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October 15, 2025 12 mins

Buckle up, folks, because today we're diving into the wild world of the stock market, and let me tell ya, it’s a roller coaster ride! We’re tackling that gnawing fear that hits when the market takes a nosedive and discussing how to keep your cool instead of losing your marbles. I mean, who hasn’t felt that panic creeping in when the numbers drop, right? But don’t sweat it; we’re here to remind you that these market fluctuations are just part of the game. So, grab your favorite snack, kick back, and let’s chat about patience, perseverance, and how to ride out those financial ups and downs like a pro! Understanding Market Cycles: Investing with Patience and Faith?

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Ever feel like investing is a wild ride, like you’re strapped into a roller coaster? That's the vibe we're serving in today's chat. We're diving deep into the ups and downs of the stock market, and let me tell you, it’s not just a smooth sail. Ralph kicks things off with a relatable question that gets everyone thinking: how do you keep your cool when the market takes a nosedive? Spoiler alert: it’s all about patience and faith. Ralph shares his own roller coaster experiences from 2008, when panic was the name of the game. He reminds us that it’s totally normal to feel scared when stocks plummet, but he emphasizes the importance of staying steady and avoiding knee-jerk reactions. After all, the only thing worse than a market dip is making a bad decision in the heat of panic.

We explore how faith can guide us through financial chaos. Ralph shares a powerful story about a client who nearly withdrew everything during a downturn but found peace through prayer and patience. It’s a heartwarming reminder that when we trust in God's provision, we can weather any storm. And let’s not forget about the wisdom of Warren Buffett, who once said that the stock market is designed to transfer money from the impatient to the patient. So, the takeaway here? Keep your eyes on the long game, folks, because downturns are just temporary bumps on the road to growth.

Towards the end, Ralph gives us some practical steps to manage that investing anxiety. He encourages us to write down affirmations, like “Downturns are temporary; my plan is long-term.” So, as we hop back on this roller coaster, let’s remember to hold tight, trust the process, and keep our faith strong. Life is too short to live in fear, and with God’s provision, we can navigate the wild twists and turns of the market with confidence.

Takeaways:

  • The stock market is like a roller coaster; it goes up and down, so stay calm!
  • When the market drops, don’t panic; it's all part of the investing cycle, dude.
  • Patience is key in investing; remember, downturns are temporary, and growth will come.
  • Trust in God’s provision helps maintain peace during financial uncertainty, not market fluctuations.
  • It’s super important to avoid panic-driven decisions; they can lead to bad moves in your investments.
  • Get ready for tomorrow’s episode where we'll tackle investment scams and how to avoid them.

Links referenced in this episode:


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Episode Transcript

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(00:00):
You ever been on a rollercoaster? Now you're thinking, ralph,
I tuned into a financialChristian show. What are you talking
about? Roller coasters? Let'stalk about that for a second. Because
one thing that is certain isthis. The stock market is not a sure
bet. Yes, it's a rollercoaster. And I got this question
and I thought, this is perfectfor today. I'm talking a lot about

(00:21):
investments in this series.The listener said this. He said,
ralph, every time the marketdrops, I panic. How am I supposed
to stay calm when it feelslike everything is falling apart?
Kind of like on that rollercoaster. I'm not a big fan of roller
coasters. I get on there andI'm excited. I'm going to go up and
down on this roller coaster.In my mind. I think I'm going to
be okay. That pain you feelwhen the market crashes, that's real.

