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October 14, 2025 12 mins

Ever find yourself saying, "I know what I should do, but why can't I just do it?" Yeah, me too! It’s a struggle we all face, especially when it comes to money. In today’s chat, we dive into why following through on our financial goals can feel like climbing a mountain in flip-flops. Behavior vs. Knowledge: Why Your Habits Matter More Than Information? Spoiler alert: it’s all about building those solid routines and making things automatic. We’ll share some real talk about how consistent actions—no matter how small—can lead to big change, and trust me, it’s easier than it sounds. So grab a snack, kick back, and let's get into the nitty-gritty of turning knowledge into action!

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Ever find yourself in that headspace where you know what you should be doing with your money, but somehow, it just doesn’t happen? Yeah, me too! Ralph dives into this relatable struggle, addressing the big question: why is it so tough to follow through on our financial goals? He shares stories from his 30 years of experience, highlighting real-life examples where education doesn’t always translate to action. You’ll hear about savvy folks who understand investing perfectly but still don’t set up those automatic savings. Then, contrast that with those who may not know much about finances but nail it with consistent habits. It’s all about heart and diligence, my friends! Ralph emphasizes that wealth-building comes from making things automatic and creating solid systems to support your goals. He drops some wisdom from James Clear’s book, *Atomic Habits*, reminding us that our systems are the key to success. So, are you ready to move from just knowing what to do, to actually doing it? Let’s get into the nitty-gritty of building that consistency and making it stick!

Takeaways:

  • Sometimes we know what we should do with our money but struggle to actually do it.
  • Building a consistent system for saving money can lead to long-term financial success.
  • It's not just about knowledge—action and consistency are key to financial wellness.
  • Making saving automatic can help you build wealth without overthinking it or stressing out.

Links referenced in this episode:


Companies mentioned in this episode:

  • James Clear
  • Atomic Habits

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Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Do you ever say to yourself, Iknow what I should do, Ralph, but
I just don't seem to be ableto do it. I don't know about you,
but I feel that way sometimes.And I got this listener question.
I thought, this just nails it,Ralph. I know what I should do with
my money, but I don't actuallydo it. Why is it so hard to follow
through? Well, here's what Iwant to say. Welcome to the party,
my friend. Because, yes, metoo. It's a struggle, isn't it? Sometimes

(00:23):
it's so hard to reallyunderstand why we don't do the things
we do. So that's exactly whatI'm going to cover on today's show.
This is Financially ConfidentChristian, your daily dose of gospel,
grounded insight and faithdriven tips to help you break the
cycle of financial shame withconfidence. Hello there. Welcome

(00:43):
to the show. My name is Ralph.I just want to thank you so much
for joining me today on theshow. I appreciate your time as we
continue on this journey. Aswe talk about things. 30 Ways to
or 30 Days to Improve yourinvestment life. And you might be
saying, okay, who's this guy,Ralph? Well, the truth is it's important
that I talk to you todaybecause I've worked with people for
over 30 years in this area.I've seen situations that people

(01:07):
understand investing. It couldexplain it to me perfectly. But those
same people are the peoplethat don't always contribute to their
401k. They don't always do thethings that they know they should
do. And unfortunately, there'sa true disconnect there. Then I've
worked with other people. Letme just be honest with you. I've
had other people that I'veworked with that weren't sophisticated
at all. They had no idea aboutinvestment knowledge. But you know

(01:28):
what they did? They wereconsistent, they were diligent, they
saved a little with each andevery paycheck. Truth is, they made
it automatic. And I've talkedabout that on the show so many times.
When you make it automatic,that's when you can actually build
wealth. And I'll tell you,when I was a kid, I used to play
football. Football was mypassion. And I had a coach one time
say to me, because I wasn't agreat football player, I didn't have

(01:49):
that talent that so manyprofessional and college football
players said. But he said tome, Ralph, he said, you know what
he said? 90% of this is heart.Do you have a heart for it? Do you
have that desire? Do you havethat diligence do you have that eagerness
even more than talent? Andthat's really what we're talking
about today. Do you have aheart for investing? Because so many

(02:11):
of us know what we should do.It's kind of like a diet. For many
years, I was a big overweightguy. Listen, I'm still a little overweight.
I knew what I should be doing.I didn't need somebody to tell me,
Ralph, you need to eat less,you need to exercise more, you need
to choose to eat these betterthings. And I remember When I hit
430 pounds, my health was outof control. And even at that point,

