  just
• 3:28
  one
• 3:28
  account,
• 3:29
  maybe
• 3:29
  work
• 3:30
  on
• 3:30
  particular
• 3:30
  account,
• 3:31
  maybe
• 3:31
  one
• 3:31
  payment
• 3:32
  or
• 3:32
  just
• 3:32
  one
• 3:32
  consistent
• 3:33
  action.
• 3:34
  Because
• 3:34
  trust
• 3:35
  isn't
• 3:35
  rebuilt
• 3:36
  through
• 3:36
  big
• 3:36
  promises.
• 3:38
  If
• 3:38
  you
• 3:38
  go
• 3:38
  into
• 3:38
  this
• 3:39
  with
• 3:39
  the
• 3:39
  idea
• 3:39
  that
• 3:40
  I'm
• 3:40
  going
• 3:40
  To
• 3:40
  fix
• 3:41
  all
• 3:41
  of
• 3:41
  my
• 3:41
  credit
• 3:41
  issues,
• 3:42
  I'm
• 3:42
  going
• 3:42
  to
• 3:42
  make
• 3:43
  this
• 3:43
  big
• 3:43
  promise
• 3:43
  to
• 3:44
  myself.
• 3:45
  You're
• 3:45
  going
• 3:45
  to
• 3:45
  let
• 3:46
  yourself
• 3:46
  down
• 3:46
  and
• 3:47
  you're
• 3:47
  going
• 3:47
  to
• 3:47
  come
• 3:47
  up
• 3:48
  short.
• 3:49
  But
• 3:49
  it's
• 3:50
  rebuilt
• 3:50
  in
• 3:50
  those
• 3:51
  tiny
• 3:51
  daily
• 3:52
  commitments
• 3:53
  to
• 3:53
  paying
• 3:53
  your
• 3:53
  bills
• 3:54
  on
• 3:54
  time,
• 3:54
  keeping
• 3:55
  that
• 3:55
  credit
• 3:55
  utilization
• 3:56
  lower.
• 3:57
  One
• 3:57
  of
• 3:57
  the
• 3:58
  best
• 3:58
  ways
• 3:58
  you
• 3:58
  can
• 3:58
  do
• 3:59
  that
• 3:59
  is
• 3:59
  to
• 3:59
  simplify
• 4:00
  your
• 4:00
  credit
• 4:00
  structure.
• 4:02
  Too
• 4:02
  many
• 4:02
  moving
• 4:03
  parts
• 4:03
  create
• 4:03
  too
• 4:03
  many
• 4:04
  opportunities
• 4:04
  to
• 4:05
  slip
• 4:05
  back
• 4:05
  into
• 4:05
  old
• 4:06
  habits.
• 4:06
  And
• 4:06
  I'm
• 4:07
  going
• 4:07
  to
• 4:07
  call
• 4:07
  myself
• 4:08
  out
• 4:08
  on
• 4:08
  this
• 4:08
  show
• 4:08
  today.
• 4:09
  About
• 4:10
  two
• 4:10
  years
• 4:10
  ago,
• 4:10
  I
• 4:10
  found
• 4:11
  I
• 4:11
  had
• 4:11
  way
• 4:11
  too
• 4:12
  many
• 4:12
  credit
• 4:12
  cards.
• 4:13
  Every
• 4:13
  time
• 4:13
  I
• 4:13
  was
• 4:14
  out,
• 4:14
  store
• 4:15
  was
• 4:15
  offering,
• 4:15
  well,
• 4:15
  we'll
• 4:16
  give
• 4:16
  you
• 4:16
  20%
• 4:17
  off
• 4:17
  if
• 4:17
  you
• 4:17
  get
• 4:17
  our
• 4:18
  credit
• 4:18
  card
• 4:18
  and
• 4:18
  I'll
• 4:18
  do
• 4:18
  this.
• 4:19
  And
• 4:19
  those
• 4:19
  are
• 4:20
  great.
• 4:21
  The
• 4:21
  perks
• 4:21
  are
• 4:21
  great,
• 4:23
  but
• 4:23
  they're
• 4:23
  also
• 4:23
  easy
• 4:24
  to
• 4:24
  mess
• 4:24
  up.
