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Ralph: We've journeyed together for
30 incredible episodes in this series.

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We've built powerful financial habits.

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We've found contentment, and again,
we've anchored our confidence in Christ.

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But now you might be asking Ralph, what
do we do now that this series has ended?

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Well, I've got another series
coming along, but you might

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be asking a deeper question.

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Is financial peace a
destination you just reach?

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I talked about this a
little bit yesterday.

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Or is it really a lifelong journey
of growth and faithfulness?

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Well, I want you to stick with me
today 'cause we're gonna embrace

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the path forward and actually
handle some listener questions

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Hey there, and welcome back to your
Daily,   financially Confident Christian.

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I'm Ralph and it's great to be with you
again today as we close out this series

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that we've been working through, dealing
with the Stress of Money Worries, and

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this is the conclusion to that journey
that we've been walking together.

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And as always, this show helps you answer
that really brash and bold question.

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How can I become a financially
confident Christian?

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And over the past five weeks,
we covered so many vital topics.

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I can't even list them all.

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All along that path to financial
peace and to confidence.

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And today I just wanted to take a few
minutes and really recap those episodes.

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I want to answer some questions
that you've sent in, and I really

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appreciate you sending those in.

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And I also wanna end with a
sneak peek of what's coming next.

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So I'm gonna encourage you right
now, grab a warm drink or whatever

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you wanna do, get comfortable, and
let's dive into this weekly recap.

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week focused on sustaining progress,
and we truly talked about pivoting

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to that long-term financial piece.

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So at the beginning of the week we talked
about, I bought the house and now what?

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I think it was a great episode.

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We talked about budgeting
for ongoing costs.

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We talked about those property taxes,
insurance and maintenance, and we

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really talked about, well, what do
I do now that I've cut the keys?

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We talked about how to build a plan
for maintaining and preserving that

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most valuable asset that now you're
maybe on the hook for 30 years.

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Well, on Tuesday we pivoted to how can
spending rules give me more freedom.

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Yes.

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Spending rules and get me freedom.

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You're probably like, Ralph, wait.

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If you missed it, I'm gonna
encourage you to go check it out.

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That was episode 1 75 and we've
really talked about creating personal

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boundaries for spending and how those
personal rules and boundaries actually

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led to long-term financial freedom.

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Now, by the middle of the week,
we had pivoted again to  con

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generosity, reduce my stress.

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Yeah.

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I talked about the contradiction, if you
will, of so, so many people don't get it.

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How faith-based giving is really
a tool for peace and trust.

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We really got into the, into the weeds
there and talked about how that, that

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sense of scarcity can really be, can
be challenged with being generous.

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Then we moved on to the next
episode, which was how do I

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make financial habits stick?

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We talked about building routines
and embracing imperfection.

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Hey, we gotta embrace that
imperfection 'cause guess what?

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We are all imperfect.

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We talked about how to use
accountability and then we the week

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with how do I keep financial peace?

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A really powerful, powerful episode
because we talked about peace

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being a journey rooted in God's
provision and faithful stewardship.

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And see these episodes really spark
some fantastic questions and I wanted

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to get into those today and just take
a couple minutes to sort of debrief

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and answer some of the most beautiful
questions that you folks sent in.

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So the first one was, this
one came to us from Chris.

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Chris, he was talking about that first
episode, episode 1 74, and he said, Ralph,

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how much should I save for home repairs?

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And I thought that was a really
good question 'cause a lot of people

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don't have any concept of that.

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I got this new house, but I
don't really know what to do

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with this, Ralph, what do I do?

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Well, here's the thing I
mentioned in the episode, and

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I'm gonna reinforce that today.

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General guideline is, say
between one to 2% of your home's

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value annually for repairs.

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So as I talked about in this show, if
you've got a $200,000 home budget, 2000

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to $4,000 a year for repairs, and you're
thinking, Ralph, that means $400 a month.

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Yes.

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You gotta preserve that asset.

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So start with what you have
and then build that over time.

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I really thought that was a great
question, Chris, because so many people,

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they buy the house, they get the keys,
they unpack the boxes, and then all

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of a sudden stuff starts to happen,
the roof starts to leak, or maybe

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the seals around the bathtub go bad.

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These are all things that you've
gotta plan for because if you

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don't plan, you will fail.

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But if you've gotta plan and those
emergencies happen, listen, I've been a

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homeowner for many years, stuff happens.

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So start with which you can,
but build that over time.