(02:32):
I knew what I should do. Butit took that dedication, it took
that daily diligence to say,okay, here's what I should do. Now
how do I make that happen?I'll tell you a story. I had a client,
well educated guy. I mean,this guy had gone to school for business
management. He knew all thefinancial rules. Honestly, he probably
knew him better than I did.But this guy never set up those automatic
savings rules. He never putthe effort in. He never made that

(02:55):
diligence. He never made itautomatic. Then I had another client.
This guy was just a hardworking, what they call blue collar
guy. Just worked hard everyday, worked with his hands, got in
there and got dirty. But thething he did is he saved a little
bit with each and everypaycheck. So let me ask you this
question. At the end, who doyou think ended up with more? You'll

(03:16):
be amazed at the results. Theperson who made it diligent. Not
the person who had all theeducation, not the person who understood
all the financial derivativesand all the financial markets. It
was the person that wasdiligent. It was the person that,
day in and day out, they madeit a purpose to do that. And I heard
this quote from James Clear.Now, James Clear wrote this book
called Atomic Habits, a greatbook. If you have a chance to read

(03:38):
it, I would highly encourageit. And what he says is just so important
for what we're talking abouttoday. And this is what James said.
He said, you do not rise tothe level of your goals, you fall
to the level of your systems.And he's getting at it right there
because he's basically sayingwhat we're talking about today. You
might have these goals, theseintentions, these pie in the sky

(03:58):
ideas. You're going to do thisand you're going to do that. But
if you don't have the systemto do it, you're not going to do
it. See that system, it's allabout building that consistency.
So now you're saying, Ralph,okay, great, I get it, Ralph. I know
what I need to do and I'm notdoing it. So how do we build that
system of consistency? Well,I've got a solution for you today.

(04:19):
It all starts with movingbeyond your head and into your hands.
See, it's easy to know a wholelot. I've met some of the most well
educated people, knew all theideas about finances in the world.
But that knowing, just havingunderstanding doesn't move money.
It doesn't do anything. Youcan have the greatest knowledge in
the world, but if you don'tput it into practice. See, I say

(04:41):
this on the show all the time.Intentions are great, but it's all
about action. See, action iswhere it comes at. So move out of
your head and move into yourhands. Think of a marriage. I've
been married for 25 years.Just celebrated my 25th anniversary
a few weeks ago. Now, one ofthe things when we first got together,
my wife said to me, Ralph, Iwould love it if you would take out
the trash. Now I could say,you know what, I'm going to take

(05:03):
out the trash one time and Iget the bonus points. I took out
the trash one time. But that'snot the answer. The answer is you
love your wife. And husbandslisten to me right now, Christ says,
love your wife as Jesus. Thinkof a marriage like this. The Bible
says this. Love your wife asChrist loves the church. If I just
took out the trash one time,that wouldn't be of any value, right?

(05:26):
Well, if you're doing yourinvestments the same way, if you
just throw that money in thatinvestment one time, it's not going
to matter. It's when you do itconsistently, it's building those
consistent habits. And that'sthe thing I want to talk about today.
The next step to this isbuilding that consistency. And again,
these don't have to beelaborate things, just simple habits.
Automating thosecontributions, building that routine,

(05:50):
maybe even think about it,like set it and forget it. Go to
your HR person and say,listen, I know we've got this 401k,
I know we've got thisretirement plan. Let's do this. And
let me just tell you rightnow, that action, that taking that
intentional action is betterthan any once in a while thing to
do. And it's all about thosesystems. Clear mentioned this earlier.

(06:10):
Make the right choice and makeit automatic because small changes
stick. It's all about yoursystems. Think about this. Small
steps, just $25 a month willadd up to something so much greater
than just one time. $500,someday or never. I don't know how
many times I've worked withpeople. They say, Ralph, someday
I'm going to put money awayfor retirement. Someday I'm going

(06:30):
to pay off my debt. SomedayI'm going to pay down those credit
cards. Someday I'm going tobuild that emergency fund. Your someday
is today and tomorrow and thenext day. It's all about building
that consistency. Don't waituntil you know you have enough. So
many people will say to me,Ralph, you know, when I make a little
bit extra money, I'll do this.When I set aside a little bit more,
when I get that big raise, youknow, enough right now. Act on what

(06:54):
you know right now. Becausetruth is, you can do this. You can
make these impactful things.My grandfather used to say this all
the time, and he was a goodold Southern fellow. Actually, him
and I were very close. Heactually was the one that brought
me to salvation at age 13. Andhe said this one time, and he is
so right about this. He said,if you aspire to greatness, if you