(00:44):
And I've felt it myself manytimes. Because if we're going to
be intellectually honest witheach other, markets go up and markets
go down and it's so easy tothink, oh, this is a sign of doom,
things are going to neverrecover. We need to realize something.
It's just a cycle. And that'snot really the question for today.
The question isn't will themarkets go up and down? We already
know that's going to happen.That roller coaster is going to go

(01:05):
up and down. It's going to doall kinds of grooves and valleys.
Hey, there's even one near methat goes completely upside down.
I'm not getting on that one.But the real question is how do we
respond when that happens. Sotoday I'm going to help you respond
and not panic and definitelynot overreact. That's what we're
going to cover on today'sshow. This is Financially Confident

(01:25):
Christian, your daily dose ofgospel, grounded insight and faith
driven tips to help you breakthe cycle of financial shame with
confidence. Hey there. Thankyou for joining me today. I'm Ralph.
I'm your guide on this journeyto really improve your financials
and do it in a Christian way.And I truly appreciate the trust
you place in me every day. Andthe truth is, today's topic affects

(01:48):
all of us. No one's immunefrom this because as I said before,
it's a certainty we're goingto have market cycles. And over 30
years of my career, I say thatsometimes it makes me feel really
old. But for 30 years I haveseen all kinds of market madness.
I've seen highs that were younever thought, this is never Going
to get this high again.Unfortunately, I've seen those lows

(02:10):
that made people really worryabout what their future looks like.
And during all that, one ofthe things I learned is the fruit
of staying steady. That'ssomething I really talk about today.
Investing with patiencethrough the ups and the downs. I
want to take you back to 2008.I was about 10 years or 15 years
into my business, and thefinancial crisis was right in front

(02:33):
of us. And I had peoplecalling me every day. Now, I'm not
a broker. I don't givefinancial advice. I don't make those
investment decisions. But. Butpeople rely on me. We've built relationships.
And I had so many clients thatwould call me and they're ready to
cash out. I'll never forgetthis one particular woman. She called
me and she said, ralph, I'mdone. This madness in this market
has me scared to death. I'mtaking all my money out and I'm going

(02:53):
to put it in the mattress. AndI said to her, listen, that's not
a really good plan. I said,yes, it's scary right now. The market
is all over the place. We'renot sure what's going to happen.
But she listened to me. I wasso thankful. She called me. We had
a conversation. She came inand sat down. We had a discussion
about this. And I said, list,you've got a pretty big time horizon.

(03:14):
At the time, I think she wasin her early 30s. She had time for
the market to recover. And shesaid, okay, Ralph, I want to take
your trust. I said, don't putyour trust in me. Wait a second,
I said. And she was a personof faith. I said, pray about this
and really ask God, what doeshe want you to do in this case? And
she says, okay, I'm going topray about it. Well, she decided
to stay in the market. And thetruth is, a few years later, she

(03:34):
recovered from that. And sheactually grew stronger than ever.
See, she believed in what Godhad told her. He was going to be
that provision for it. I lovewhat Warren Buffett said. Warren
Buffett's a pretty, you know,fancy pants investment guy. If you
don't know Warren Buffett,he's a pretty smart guy. And he said
this. He said, the stockmarket is designed to transfer money
from the impatient to thepatient. And I thought, wow, that's

(03:56):
a really good way to say it.And I agree with him 100%. Think
about what he said. I'm goingto read that again because it's so
impactful. The, the stockmarket Those ebbs and flows, those
valleys, that roller coasterride. It's designed to transfer money
for those people who areimpatient. Those people are going
to go, I'm out of this market.Like my clients said, Ralph, I'm
getting out of this. I can'ttake it anymore. It's designed to

(04:17):
transfer that to the peoplewho are patient. So we have to ask
ourselves this reallydifficult question right now. How
do we keep from panickingduring those cycles? Because you're
a human being, you havefeelings. Listen, I've been there.
I remember in 2008, wasn't toofar into being in my own practice.
I've been starting to put somemoney away for retirement. And I
got these investmentstatements. I'm like, I'm losing

(04:39):
like crazy. My wife and I aresitting there, we're praying about
it, we're saying, what shouldwe do? And God just said, stay the
course, Ralph. I got this. Sohere's the thing. I want you to understand
my main points for today.Market cycles, starting user. This
is what we do. This is theheartbeat of investing. When you
get on that roller coaster, alot of times you're taking that ride
up and you hear that click,click, click, click. And you're just
going up and up and up, andyou get to the top and you're thinking,

