June 19, 2025 • 14 mins
Is homeownership always the right next step—or just a cultural expectation? In this episode, Ralph walks through the spiritual and financial layers of one of life’s biggest decisions: whether to buy a home. From the weight of mortgage debt to the hidden costs no one talks about, you’ll gain clarity on what readiness truly looks like. If you’ve been feeling pressure but aren’t sure you’re financially prepared, this episode will help you figure out if you’re buying a home is right for you.
Check out the full podcast episode here
Ralph unpacks Scripture, shares practical steps to assess your budget and savings, and emphasizes that stewardship—not status—is what matters most. You’ll walk away with tools to calculate a realistic payment, build in a margin, and pray through your next steps. Whether homeownership is in your near future or further off, this episode equips you to make a peaceful, God-honoring decision.
Chapters:
- 00:15 - Understanding Homeownership: Weighing the Pros and Cons
- 01:11 - The Decision to Buy a Home: Weighing Your Financial Commitment
- 07:00 - Navigating Homeownership Decisions
- 07:40 - Assessing Financial Readiness for Home Buying
- 12:05 - Financial Decisions and Home Buying Guidance
Takeaways:
- Owning a home is a big dream for many, but it comes with financial responsibilities.
- Buying a house can be a major financial stress if you're not prepared for it.
- You gotta think about all the costs of homeownership, not just the mortgage payment.
- It's crucial to realistically assess your budget and savings before diving into buying a home.
- Praying for guidance is key when deciding if homeownership aligns with your financial goals.
- Homeownership isn't for everyone; it's important to weigh your options and plan wisely.
Links referenced:
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WATCH NOW ON RUMBLE (OUR VIDEO VERSION)
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To schedule a consultation with Ralph's team, contact him at 302-659-6560 or go to
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
The idea of owning your own home, havinga place to call yours, maybe building
some equity, it's a powerful dream formany people, but the financial weight of a
mortgage, the down payments and all thoseclosing costs can feel truly overwhelming.
Let's answer this question today.
Is home ownershipautomatically the right move?
(00:21):
And how do you know if you cantruly afford it without getting
yourself into massive stress?
So stick with me today.
I'm gonna break this down on today's show.
(00:43):
Hey there.
Welcome back to your Daily,financially Confident Christian.
I'm Ralph and it's alwaysgreat to be with you again.
This is the show that helps you answerthat question, how can I become a
financially confident Christian?
And we're continuing ourseries today dealing with those
stresses of money worries.
And for a lot of people, the ideaof owning a home is a lot of stress.
(01:04):
Now, yesterday we talked aboutthe issue of lifestyle creep and
how to keep that increased incomefrom silently slipping away.
Well, today we're gonna be talking aboutone of the most significant financial
decisions that a lot of people make.
That's deciding whetheror not to buy a home.
Now, for a lot ofpeople, it's a milestone.
It's a a way to, to saythat, Hey, we've made it.
(01:26):
But you have to also understandthe financial commitment behind
this, and that can be a huge sourceof stress for a lot of people.
So we gotta be, honestly askingourself today is buying a home, always
the right financial move for me.
Once we decide on that, we gotta askourselves, how do I approach this
decision with wisdom and with peace?
(01:47):
And let's dispel factsfrom fictions today.
Maybe the desire to owna home is strong for you.
You have this vision in your ownmind of having your own space and
putting down your own roots and notpaying rent anymore, but actually
building equity for yourself.
and all those things sound great,
It's what you've always been told.
That's the American dream.
Own your home.
(02:07):
But then you start thinking aboutthe actual steps to get there.
You start thinking through thathuge down payment, maybe 10
or 20% of the purchase price.
And then you're thinking, well,I gotta get an application.
And Ralph, everyone tells me themortgage application process is insanity.
Then once you get through that,then you heard all these stories
about closing costs, and then you'rethinking about, everybody says that
(02:30):
houses are just a money pit and you'reworried about the ongoing expenses of
maintenance, and then there's propertytaxes, and all of this leads to you
to a place of feeling overwhelmedand feeling completely stressed.
Maybe you're one of those people whofeels this pressure from society.
Well, you gotta own a home.
You gotta do the American dream.
(02:50):
You gotta have a house.
Or maybe your family'sputting pressure on you.
Hey, when are you twogonna ever buy a home?