• 4:25
  I
• 4:25
  found
• 4:25
  myself
• 4:26
  missing
• 4:26
  payments
• 4:26
  because
• 4:27
  I
• 4:27
  forgot
• 4:27
  about
• 4:27
  that
• 4:28
  credit
• 4:28
  card.
• 4:28
  Funny,
• 4:28
  my
• 4:29
  son
• 4:29
  and
• 4:29
  I
• 4:29
  were
• 4:29
  out
• 4:29
  yesterday.
• 4:30
  We
• 4:30
  went
• 4:30
  to
• 4:30
  a
• 4:31
  sporting
• 4:31
  goods
• 4:31
  store.
• 4:31
  He
• 4:32
  wanted
• 4:32
  to
• 4:32
  buy
• 4:32
  some
• 4:32
  weights
• 4:33
  and
• 4:33
  we
• 4:33
  were
• 4:33
  checking
• 4:34
  out
• 4:34
  and
• 4:34
  the
• 4:34
  lady
• 4:34
  was
• 4:34
  really
• 4:35
  nice.
• 4:35
  She
• 4:35
  said,
• 4:35
  hey,
• 4:36
  I
• 4:36
  can
• 4:36
  offer
• 4:36
  you
• 4:37
  $60
• 4:37
  off
• 4:37
  your
• 4:38
  purchase
• 4:38
  today
• 4:38
  if
• 4:39
  you
• 4:39
  want
• 4:39
  to
• 4:39
  apply
• 4:39
  for
• 4:40
  our
• 4:40
  credit
• 4:40
  card.
• 4:41
  And
• 4:41
  in
• 4:41
  my
• 4:41
  mind
• 4:41
  I
• 4:42
  thought,
• 4:42
  Hey,
• 4:42
  60
• 4:42
  bucks,
• 4:43
  it's
• 4:43
  great,
• 4:44
  but
• 4:44
  do
• 4:44
  I
• 4:45
  really
• 4:45
  need
• 4:45
  that
• 4:45
  struggle?
• 4:47
  So
• 4:47
  simplify
• 4:47
  your
• 4:48
  life.
• 4:48
  Fewer
• 4:48
  accounts
• 4:49
  are
• 4:49
  okay.
• 4:50
  Get
• 4:50
  some
• 4:51
  clear
• 4:51
  due
• 4:51
  dates
• 4:52
  and
• 4:52
  set
• 4:53
  up
• 4:53
  those
• 4:53
  automatic
• 4:53
  minimum
• 4:54
  payments
• 4:54
  if
• 4:54
  you
• 4:55
  can.
• 4:56
  It's
• 4:57
  so
• 4:57
  hard
• 4:57
  to
• 4:57
  try
• 4:57
  to
• 4:57
  manage
• 4:58
  complexity
• 4:59
  when
• 4:59
  you're
• 4:59
  trying
• 4:59
  to
• 4:59
  build
• 5:00
  stability.
• 5:01
  Here's
• 5:01
  a
• 5:02
  real
• 5:02
  practical
• 5:02
  thing
• 5:02
  you
• 5:02
  can
• 5:03
  do.
• 5:03
  Focus
• 5:04
  on
• 5:04
  one
• 5:04
  on
• 5:05
  time
• 5:05
  payment
• 5:05
  above
• 5:06
  everything
• 5:06
  else.
• 5:08
  If
• 5:08
  you
• 5:08
  do
• 5:09
  nothing
• 5:09
  else,
• 5:10
  this
• 5:10
  is
• 5:10
  the
• 5:10
  number
• 5:11
  one
• 5:11
  factor
• 5:12
  to
• 5:12
  improving
• 5:13
  your
• 5:13
  credit
• 5:13
  score.
• 5:14
  Pay
• 5:15
  on
• 5:15
  time
• 5:17
  every
• 5:17
  time.
• 5:19
  The
• 5:19
  number
• 5:19
  one
• 5:19
  thing
• 5:20
  that
• 5:20
  will
• 5:20
  destroy
• 5:20
  your
• 5:20
  credit
• 5:21
  is
• 5:21
  late
• 5:21
  payments.