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And look at the book of Proverbs
chapter 24, verses three and four.

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It reminds us of the
wisdom and preparation.

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So if you haven't read that verse,
I'm encourage you to go do that again.

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That's Proverbs chapter
24 verses three and four.

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Well, our next question came from
Maria and she was talking about

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episode 1 75 and she asked this
very, very pointed question.

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She said that.

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She says, I break my spending rules
when stressed and I feel guilty.

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Yeah, Maria, guess what?

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That's very normal.

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You're probably listening
to this right now.

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You're going rap.

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Yep.

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I do that all the time.

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It's normal.

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And if you hear nothing else I
talk about on the show, know that

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you're going to be imperfect.

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You're going to make mistakes.

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You're going to trip and fall,
but the key is to getting back up.

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Look at the book of Galatians
chapter six, verse nine.

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It talks all about don't giving up.

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I'm gonna encourage you to go
back and read that and practice

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Grace Maria, practice Grace.

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But as you're, as you're getting
past that breaking of that spend

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rule, here's one of the things that
I think you really need to focus on.

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It's real easy to say, well, you
know, I'm gonna forgive myself.

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Eh, things happen.

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One of the big pieces of learning
and, and the piece of moving forward

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is to review why it happened.

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Why did this happen?

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What, what did I do?

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What was the mistake I made?

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Was my budget wrong?

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Did I, did I make some kind of fatal
error in, in the creation of this schedule

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or this plan of how I'm doing things?

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Then you gotta restart with intention.

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So don't wait until the next week.

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Don't wait till the next paycheck.

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But right away, as soon as
you realize you've made an

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error, you've made a mistake.

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you feel that stress, you feel guilty.

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That actually is a good thing.

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That feeling of stress and that
feeling of guilty means that you have a

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conscience and you know something is off.

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So restart again with intention.

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This is another place where I encourage
you to go to that accountability

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partner we talked about in episode 1
46 and really ask them for assistance

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on, Hey, I'm struggling right now.

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Can we have coffee?

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Can we get together and just
talk about what's going on?

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So Maria, thank you so
much for that question.

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Well, our third question comes to us
from James, and he says this, he says,

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Can I give if my finances are tight?

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Yes you can.

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And I talked about that in episode 1 76.

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So if you miss it, I'm gonna
encourage you to go check it out.

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You absolutely can.

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In fact, as I talked about in that show,
the very act of giving in my personal

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view, and I think in a religious Christian
view, is that that little bit will

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actually break that feeling of scarcity.

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And from a real perspective,
from a practical perspective,

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you gotta start small.

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Have that intention.

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Be cheerful about it.

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Look at the widows might
talks about that in the Bible.

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It's not the amount.

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See, so many people get hung
up on, well, Ralph, you know,

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you said I gotta give 10%.

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That's what the Bible said.

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First of all, Ralph didn't say that.

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That's what the Bible says to tie this.

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But listen, maybe you can't start there.

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It   all comes down to your heart.

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See, it's the heart that counts.

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It's not how much.

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It's the heart that counts.

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And see generosity, as I talked
about in that show, is about worship.

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It's not the amount that you give.

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Being generous is about worship.

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It's not about, oh, I
give 10%, I give this.

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That's not what it's about.

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And the challenge I mentioned,
I'm gonna reinforce that today.

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'cause really the challenge is
to give what stretch your faith.

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Without neglecting your needs.

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Listen, I'm not telling you not
to eat, not to feed your kids, not

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to pay your bills so that you can,
that you can be generous and give.

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I'm not saying that if you're
hearing that you're not hearing me

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correctly, give what stretches your
faith without neglecting your needs.

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So to answer your question, James.

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Can I give if my finances are tight?

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Yes.

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Look at your budget.

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Find some margin in there.

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maybe you're gonna plan a date night
with your wife to go out to the movie.

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Well, maybe you do a date night at home
and you take that money and you donate

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or use that for a church donation.

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You can find something in your budget.

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Well, let's look at our fourth question.

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This one came to David.

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David wrote this, and this is
in reference to episode 1 77.

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He says, How do I make these
financial habits stick?

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Big takeaway, David and I said this
in the episode, is schedule them.

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See when we treat things like
appointments, when we put them on the

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schedule, we're more likely to do them.

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So schedule them.

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And then the other thing I mentioned
in that show was embrace imperfection.

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You've probably heard that
10 times already today.

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'cause guess what?

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We are all imperfect.