Or, Hey, you ever gonnaown a home of your own?
And you're asking yourself, am Ieven ready financially to do this?
You've got fear.
You've got fear of takingon such a massive debt.
Listen, for most people, a mortgage isthe biggest debt that they will ever
(03:12):
have, and larger than that, there'sthis uncertainty in your mind about
whether you can comfortably afford this.
And I use the word comfortablybecause I think it's so important
that I stress that today.
You gotta look at, are you goingto be comfortable with this?
You gotta look at the totalcost of home ownership.
It's easy to get focusedon that mortgage payment.
(03:34):
Well, my mortgage payment's gonnabe this much, but think about the
other things that go along with that.
And all of those things, they mightjust get all together and they cause
you this huge source of stress.
And then you're back to wondering again.
You're not sure if it's trulythe right financial step for you
or even if you can afford it.
And that just leads to difficulty.
(03:56):
But here's the thing,you gotta understand.
I truly believe that home ownershipcan be a good financial goal.
It's a great form of stability, but here'ssomething I'm gonna tell you, and a lot
of people won't agree with me on this.
It's not automatically the rightmove for everyone at every time.
It's just not.
It's not the automatic, well,everybody should own a home and
(04:18):
this is the right time to do it.
Owning a home is a significantstewardship decision.
With any difficult stewardship decision,we have to put in careful planning and
we gotta put in prayerful discernment,not just follow societal expectations.
and see, to be honest with you, this isone of the biggest problems that I see.
(04:40):
Everybody just assumes,well, you gotta own a home.
Don't plan it.
It'll just work it out.
Gotta work it out.
Well, let's take a look at the Bibleand, and let's see what it says about
wise planning and seeking counsel.
Because you got to make decisionsthat align with your resources
and with God's guidance.
So let's look at Luke chapter 14,and this is from verses 28 and 30.
It talks about counting thecost before building a tower.
(05:02):
And this is perfect forour discussion today.
Suppose one of you wants to build atower, won't you first sit down and
estimate the cost to see if you haveenough money to complete it for?
If you lay the foundation and arenot able to finish it, everyone
who sees it will ridicule you.
What a beautiful verse thatreally addresses exactly
(05:22):
what we're talking about.
If you lay the foundation andyou're not able to finish it,
everyone's gonna ridicule you.
But what does it start with?
It starts with you.
Sit down and estimate thecost and then see if you have
enough money to complete it.
See, building a home is alot like building that tower.
(05:43):
It requires that carefulestimation of the full cost.
Bigger than that, you've gotta havean honest assessment of whether
you have the resources and thestability to not only complete that
purchase, but then maintain it.
So let's look back at the Bible again.
Look at it.
Chapter 24, verse 27 of Proverbs.
(06:03):
finish your outdoor workand get your fields ready.
After that, build your house.
Let's think about that again.
Finish your outdoor workand get your fields ready.
After that, build your house.
See, this implies havingyour financial fields ready.
(06:23):
And you might be saying, Rob, whatin the world are you talking about?
What does that look like?
Well, I'm thinking That's savings.
Do you have savings?
Are you prepared for this?
Are your debts under control?
Because you gotta be ready beforetaking on some large expense of
building or or buying a home.
And like I said a few minutesago, approaching home ownership
(06:45):
as a major stewardshipdecision, seeking God's wisdom.
That, and honestly counting thecost, making sure that it's a
step towards stability and peaceand not some overwhelming burden.
So now you're probablyasking Ralph, what can we do?
How do we navigate this complexdecision of buying a home with wisdom?
(07:07):
And without getting into thatpoint of stress, and I've got a
solution today, I think you needto prayerfully and realistically
assess your financial readiness.
Then determine if you're truly comfortableand you can afford it based on your
budget, based on your savings goals.
Before you even think about looking fora home, talking to a lender or any of
(07:28):
that, that means doing your homework firstto determine what you can truly afford.
And I'm gonna add this wordto the end of that, what you
can truly afford comfortably.
Okay.
Well, here's your one vitalaction step for today.
Specifically laser focusedon realistically assessing
your home buying readiness.
I want you to start with your budget.
(07:49):
Look at your budget.
And then I want you to honestly assesshow much you realistically have saved.
Because if you're gonna have tobuy a house, you're gonna need
money, most likely for a downpayment and for closing costs.