• 5:23
  Payment
• 5:23
  history
• 5:24
  is
• 5:24
  the
• 5:24
  biggest
• 5:25
  driver
• 5:25
  of
• 5:26
  your
• 5:26
  credit
• 5:26
  score.
• 5:28
  One
• 5:28
  of
• 5:28
  the
• 5:28
  ways
• 5:28
  that
• 5:28
  you
• 5:28
  can
• 5:29
  prevent
• 5:29
  having
• 5:29
  late
• 5:30
  payments
• 5:30
  is
• 5:31
  use
• 5:31
  a
• 5:31
  reminder.
• 5:32
  We
• 5:32
  all
• 5:33
  carry
• 5:33
  these
• 5:33
  devices
• 5:34
  with
• 5:34
  us
• 5:34
  all
• 5:34
  the
• 5:34
  time
• 5:35
  and
• 5:35
  it's
• 5:35
  super
• 5:35
  simple
• 5:36
  to
• 5:36
  create
• 5:36
  reminders,
• 5:38
  automate
• 5:38
  that
• 5:39
  stuff.
• 5:39
  Hey,
• 5:39
  even
• 5:39
  if
• 5:40
  you're
• 5:40
  going
• 5:40
  to
• 5:40
  automate
• 5:40
  your
• 5:41
  credit
• 5:41
  card
• 5:41
  so
• 5:41
  it
• 5:42
  only
• 5:42
  makes
• 5:42
  the
• 5:42
  minimum
• 5:42
  payment,
• 5:43
  I
• 5:43
  don't
• 5:43
  think
• 5:44
  that's
• 5:44
  a
• 5:44
  great
• 5:44
  long
• 5:44
  term
• 5:44
  strategy
• 5:45
  to
• 5:45
  get
• 5:45
  out
• 5:45
  of
• 5:45
  debt.
• 5:46
  But
• 5:46
  hey,
• 5:46
  it'll
• 5:47
  definitely
• 5:47
  help
• 5:47
  your
• 5:47
  credit
• 5:48
  score.
• 5:49
  Protect
• 5:49
  that
• 5:49
  habit.
• 5:51
  Now
• 5:51
  here's
• 5:51
  a
• 5:51
  real
• 5:51
  practical
• 5:52
  thing
• 5:52
  you
• 5:52
  can
• 5:52
  do.
• 5:53
  I
• 5:53
  love
• 5:54
  to
• 5:54
  use
• 5:54
  with
• 5:55
  a
• 5:55
  purpose
• 5:55
  rule
• 5:55
  for
• 5:56
  credit
• 5:56
  cards
• 5:57
  because
• 5:57
  you've
• 5:57
  got
• 5:57
  to
• 5:57
  change
• 5:58
  this
• 5:58
  pattern.
• 5:59
  A
• 5:59
  lot
• 5:59
  of
• 6:00
  people
• 6:00
  say,
• 6:00
  a
• 6:00
  lot
• 6:00
  of
• 6:00
  gurus
• 6:01
  say,
• 6:01
  I
• 6:01
  don't
• 6:01
  even
• 6:02
  have
• 6:02
  credit
• 6:02
  cards.
• 6:02
  I
• 6:03
  disagree
• 6:03
  with
• 6:03
  that.
• 6:04
  I
• 6:04
  think
• 6:04
  there's
• 6:05
  a
• 6:05
  place
• 6:05
  for
• 6:05
  credit
• 6:06
  cards.
• 6:06
  So
• 6:06
  don't
• 6:07
  stop
• 6:07
  using
• 6:07
  credit
• 6:08
  Completely.
• 6:08
  You,
• 6:09
  you've
• 6:09
  just
• 6:09
  got
• 6:09
  to
• 6:09
  change
• 6:09
  your
• 6:10
  mindset
• 6:10
  on
• 6:10
  how
• 6:11
  you
• 6:11
  use
• 6:11
  it.
• 6:12
  Here's
• 6:12
  an
• 6:12
  easy
• 6:13
  way
• 6:13
  to
• 6:13
  do
• 6:13
  that.