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So embrace that perfection, use that
accountability, and go back to that book

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of Galatians, chapter six, verse nine.

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The big takeaway from that verse,
and I'm gonna encourage you, maybe

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you post this on your phone or
put it up near your computer, but

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don't become weary in doing good.

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So I just wanna thank you
again for that question, David.

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What a great one.

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How do I make these
financial habits stick?

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Schedule them, treat them like
appointments, embrace imperfection,

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use accountability, and don't
become weary in doing good.

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It's about that journey.

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We got another great question
from Michael, and this was

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in reference to episode 1 78.

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Michael said, How do I
maintain peace long term?

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Well, Michael, guess what?

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That was the goal of that show.

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The goal of my daily show every
day is how do we become, you know,

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financially confident Christians?

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What that means is how do we
become peace filled Christians?

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And I mentioned this in the show, I'm
gonna encourage you to do this, right?

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Continue your core habits, those
things we talked about all along

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this series and all in this show.

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Maybe for you, it's building
that emergency fund.

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Maybe that's something you
really feel convicted about.

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You know, I, I really feel
like I gotta do that, Ralph.

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So make that your long-term peace goal.

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'cause if you think about it, that
emergency fund can be a savior in times

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when something we talked about, you know,
the previous week about buying that house.

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We talked this past week, the beginning,
about when things happen in your house.

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Well, if you've got that emergency
fund to go to, it's gonna take

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away that stress and it's really
gonna give you peace guard.

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Well, you know what?

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I really don't wanna have to
replace my roof, but guess what?

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I've got the money to do it.

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And as always, stay prayerful.

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I end every show with a prayer
because I know the power of prayer.

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I know the power of anchoring your
peace in God and not in circumstances.

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And I just wanna encourage you with this.

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Remember John chapter 14, verse 27,
and go back and read that today in

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Philippians chapter four, verse seven.

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'cause what does it promise there?

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It promises peace from him.

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Transcends all.

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So thank you so much for your questions.

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If you've got questions for the
show, you can go to financially

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confident christian.com and just
click there and send us the question.

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Well, let's pray together.

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Father God, we just thank you for guiding
us over this past 30 episodes, and we

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just thank you for your wisdom, Lord,
and your grace and your faithfulness,

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things that we really don't deserve.

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Lord, now I just ask you to bless
every listener, including Chris and

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Maria and James, David and Michael.

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I just want you to really strengthen
them, Lord, and strengthen us as we

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go and try to win over these habits.

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And just grant us peace, Lord, grant us
trust and grant us enduring stewardship.

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May our finances be used for your
glory, and we ask this in confidence.

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In Jesus' name, Amen.

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I just wanna tell you, congratulations
on completing this part of your journey.

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You've taken meaningful steps
and you are taking meaningful

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steps towards financial peace.

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But this is just the beginning.

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As I talked about on yesterday's show.

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This is the time to just start.

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This is the time to keep growing, keep
applying, and keep trusting in the Lord.

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And I'm gonna encourage you right now,
share this series if it bless you.

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There are many people out
there hurting right now.

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They're feeling that shame of,
of being stuck in that financial

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cycle of just guilt and shame.

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This series and this show can
really be impactful to them.

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So I just encourage you to share
this show with them, share this

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episode specifically with them.

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Maybe it'll be something that
will really impact their life.

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And you can find all of our episodes in
resources@financiallyconfidentchristian.com.

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And I'm gonna encourage you one
more time to go and get my book.

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It's called Mastering Your Finances.

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It's free by going to financially
confident christian.com/master.

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You can get the book for free there.

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When I promised you I'd talk about
what's next, you know we're gonna

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start a new series tomorrow, and
that series is gonna be called this.

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It's gonna be called Beyond the Budget.

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We're Moving Beyond the Budget.

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We're gonna Find Financial Freedom
through what I'll call Intentional Living.

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So beyond the budget, finding financial
freedom through intentional living.

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We're gonna dive into purpose-driven
money management and talk about

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aligning your finances with
your values and your calling.

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So we're gonna start that tomorrow.

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I'm gonna encourage you, don't miss it.

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If you know somebody else that'd like
to get in at the ground level, tell

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them, Hey, Ralph's starting a new
series tomorrow, so don't miss it.

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And let's go out there today
and be financially confident.

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Christians, you can do this.

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I believe in you.

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Believe in yourself.

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Stay financially savvy.

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God bless you, and you
have a great day today.