So start there.
Do you have a budget that will supportthis and have you saved enough to handle
the down payment and closing costs?
But then I want you to go a step further.
(08:11):
Ask yourself, do you have a solidemergency fund in place separate
from what you've saved for thedown payment and closing costs?
Do you have an emergency fund in place?
Because guess what?
As a homeowner, it's gonnabe even more important.
Once you do that andyou're like, okay, good.
Yes, I've got the money saved up.
There's room in my budget.
I've got that emergency fund.
The next thing you do is startto estimate what your comfortable
(08:34):
monthly payment could be.
Think about your budget.
What is realistic?
What is comfortable, what you can affordin a total monthly housing payment?
Now this is gonna include your mortgage.
It's gonna include both the principaland the interest, your property
taxes, your homeowner's insurance.
Maybe if you're not putting more than 20%down, you're gonna have to do something
called private mortgage insurance.
I don't have time to coverthat today and maybe fees.
(08:57):
Now listen, a common guideline is to keepbetween 25 and 30% of your monthly take
home to not be any more than your payment.
So, in other words, if you make athousand dollars a month, which,
which a lot of people are not makinga thousand dollars, gonna buy a house.
But let's just say you made a thousanddollars a month, you wouldn't wanna
have a mortgage payment more than $250a month and see, that might not be what
(09:19):
your actual budget says, but this iswhat you truly feel comfortable with
without sacrificing your other financialgoals, like saving and, debt payoff.
You can find this by going right online.
There's a ton of online mortgageaffordability calculators.
You could play with the numbers and putin, you know, this is how much the house
is going to be, this is the interest rate.
This is the term, and determinewhat you feel comfortable with.
(09:41):
And once you do that, then youcan determine what is a realistic
price range for yourself.
And you're gonna have to look at howmuch do you have to put down, and
then estimate how much of a monthlypayment that you can realistically
afford and comfortably afford.
And here's the thingI'm gonna say right now.
This is not gonna be popular.
Not the maximum amount.
A lender says that you qualify forbecause this is critical a lender
(10:03):
might say, oh, your income is great.
You can qualify for amortgage up to $3,000 a month.
But then ask yourself, areyou gonna be comfortable with
a $3,000 a month mortgage?
This is just so critical.
And listen, don't forgetto pray for guidance.
A lot of people miss this part.
I'm gonna encourage you to prayspecifically and intently for wisdom
and clear guidance from God onwhether this is the right decision
(10:26):
for you and whether this is the rightdecision for you to make right now.
Is this the right financialstep to align his plan for your
life and why you're praying?
Ask for peace in it, whateverthat might look like for you.
Because all the things I've talkedabout today are going to help directly
fight that struggle of uncertainty andthat stress of overextending yourself
(10:49):
and it replaces that guesswork andall those pressures that you feel from
society with some concrete, realisticnumbers based on your actual situation.
it ensures that when you're readyto buy, it's a prayerful informed
decision that fits comfortably.
I'm using that word again.
Into your overall financialpicture leading to peace and
(11:10):
strategist, overwhelming stress.
And I see that with so manypeople that buy a home.
They just get into overwhelming stress.
Well, let's pray together now.
Father God, we just thank you forthe desire for stability and a home.
We confess that the decision to buy a homeis complex and it can bring significant
financial stress into our lives.
(11:30):
So Lord, we just ask that you would grainus wisdom and grant us clarity, as we
realistically assess our readiness andrealistically assess our affordability.
And just show us the full cost ofthis Lord, and and help us make a
decision that aligns with your willand with our true financial health.
And Lord, just guide us insaving diligently for this
(11:52):
goal if it is your plan.
And may our home decisions be rootedin peace and wise stewardship,
not pressure or anxiety.
And we ask this inconfidence in Jesus' name.
Amen.
deciding whether and when to buya home, it's a major decision.
You got to do your homework.
You've got to count the full cost and doit realistically and seek God's guidance
(12:16):
so you can make an informed decision.
That's the key, because you wantto have peace, not more stress.
And if you're considering buyinga home, Other people might
be considering it as well.
So share this episode with them.
Say, Hey, I listened to this guyRalph, and he really, he really put
it together for us about how we shouldgo about thinking about buying a home.
(12:36):
You can find resources and connectwith our show at our website that's at
financially confident christian.com.