(05:01):
oh, guess what's coming? Guesswhat's going. Yep. And then it happens,
down you go. And we've got toaccept that the market works the
same way. There are going tobe fluctuations in the market. But
here's what I want to giveyou, a little reassurance. Now, listen,
this might be broker talk alittle bit, because I remember when
I was younger, my broker wouldalways say this to me, say, ralph,
don't worry about it. Overtime it always improves. But when

(05:22):
you look back and you'rehonest about it, you look back, every
single dip has eventuallyturned into growth. It just has.
Now we could say, well, themarket corrects itself. I actually
believe it's bigger than that.I think Christ himself is stepping
in and he's showing us, youcan have faith in me. I got provision
for you. This isn't a time topanic. Because here's the problem.
When you panic and a lot ofpeople do this, it leads to making

(05:44):
bad decisions. That clientthat came in, she was going to sell
at a bad time. The market wasreally taking a hit. Well, if she
had done that, she'd beenmaking a really bad decision. But
she hung in there. Yes. Didshe lose some money? In the short
term, absolutely. But it wasthat patience that led to growth.
So there's so much that itsays, oh, get out of the market.
But you get more value bystaying in the market. Because here's

(06:07):
the way it works. It allowsthat compound. We talked about compounding
the other day in the show howjust a little bit can grow. Well,
if you take your money off,it's kind of like when you're a kid.
You get in a fight on the, onthe playground field. You take your
ball and you go home. That'swhat you do when you leave the market.
There's a lot of fun to be hadon the playground still. You got
to keep that ball in there.You got to keep playing. And as a

(06:27):
believer, I think this is evena bigger thing. As a believer, we've
got to really examine our ownbelief system. See, peace doesn't
come from the markets. If youthink you're going to find peace
there, I'm going to tell youright now, you're never going to
find peace in that because Goddoesn't want you to find peace in
that. God wants you to findpeace in his provision. So as a believer,

(06:48):
we need to see thisdifferently. We don't just live in
this world. We don't go as theworld says. I do a show called Truth
Unveiled with Ralph whereevery Sunday I try to break down
that culture versus scripture,and I'm gonna encourage you to check
it out. You can seethat@truthunveilwithralph.com another
great show. It's once a weekon Sundays, but check it out. But
we have to really understandit. We can live in this world. We

(07:08):
don't want to live as theworld. We gotta trust God in this
provision and we gotta trusthim with patience. Another thing,
and this might step on alittle toes. You got to stop looking
for those big wins. So manypeople. Oh, this is a sure thing,
Ralph. I'm going to do thisbecause it's going to be a big win.
Well, maybe you need to checkyour heart there because are you
putting yourself in a positionwhere you're going to have that big

(07:31):
loss? Here's the thing aboutthat roller coaster analogy. As you're
climbing that hill, as thathill gets taller and taller and taller,
guess what's coming. It mightbe a big win, but that big fall is
coming. Let's get right intothe Bible. I love this from the Book
of James, chapter one, versesthree and four. I love what it says.
It says because you know thatthe testing of your faith produces
perseverance. Let Perseverancefinish its work in your favor. What

(07:57):
a reassuring piece ofscripture, perseverance. It mentions
it twice here in this oneverse. See, as a believer, we need
to understand something at thevery core. Peace doesn't come from
the markets. Peace doesn'tcome from what's in your bank account.
Peace doesn't come from what'sin your investment accounts. Peace
doesn't come in how many cars,houses, whatever those things are.