• 6:13
  Before
• 6:13
  you
• 6:14
  use
• 6:14
  it
• 6:14
  every
• 6:15
  single
• 6:15
  time,
• 6:16
  ask
• 6:16
  yourself
• 6:16
  this,
• 6:18
  do
• 6:18
  I
• 6:18
  already
• 6:18
  have
• 6:18
  the
• 6:18
  money
• 6:19
  for
• 6:19
  this?
• 6:19
  Am
• 6:19
  I
• 6:19
  using
• 6:19
  the
• 6:20
  credit
• 6:20
  card
• 6:20
  just
• 6:20
  as
• 6:21
  a
• 6:21
  way
• 6:21
  to
• 6:21
  earn
• 6:21
  some
• 6:21
  points,
• 6:22
  to
• 6:22
  float
• 6:23
  some
• 6:23
  money?
• 6:24
  If
• 6:24
  the
• 6:24
  answer
• 6:25
  is
• 6:25
  no,
• 6:26
  don't
• 6:26
  swipe
• 6:26
  the
• 6:27
  credit
• 6:27
  card.
• 6:28
  You
• 6:28
  can't
• 6:28
  afford
• 6:28
  that
• 6:29
  purchase.
• 6:31
  When
• 6:32
  credit
• 6:32
  becomes
• 6:32
  a
• 6:32
  tool,
• 6:33
  that's
• 6:34
  when
• 6:34
  you
• 6:34
  can
• 6:34
  use
• 6:34
  it.
• 6:34
  It
• 6:35
  can't
• 6:35
  be
• 6:35
  this
• 6:35
  fallback
• 6:36
  position
• 6:36
  of,
• 6:36
  well,
• 6:36
  I
• 6:36
  don't
• 6:36
  have
• 6:37
  the
• 6:37
  money
• 6:37
  right
• 6:37
  now.
• 6:37
  Let
• 6:38
  me
• 6:38
  put
• 6:38
  it
• 6:38
  on
• 6:38
  a
• 6:38
  credit
• 6:38
  card.
• 6:39
  That's
• 6:39
  how
• 6:39
  you
• 6:39
  get
• 6:40
  yourself
• 6:40
  in
• 6:40
  trouble.
• 6:41
  But
• 6:41
  I
• 6:42
  want
• 6:42
  to
• 6:42
  go
• 6:42
  back
• 6:42
  to
• 6:42
  your
• 6:42
  question.
• 6:43
  One
• 6:44
  of
• 6:44
  the
• 6:44
  things
• 6:44
  I
• 6:44
  heard
• 6:44
  in
• 6:44
  your
• 6:45
  voice
• 6:45
  today
• 6:46
  is,
• 6:46
  I'm
• 6:47
  afraid
• 6:47
  I'm
• 6:47
  going
• 6:47
  to
• 6:47
  mess
• 6:48
  this
• 6:48
  up
• 6:48
  again.
• 6:49
  You
• 6:50
  got
• 6:50
  to
• 6:50
  replace
• 6:50
  that
• 6:51
  fear
• 6:51
  with
• 6:51
  a
• 6:51
  forward
• 6:52
  plan.
• 6:52
  And
• 6:53
  I
• 6:53
  think
• 6:53
  you're
• 6:53
  getting
• 6:53
  there.
• 6:54
  The
• 6:54
  fact
• 6:54
  that
• 6:54
  you
• 6:54
  reached
• 6:55
  out
• 6:55
  to
• 6:55
  us
• 6:56
  tells
• 6:56
  me
• 6:56
  that
• 6:56
  you're
• 6:57
  getting
• 6:57
  there.
• 6:58
  But
• 6:58
  that
• 6:59
  voice
• 6:59
  in
• 6:59
  your
• 6:59
  head.
• 6:59
  And
• 7:00
  listen,
• 7:00
  we've
• 7:00
  all
• 7:00
  had
• 7:00
  those
• 7:01
  voices.