And listen, I've got a specialgift for you on the journey.
There's only a few of these left.
I would encourage you to go tofinancially confident christian.com/master
and get a free copy of my book.
It's called Mastering Your Finances.
It's a quick, powerful, redesignedas a starting point to help you
(12:58):
break that cycle of financialshame and step into confidence.
Again, go to financiallyconfident christian.com/master
to get your free copy today.
Now, tomorrow we're gonna follow upour mortgage and home buying thing.
We're gonna be talking aboutthe practical financial steps
to prepare for buying a home.
That way you know what you canafford we're gonna talk about how
(13:19):
to save for the down payment andhow to navigate those closing costs.
So that's one you don't wanna miss.
So make sure you join me now.
Let's all go out there andbe financially confident.
Christians, you can do this.
I have confidence in you.
Have confidence in yourself.
Stay financially savvy.
God bless you, and youhave a great day today.
The idea of owning your own home, havinga place to call yours, maybe building
some equity, it's a powerful dream formany people, but the financial weight of a
mortgage, the down payments and all thoseclosing costs can feel truly overwhelming.
Let's answer this question today.
Is home ownershipautomatically the right move?
(00:21):
And how do you know if you cantruly afford it without getting
yourself into massive stress?
So stick with me today.
I'm gonna break this down on today's show.
(00:43):
Hey there.
Welcome back to your Daily,financially Confident Christian.
I'm Ralph and it's alwaysgreat to be with you again.
This is the show that helps you answerthat question, how can I become a
financially confident Christian?
And we're continuing ourseries today dealing with those
stresses of money worries.
And for a lot of people, the ideaof owning a home is a lot of stress.
(01:04):
Now, yesterday we talked aboutthe issue of lifestyle creep and
how to keep that increased incomefrom silently slipping away.
Well, today we're gonna be talking aboutone of the most significant financial
decisions that a lot of people make.
That's deciding whetheror not to buy a home.
Now, for a lot ofpeople, it's a milestone.
It's a a way to, to saythat, Hey, we've made it.
(01:26):
But you have to also understandthe financial commitment behind
this, and that can be a huge sourceof stress for a lot of people.
So we gotta be, honestly askingourself today is buying a home, always
the right financial move for me.
Once we decide on that, we gotta askourselves, how do I approach this
decision with wisdom and with peace?
(01:47):
And let's dispel factsfrom fictions today.
Maybe the desire to owna home is strong for you.
You have this vision in your ownmind of having your own space and
putting down your own roots and notpaying rent anymore, but actually
building equity for yourself.
and all those things sound great,
It's what you've always been told.
That's the American dream.
Own your home.
(02:07):
But then you start thinking aboutthe actual steps to get there.
You start thinking through thathuge down payment, maybe 10
or 20% of the purchase price.
And then you're thinking, well,I gotta get an application.
And Ralph, everyone tells me themortgage application process is insanity.
Then once you get through that,then you heard all these stories
about closing costs, and then you'rethinking about, everybody says that
(02:30):
houses are just a money pit and you'reworried about the ongoing expenses of
maintenance, and then there's propertytaxes, and all of this leads to you
to a place of feeling overwhelmedand feeling completely stressed.
Maybe you're one of those people whofeels this pressure from society.
Well, you gotta own a home.
You gotta do the American dream.
(02:50):
You gotta have a house.
Or maybe your family'sputting pressure on you.
Hey, when are you twogonna ever buy a home?
Or, Hey, you ever gonnaown a home of your own?
And you're asking yourself, am Ieven ready financially to do this?
You've got fear.
You've got fear of takingon such a massive debt.
Listen, for most people, a mortgage isthe biggest debt that they will ever
(03:12):
have, and larger than that, there'sthis uncertainty in your mind about
whether you can comfortably afford this.
And I use the word comfortablybecause I think it's so important
that I stress that today.
You gotta look at, are you goingto be comfortable with this?
You gotta look at the totalcost of home ownership.
It's easy to get focusedon that mortgage payment.
(03:34):
Well, my mortgage payment's gonnabe this much, but think about the
other things that go along with that.
And all of those things, they mightjust get all together and they cause
you this huge source of stress.
And then you're back to wondering again.
You're not sure if it's trulythe right financial step for you
or even if you can afford it.
And that just leads to difficulty.