(07:15):
envision that greatness, whatthat looks like in your life, and
you start to live in thatgreatness, that does become your
reality. And I think we allcan learn from that. And let's get
right to the Bible. You alwayswant to tie scripture into this.
And I love this verse from theBook of James, chapter one, verse
22. And this might step onyour toes a little bit. It stepped
on mine when I was preparingfor the show today. It says, do not

(07:39):
merely listen to the Word andso deceive yourselves. Do what it
says. And we can all take alisten and say, wait a minute. Hey,
you know what? We can listento the Word. A lot of us sit in church
or we read our Bibles and welisten to it, we hear it, but are
we doing what it says? Andthat's one of the reasons I tie these

(08:00):
two pieces together. A lot ofpeople say, Ralph, you're crazy.
Faith and finances should notbe mixed together. But the Bible
talks about finances from theback of the front to the book. And
I love what Proverbs 13:4says. Again, I'm going to step on
some toes. I'm going to use aterm here called sluggard. My minister
at church had talked aboutsluggers one time. Everybody said,
oh, Bill, you can't say thatin church. But what does Proverbs

(08:23):
13:4 says? It says, aslugger's appetite is never filled,
but the desires of thediligent are fully satisfied. See,
the moral of the story here isGod rewards diligence. God rewards
consistency. God rewards thatdaily action of faith. So don't be

(08:43):
a slugger today. You know whatyou should do? Go do it. How about
we pray together right now?Lord, we just come to you right now.
We thank you for a heart,Lord, and we thank you for faith
that surpasses allunderstanding. And Lord, we just
ask you right now tostrengthen us as we act out in this
faith. Help us to do thethings that we already know, Lord,
and the discipline to buildthose lasting habits that will be

(09:05):
so fruitful for generations tocome. Lord, help us to have faith
and trust in you, Lord, aboveall things. Help us to be steady
in our steps, not get suckedinto those big dreams and those pie
in the sky ideas that we neverbring to full tuition. Lord, we ask
this in confidence in the nameof Jesus. Amen. So here's your one

(09:27):
action step for today. Justone habit. I want you to pick one
habit today and automate thosethings. Maybe it's automated savings.
Maybe you've never really setaside that amount with each paycheck.
Just decide, today I'm goingto do something. Maybe it's time
to track that spending. You'rethinking to yourself, Ralph, I get
to the end of the month, Idon't know where my money is. Well,
here's an opportunity to beconsistent. Track that spending every

(09:49):
day. Maybe you've got thatmountain of debt. You're looking
at this debt in front of youand this mountain of debt you're.
Ralph, how am I ever going toget past this? Well, just this month,
maybe take that extra $25 andpay that debt. Pay it towards that
debt. Build that system, buildthat consistency and work on that
diligence. The truth is,knowledge is important. I can't undersell

(10:10):
that. Those people whounderstand investments are valuable
people. That's valuableinformation. That's great. Go get
that information. But as myfootball coach said, behavior changes
your future. So build thosesystems, build those habits, beat
those goals and intentions arethe most important thing. So start
small, be consistent. Becausethe truth is, and I want you to hear

(10:32):
this loud and clear today, Godis going to bless that diligence.
And one of the ways that I canhelp you in that diligence. I just
finished writing my third bookand this was a passion project for
me. It's simply called how toBecome a Financially Confident Christian.
You can get that for free,absolutely free. Just go to financiallyconfidentchristian.com/becoming
this is 30 years of me workingwith clients just like you. Stories

(10:56):
of struggles and triumphs andcrying on each other's shoulders
and really helping each otherwhen we hit rock bottom. And so many
of us have been there. But inthat book, I help you build those
systems that will show you howto finally break that cycle of financial
shame and live in confidence.Why don't you get that today? It's
yours absolutely free. Just goto financiallyconfidentchristian.com/becoming

(11:17):
and listen, here's a littlesecret. Share that link with as many
people as you can because Ilove to give away free books. Now
tomorrow we're going to changethe topic a little bit. We're going
to talk about how not to freakout during those market cycles. We're
going to talk about how todeal with panic, how to deal with
fear, and how to not live inthat reality anymore. Because truth
is, I'm going to give you alittle spoiler alert tomorrow. You
don't have to live like thattoday. I have confidence in you.

(11:40):
I want you to have confidencein yourself because God believes
in you. Stay financially savvyout there. Live out that belief in
being a financially confidentChristian. God bless you and you
have a great day today.
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