• 7:01
  At
• 7:01
  times,
• 7:02
  that
• 7:03
  voice
• 7:03
  in
• 7:03
  your
• 7:03
  head
• 7:04
  loses
• 7:04
  power
• 7:04
  when
• 7:05
  you
• 7:05
  have
• 7:05
  a
• 7:05
  plan,
• 7:07
  even
• 7:07
  if
• 7:07
  it's
• 7:07
  just
• 7:07
  a
• 7:08
  simple
• 7:08
  plan.
• 7:09
  Because
• 7:09
  when
• 7:10
  you
• 7:10
  have
• 7:10
  that
• 7:10
  plan,
• 7:10
  you're
• 7:10
  not
• 7:11
  guessing
• 7:11
  anymore.
• 7:12
  You're
• 7:12
  making
• 7:12
  intentional
• 7:13
  decisions.
• 7:15
  And
• 7:15
  every
• 7:16
  time
• 7:16
  you
• 7:16
  follow
• 7:16
  through,
• 7:17
  you're
• 7:18
  proven
• 7:18
  to
• 7:18
  yourself,
• 7:20
  yeah,
• 7:21
  I
• 7:21
  can
• 7:21
  do
• 7:21
  this.
• 7:22
  I
• 7:22
  can
• 7:22
  make
• 7:23
  this
• 7:23
  work.
• 7:23
  I
• 7:23
  can
• 7:23
  have
• 7:24
  a
• 7:24
  credit
• 7:24
  card
• 7:24
  and
• 7:24
  not
• 7:24
  get
• 7:25
  myself
• 7:25
  in
• 7:25
  trouble.
• 7:27
  I've
• 7:27
  been
• 7:27
  there.
• 7:28
  I've
• 7:28
  gotten
• 7:28
  myself
• 7:28
  into
• 7:29
  credit
• 7:29
  card
• 7:29
  debt
• 7:30
  over
• 7:30
  my
• 7:30
  head.
• 7:32
  And
• 7:32
  it
• 7:32
  took
• 7:33
  a
• 7:33
  long
• 7:33
  time
• 7:33
  to
• 7:33
  rebuild
• 7:34
  that
• 7:34
  trust
• 7:34
  in
• 7:35
  myself.
• 7:36
  You're
• 7:37
  not
• 7:37
  starting
• 7:37
  over.
• 7:39
  You're
• 7:39
  just
• 7:39
  starting
• 7:40
  wiser.
• 7:41
  So
• 7:41
  here's
• 7:42
  your
• 7:42
  win
• 7:42
  for
• 7:42
  today,
• 7:43
  my
• 7:43
  big
• 7:43
  piece
• 7:43
  of
• 7:44
  encouragement.
• 7:44
  I
• 7:45
  want
• 7:45
  you
• 7:45
  to
• 7:45
  set
• 7:45
  up
• 7:45
  one
• 7:46
  account
• 7:46
  with
• 7:46
  an
• 7:46
  automatic
• 7:47
  on
• 7:47
  time
• 7:47
  payment.
• 7:48
  Just
• 7:48
  one.
• 7:48
  Test
• 7:48
  it
• 7:49
  out.
• 7:49
  See
• 7:49
  if
• 7:49
  you
• 7:49
  like
• 7:49
  this
• 7:49
  or
• 7:50
  not.
• 7:50
  Because
• 7:51
  as
• 7:51
  you
• 7:51
  want
• 7:51
  to
• 7:52
  change
• 7:52
  this
• 7:52
  habit,
• 7:52
  that
• 7:53
  one
• 7:53
  consistent
• 7:53
  habit
• 7:54
  can
• 7:54
  change
• 7:55
  your
• 7:55
  entire
• 7:56
  credit
• 7:57
  trajectory.
• 7:58
  Well,
• 7:59
  let's
• 7:59
  get
• 7:59
  into
• 7:59
  the
• 7:59
  Bible
• 8:00
  today.
• 8:00
  I
• 8:00
  found
• 8:01
  this
• 8:01
  verse
• 8:01
  in
• 8:01
  the
• 8:01
  book
• 8:01
  of
• 8:02
  Proverbs,
• 8:02
  chapter
• 8:02
  24,
• 8:03
  verse
• 8:04
  16.