(03:56):
But here's the thing,you gotta understand.
I truly believe that home ownershipcan be a good financial goal.
It's a great form of stability, but here'ssomething I'm gonna tell you, and a lot
of people won't agree with me on this.
It's not automatically the rightmove for everyone at every time.
It's just not.
It's not the automatic, well,everybody should own a home and
(04:18):
this is the right time to do it.
Owning a home is a significantstewardship decision.
With any difficult stewardship decision,we have to put in careful planning and
we gotta put in prayerful discernment,not just follow societal expectations.
and see, to be honest with you, this isone of the biggest problems that I see.
(04:40):
Everybody just assumes,well, you gotta own a home.
Don't plan it.
It'll just work it out.
Gotta work it out.
Well, let's take a look at the Bibleand, and let's see what it says about
wise planning and seeking counsel.
Because you got to make decisionsthat align with your resources
and with God's guidance.
So let's look at Luke chapter 14,and this is from verses 28 and 30.
It talks about counting thecost before building a tower.
(05:02):
And this is perfect forour discussion today.
Suppose one of you wants to build atower, won't you first sit down and
estimate the cost to see if you haveenough money to complete it for?
If you lay the foundation and arenot able to finish it, everyone
who sees it will ridicule you.
What a beautiful verse thatreally addresses exactly
(05:22):
what we're talking about.
If you lay the foundation andyou're not able to finish it,
everyone's gonna ridicule you.
But what does it start with?
It starts with you.
Sit down and estimate thecost and then see if you have
enough money to complete it.
See, building a home is alot like building that tower.
(05:43):
It requires that carefulestimation of the full cost.
Bigger than that, you've gotta havean honest assessment of whether
you have the resources and thestability to not only complete that
purchase, but then maintain it.
So let's look back at the Bible again.
Look at it.
Chapter 24, verse 27 of Proverbs.
(06:03):
finish your outdoor workand get your fields ready.
After that, build your house.
Let's think about that again.
Finish your outdoor workand get your fields ready.
After that, build your house.
See, this implies havingyour financial fields ready.
(06:23):
And you might be saying, Rob, whatin the world are you talking about?
What does that look like?
Well, I'm thinking That's savings.
Do you have savings?
Are you prepared for this?
Are your debts under control?
Because you gotta be ready beforetaking on some large expense of
building or or buying a home.
And like I said a few minutesago, approaching home ownership
(06:45):
as a major stewardshipdecision, seeking God's wisdom.
That, and honestly counting thecost, making sure that it's a
step towards stability and peaceand not some overwhelming burden.
So now you're probablyasking Ralph, what can we do?
How do we navigate this complexdecision of buying a home with wisdom?
(07:07):
And without getting into thatpoint of stress, and I've got a
solution today, I think you needto prayerfully and realistically
assess your financial readiness.
Then determine if you're truly comfortableand you can afford it based on your
budget, based on your savings goals.
Before you even think about looking fora home, talking to a lender or any of
(07:28):
that, that means doing your homework firstto determine what you can truly afford.
And I'm gonna add this wordto the end of that, what you
can truly afford comfortably.
Okay.
Well, here's your one vitalaction step for today.
Specifically laser focusedon realistically assessing
your home buying readiness.
I want you to start with your budget.
(07:49):
Look at your budget.
And then I want you to honestly assesshow much you realistically have saved.
Because if you're gonna have tobuy a house, you're gonna need
money, most likely for a downpayment and for closing costs.
So start there.
Do you have a budget that will supportthis and have you saved enough to handle
the down payment and closing costs?
But then I want you to go a step further.
(08:11):
Ask yourself, do you have a solidemergency fund in place separate
from what you've saved for thedown payment and closing costs?
Do you have an emergency fund in place?
Because guess what?
As a homeowner, it's gonnabe even more important.
Once you do that andyou're like, okay, good.
Yes, I've got the money saved up.
There's room in my budget.
I've got that emergency fund.
The next thing you do is startto estimate what your comfortable
(08:34):
monthly payment could be.
Think about your budget.
What is realistic?
What is comfortable, what you can affordin a total monthly housing payment?
Now this is gonna include your mortgage.
It's gonna include both the principaland the interest, your property
taxes, your homeowner's insurance.
Maybe if you're not putting more than 20%down, you're gonna have to do something
called private mortgage insurance.