(08:17):
It doesn't come into beautifulvacations. It comes from knowing
Christ. It comes from trustingin God and his provision for us.
What a promise, right? Howreassuring is that? And I had to
give us a second verse today.I don't always do two, but I found
this one. I thought, this isperfect. It's all about seasons.
You probably heard this versemany times. You didn't, maybe didn't

(08:39):
even know where it came from.It's Ecclesiastes, chapter three,
verse one. And I love thisone. There's a time for everything
and a season for everyactivity under the heavens. Cycles
are a season. They're a timeof testing. They're a time of testing
our faith. So let me ask youright now, has your faith ever been

(09:00):
tested? That might be whatyou're in right now. When your faith's
being tested, what's the bestway to handle it? You pray. So let's
pray together right now. Lord,we just thank you for this provision
you give us, Lord, and for thefaith and the seasons of faith that
you bring into our lives,Lord. And during these times of the
fear and panic, Lord, give uspatience. And when that financial

(09:23):
anxiety arises, Lord, be therefor us. Put your arm around us, Lord,
and we'll know that it's yourwill for us to get through this cycle,
Lord. Give us wisdom to trustlong term over those short term fears,
Lord, and help us to breakthese cycles, these market cycles
that scare us so much. Help usto overcome that fear, Lord. And
we just thank you for thissteady provision. Through all the

(09:44):
seasons of our life, throughall those storms that come our way,
Lord, we just ask this inconfidence. In the name of Jesus,
Amen. Well, today's action isthis. I want you to just take a simple
minute. I want you to writedown this phrase. You ready? This
is what I want you to writedown. Downturns are temporary. My
plan is long term. I'm goingto give it to you again because I
want you to write this down.Put it on a sticky note, put it on

(10:06):
your phone, put it whereveryou keep that investment account
where you Keep your bankaccount, whatever that is, just write
this down. Downturns aretemporary. My plan is long term because
that can act as a reminderbefore you. It can become your mantra.
It's your go to belief. Theytalk about writing a scripture on
your heart. I'm gonnaencourage you to do that right now.
Think long term. As aChristian, we think long term, right?

(10:29):
We're gonna get to that pointof death and we hope to hear these
words, well done, good andfaithful servant. What does that
mean? It means beingconsistent. It means being diligent.
And the truth is, like I saidearlier, markets move in cycles.
You can't fear those dips.It's time to break that cycle of
fear. Find that wisdom, findthat patience. And as I said, remember,

(10:50):
recovery always has followedthose downturns. But here's the thing
you have never had to worryabout. You're never going to lose.
Have a downturn in God'sprovision. It's steady. Even when
the markets are shaky, God'sprovision is steady. He's our rock
during the storms and he's ourrock during the times of distress.
So I'm going to encourage youright now, put your faith in him
today. Now tomorrow I'm goingto talk about investment scams. A

(11:12):
lot of people have beenscammed. Tomorrow we're going to
dig in deep. We're going totalk about how to spot those red
flags. Because one thing thatmakes me angry is all get out is
when I see people takenadvantage of. So tomorrow on the
show, I'm going to tell youhow to avoid those things. Because
listen, it's not my firstrodeo. I've seen some crazy ones.
And today I want to encourageyou to do one more thing for me.
One of the ways that we growthis show is when you share it with

(11:33):
other people. There are somany people out there right now who
are dealing with these type ofsituations where they're living in
panic, they're living in fear,they're not sure what's going on
in the world. We live in acrazy times right now. We see all
kinds of crazy things goingaround us. But you can share the
show with them. Just pointthem right to our website. That's
financiallyconfidentchristian.com show
them a better way. Show themthe Christian way. Because guess

(11:56):
what? You're an ambassador forChrist and as an ambassador, you
should show them a better way.So I encourage you to do that. Send
them tofinanciallyconfidentchristian.com and
I just want to encourage youright now, you can do this. You don't
have to live in fear anymore.God hears your prayers. Just reach
out to the Father and he'llsweep you up and he'll put his arms
around you. Stay financiallysavvy. God bless you. Today. You

(12:19):
have a great day.
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