• 8:05
  For
• 8:05
  though
• 8:06
  the
• 8:06
  righteous
• 8:06
  fall
• 8:07
  seven
• 8:07
  times,
• 8:08
  they
• 8:09
  rise
• 8:09
  again.
• 8:11
  That's
• 8:12
  what
• 8:12
  you're
• 8:12
  doing.
• 8:13
  Your
• 8:13
  past
• 8:14
  mistakes
• 8:14
  don't
• 8:15
  define
• 8:15
  who
• 8:16
  you
• 8:16
  are
• 8:16
  today.
• 8:18
  Hear
• 8:18
  me
• 8:18
  on
• 8:18
  that.
• 8:19
  We've
• 8:20
  all
• 8:20
  made
• 8:20
  mistakes
• 8:21
  in
• 8:21
  our
• 8:21
  life,
• 8:21
  things
• 8:21
  that
• 8:22
  we
• 8:22
  wish
• 8:22
  we
• 8:22
  had
• 8:22
  done
• 8:22
  over.
• 8:24
  But
• 8:24
  what
• 8:24
  matters
• 8:25
  today
• 8:25
  is
• 8:25
  your
• 8:25
  willingness
• 8:26
  to
• 8:26
  rise
• 8:26
  again
• 8:27
  and
• 8:27
  take
• 8:27
  a
• 8:27
  new
• 8:28
  step
• 8:28
  forward.
• 8:30
  And
• 8:30
  you're
• 8:30
  already
• 8:30
  doing
• 8:31
  that.
• 8:32
  And
• 8:32
  I
• 8:32
  have
• 8:32
  confidence
• 8:33
  that
• 8:33
  you
• 8:33
  can
• 8:33
  do
• 8:33
  that.
• 8:34
  How
• 8:35
  about
• 8:35
  we
• 8:35
  pray
• 8:35
  together?
• 8:36
  Heavenly
• 8:37
  Father,
• 8:38
  I
• 8:38
  lift
• 8:38
  up
• 8:39
  my
• 8:39
  friend
• 8:39
  right
• 8:39
  now
• 8:39
  who
• 8:40
  feels
• 8:40
  discouraged
• 8:41
  and
• 8:41
  unsure
• 8:41
  of
• 8:42
  themselves.
• 8:43
  And
• 8:44
  Lord,
• 8:44
  you
• 8:44
  see
• 8:44
  their
• 8:44
  heart,
• 8:45
  you
• 8:46
  see
• 8:46
  their
• 8:46
  desire
• 8:46
  to
• 8:47
  rebuild.
• 8:48
  You
• 8:48
  see
• 8:48
  the
• 8:48
  fear
• 8:49
  they're
• 8:49
  carrying,
• 8:50
  Lord,
• 8:51
  and
• 8:51
  I
• 8:51
  ask
• 8:51
  right
• 8:51
  now
• 8:52
  that
• 8:52
  you
• 8:52
  replace
• 8:52
  that
• 8:53
  fear
• 8:53
  with
• 8:53
  confidence.
• 8:55
  Not
• 8:55
  in
• 8:55
  themselves
• 8:56
  alone,
• 8:56
  Lord,
• 8:57
  but
• 8:57
  in
• 8:57
  you
• 8:57
  working
• 8:58
  through
• 8:58
  them,
• 9:00
  Lord,
• 9:00
  give
• 9:01
  them
• 9:01
  wisdom
• 9:01
  to
• 9:01
  make
• 9:02
  those
• 9:02
  steady
• 9:02
  decisions
• 9:03
  they
• 9:03
  need
• 9:03
  to
• 9:03
  make.
• 9:04
  Give
• 9:04
  them
• 9:05
  that
• 9:05
  discipline
• 9:05
  to
• 9:06
  follow
• 9:06
  through
• 9:07
  and
• 9:07
  give
• 9:08
  them
• 9:08
  peace
• 9:08
  in
• 9:08
  the
• 9:09
  whole
• 9:09
  process.
• 9:10
  Help
• 9:11
  them
• 9:11
  to
• 9:11
  realize
• 9:12
  the
• 9:12
  past
• 9:13
  and
• 9:13
  the
• 9:13
  step
• 9:13
  into
• 9:14
  something
• 9:14
  new,
• 9:15
  starting
• 9:15
  right
• 9:15
  now,
• 9:16
  today.