I don't have time to coverthat today and maybe fees.
(08:57):
Now listen, a common guideline is to keepbetween 25 and 30% of your monthly take
home to not be any more than your payment.
So, in other words, if you make athousand dollars a month, which,
which a lot of people are not makinga thousand dollars, gonna buy a house.
But let's just say you made a thousanddollars a month, you wouldn't wanna
have a mortgage payment more than $250a month and see, that might not be what
(09:19):
your actual budget says, but this iswhat you truly feel comfortable with
without sacrificing your other financialgoals, like saving and, debt payoff.
You can find this by going right online.
There's a ton of online mortgageaffordability calculators.
You could play with the numbers and putin, you know, this is how much the house
is going to be, this is the interest rate.
This is the term, and determinewhat you feel comfortable with.
(09:41):
And once you do that, then youcan determine what is a realistic
price range for yourself.
And you're gonna have to look at howmuch do you have to put down, and
then estimate how much of a monthlypayment that you can realistically
afford and comfortably afford.
And here's the thingI'm gonna say right now.
This is not gonna be popular.
Not the maximum amount.
A lender says that you qualify forbecause this is critical a lender
(10:03):
might say, oh, your income is great.
You can qualify for amortgage up to $3,000 a month.
But then ask yourself, areyou gonna be comfortable with
a $3,000 a month mortgage?
This is just so critical.
And listen, don't forgetto pray for guidance.
A lot of people miss this part.
I'm gonna encourage you to prayspecifically and intently for wisdom
and clear guidance from God onwhether this is the right decision
(10:26):
for you and whether this is the rightdecision for you to make right now.
Is this the right financialstep to align his plan for your
life and why you're praying?
Ask for peace in it, whateverthat might look like for you.
Because all the things I've talkedabout today are going to help directly
fight that struggle of uncertainty andthat stress of overextending yourself
(10:49):
and it replaces that guesswork andall those pressures that you feel from
society with some concrete, realisticnumbers based on your actual situation.
it ensures that when you're readyto buy, it's a prayerful informed
decision that fits comfortably.
I'm using that word again.
Into your overall financialpicture leading to peace and
(11:10):
strategist, overwhelming stress.
And I see that with so manypeople that buy a home.
They just get into overwhelming stress.
Well, let's pray together now.
Father God, we just thank you forthe desire for stability and a home.
We confess that the decision to buy a homeis complex and it can bring significant
financial stress into our lives.
(11:30):
So Lord, we just ask that you would grainus wisdom and grant us clarity, as we
realistically assess our readiness andrealistically assess our affordability.
And just show us the full cost ofthis Lord, and and help us make a
decision that aligns with your willand with our true financial health.
And Lord, just guide us insaving diligently for this
(11:52):
goal if it is your plan.
And may our home decisions be rootedin peace and wise stewardship,
not pressure or anxiety.
And we ask this inconfidence in Jesus' name.
Amen.
deciding whether and when to buya home, it's a major decision.
You got to do your homework.
You've got to count the full cost and doit realistically and seek God's guidance
(12:16):
so you can make an informed decision.
That's the key, because you wantto have peace, not more stress.
And if you're considering buyinga home, Other people might
be considering it as well.
So share this episode with them.
Say, Hey, I listened to this guyRalph, and he really, he really put
it together for us about how we shouldgo about thinking about buying a home.
(12:36):
You can find resources and connectwith our show at our website that's at
financially confident christian.com.
And listen, I've got a specialgift for you on the journey.
There's only a few of these left.
I would encourage you to go tofinancially confident christian.com/master
and get a free copy of my book.
It's called Mastering Your Finances.
It's a quick, powerful, redesignedas a starting point to help you
(12:58):
break that cycle of financialshame and step into confidence.
Again, go to financiallyconfident christian.com/master
to get your free copy today.
Now, tomorrow we're gonna follow upour mortgage and home buying thing.
We're gonna be talking aboutthe practical financial steps
to prepare for buying a home.
That way you know what you canafford we're gonna talk about how
(13:19):
to save for the down payment andhow to navigate those closing costs.
So that's one you don't wanna miss.
So make sure you join me now.
Let's all go out there andbe financially confident.
Christians, you can do this.
I have confidence in you.
Have confidence in yourself.
Stay financially savvy.
God bless you, and youhave a great day today.
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