• 9:17
  And
• 9:18
  remind
• 9:18
  us
• 9:18
  all
• 9:19
  we're
• 9:19
  not
• 9:20
  defined
• 9:20
  by
• 9:20
  our
• 9:21
  mistakes,
• 9:22
  but
• 9:23
  by
• 9:23
  your
• 9:23
  grace
• 9:23
  in
• 9:24
  our
• 9:24
  lives.
• 9:25
  And
• 9:25
  I
• 9:25
  ask
• 9:26
  this
• 9:26
  in
• 9:26
  Jesus
• 9:26
  name.
• 9:28
  Amen,
• 9:30
  friend.
• 9:30
  You
• 9:30
  can
• 9:30
  trust
• 9:31
  yourself
• 9:31
  again.
• 9:32
  You
• 9:33
  can
• 9:34
  just
• 9:34
  take
• 9:35
  one
• 9:35
  faithful
• 9:35
  step
• 9:36
  at
• 9:36
  a
• 9:36
  time.
• 9:37
  And
• 9:38
  if
• 9:38
  you're
• 9:38
  serious
• 9:38
  about
• 9:39
  doing
• 9:39
  things
• 9:39
  differently
• 9:40
  this
• 9:40
  time,
• 9:41
  I
• 9:41
  want
• 9:41
  to
• 9:41
  hear
• 9:41
  from
• 9:42
  you.
• 9:42
  Just
• 9:42
  like
• 9:43
  today,
• 9:43
  we
• 9:43
  got
• 9:43
  this
• 9:43
  great
• 9:44
  voicemail
• 9:44
  message.
• 9:45
  We've
• 9:45
  created
• 9:45
  a
• 9:45
  way
• 9:46
  to
• 9:46
  give
• 9:46
  us
• 9:46
  a
• 9:46
  message.
• 9:47
  You
• 9:47
  can
• 9:47
  go
• 9:47
  to
• 9:48
  financiallyconfidentchristian.com/voicemail.
• 9:52
  It's
• 9:53
  super
• 9:53
  simple.
• 9:53
  You
• 9:53
  go
• 9:54
  right
• 9:54
  to
• 9:54
  that
• 9:54
  website.
• 9:54
  We'll
• 9:55
  put
• 9:55
  a
• 9:55
  link
• 9:55
  in
• 9:55
  the
• 9:55
  show
• 9:55
  notes,
• 9:56
  just
• 9:56
  click
• 9:56
  on
• 9:56
  it
• 9:57
  and
• 9:58
  let's
• 9:58
  walk
• 9:58
  through
• 9:58
  those
• 9:58
  next
• 9:59
  steps
• 9:59
  together
• 9:59
  in
• 10:00
  an
• 10:00
  upcoming
• 10:00
  episode.
• 10:01
  So
• 10:01
  again,
• 10:01
  that's
• 10:02
  financiallyconfidentchristian.com/voicemail
• 10:06
  well,
• 10:06
  thank
• 10:07
  you
• 10:07
  so
• 10:07
  much
• 10:07
  for
• 10:07
  your
• 10:07
  question.
• 10:08
  Thank
• 10:08
  you
• 10:08
  so
• 10:08
  much
• 10:08
  for
• 10:09
  those
• 10:09
  of
• 10:09
  you
• 10:09
  who
• 10:09
  have
• 10:10
  joined
• 10:10
  me
• 10:10
  today.
• 10:10
  I
• 10:11
  appreciate
• 10:11
  the
• 10:11
  confidence
• 10:12
  you
• 10:12
  place
• 10:12
  in
• 10:12
  me.
• 10:13
  Stay
• 10:13
  financially
• 10:14
  savvy.
• 10:14
  May
• 10:14
  God
• 10:15
  bless
• 10:15
  you
• 10:15
  and
• 10:16
  you
• 10:16
  have
• 10:16
  a
• 10:16
  truly
• 10:17
  great
• 10:17
  day
• 10:17
  today.