Feeling Lost With Money? Start Here
Struggling to find clarity with your finances? In this episode of Ask Ralph, we’re addressing the emotional and spiritual weight of financial confusion—and why the first step forward isn’t a spreadsheet or budget, but prayer. Ralph shares how inviting God into your money decisions through honest, specific, daily prayer can shift your mindset from panic to peace. If you’re feeling stuck, unsure where to begin, or overwhelmed by debt and anxiety, this conversation will meet you right where you are. It’s a must-listen for anyone who’s feeling lost with money.
Check out the full podcast episode here
You’ll learn why faith and finances are never meant to be separate, how surrendering control opens the door to wisdom, and the exact way to start praying about your finances today. Ralph offers one simple action step you can take immediately—and why that small habit can lay the foundation for lasting clarity, peace, and stewardship rooted in trust.
Chapters:
- 00:08 - Taking the First Step Towards Financial Freedom
- 01:50 - Understanding Financial Overwhelm
- 04:06 - The Power of Prayer in Financial Decisions
- 04:16 - Starting a Conversation with God about Finances
- 06:07 - Exploring the Concept of 'Enough'
Takeaways:
- Managing money can feel super overwhelming, but we all start somewhere, right?
- The first step is to invite God into your financial journey through specific prayer, trust me!
- Don't let financial stress crush your spirit; start with just a simple prayer today!
- Feeling lost with finances? You're not alone, we all have been there, let's tackle it together!
- It's all about partnership with God; ask for wisdom and guidance in your money matters.
- Instead of stressing about bills, take five minutes to pray and find peace today!
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00:00 - None
00:08 - Taking the First Step Towards Financial Freedom
01:50 - Understanding Financial Overwhelm
04:06 - The Power of Prayer in Financial Decisions
04:16 - Starting a Conversation with God about Finances
06:07 - Exploring the Concept of 'Enough'
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Hey, is managing your money just feeling heavy?
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Like you know you need to get a handle on it, but you're honestly
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not even sure where to begin?
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Stick around because we're gonna talk about the very first, most powerful
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step that you can take on today's show.
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Hey there, and welcome.
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I'm Ralph and I'm so glad you're tuning in today.
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This is where we figure out finances together, aiming for freedom and growing
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our faith along the way, helping you break that cycle of financial shame.
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And do it with confidence.
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Today we're kicking off a brand new series that I call the Joy
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of Living Below your means.
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So let's talk honestly for just a minute.
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Maybe you're feeling completely overwhelmed by your finances right now.
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Does that sound familiar?
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It's like this cloud hanging over you.
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You know, you should do something, budget, save more, maybe pay off some debt.
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But the sheer number of things that people say you should do, it just paralyzes you.
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You end up doing nothing, or maybe you avoid looking at your bank account
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because it's just too stressful.
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You just feel stuck, maybe even a little hopeless.
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You're wondering, where on earth do I even start?
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Well, that feeling of being financially adrift, unsure that first step,
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that's the single pain point that we're tackling today on the show.
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It's that sense of being lost and not having a map.
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Here's the thing.
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We often feel this way because we try to muscle through
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money problems all on our own.
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We treat it like this separate compartment of our life, disconnected from our
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faith, and we forget that God actually cares deeply about how we handle
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the resources he's already given us.
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And more importantly, he wants to help see, trying to navigate this alone
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without seeking his guidance first.
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That's why it feels so overwhelming.
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We're carrying the weight ourselves.
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So what can we do about that specific feeling?
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That feeling of being lost and overwhelmed?
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That's the real starting point today.
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So before the spreadsheets, before the apps, the single most powerful solution
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is this, and that's to intentionally invite God into your financial
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picture through specific prayer.
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Seriously, it sounds almost too simple, right?
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But think about it.
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The book of James chapter one, verse five promises that if we
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lack wisdom, we should ask God.
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And what does it say next?
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It says, he'll give it generously, and goodness knows,
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we need some wisdom with money.
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Praying specifically about your finances means talking to God honestly
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about things like your stress.
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Maybe say something like, God, I'm really worried about paying this bill.
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Maybe you talk to him about your confusion saying something like, Lord, I don't
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know the best way to handle this debt.
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You can ask him about your need for wisdom.
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Say something like, father, please show me where I'm being foolish
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or undisciplined with money.
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Or maybe it's your desire for change.
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Say something like, God, help me find contentment and become a better steward.
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And see, this isn't about asking for a windfall.
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It's not what we're asking for at all.
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It's about partnership.
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It is saying, God, I can't do this alone.
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I need your help.
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Please guide me.
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And this act of surrender.
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And that seeking his wisdom, that is truly the antidote to that feeling
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of being lost and overwhelmed.
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So that's the solution.
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Start with prayer.
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Okay, so here's your one simple action step to today, starting today.
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Don't try to boil the ocean.
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Just do this one thing sometime today.
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I want you to find five or 10 minutes maybe right now if you
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can, or schedule it and talk to God specifically about your finances.
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That's it.
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Just just open up the conversation, tell him your worries, ask for his wisdom.
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Ask him to show you the next right step, and I want you to commit to
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doing that each day, starting today.
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You might ask Ralph, why this action?
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Because it directly tackles that feeling of being overwhelmed and
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lost instead of staring at this mountain, feeling paralyzed, you're
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turning to the mountain mover first.
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It brings peace and it brings perspective, reminding you that
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you are not alone today or any day.
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It's the foundational step that makes all other practical steps possible.
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Let's just take a moment right now and pray together.
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Father God, thank you for being here with us right now.
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Lord, I lift up my friend listening.
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They're feeling overwhelmed, maybe stressed, or just plain
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stuck with their finances today.
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They don't know where to start.
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Father, would you meet them right there where they are?
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Father, replace that overwhelm with your peace.
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Give them the courage and the discipline starting today to simply begin by talking
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to you about it each and every day.
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Lord, grant them your wisdom.
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Show them you are their provider and their guide, and help them
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take this one simple step.
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Today.
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We ask this in Jesus' name.
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Amen.
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Well, all right, that's your mission starting today.
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Just one thing, daily specific prayer about your finances.
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I wanna encourage you, take that step, see how it starts to shift your perspective.
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And I want you to remember this journey to financial freedom and deeper faith
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is taken one step at a time, and you just found your starting point today.
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Tomorrow we're gonna tackle a really interesting question in a
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world that always screams for more.
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How do we figure out what enough actually looks like for us?
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We're gonna explore action item number two, and that's
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defining enough for yourself.
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And if today's episode helped you, maybe you could share it with someone else
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who might be feeling overwhelmed too.
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I encourage you.
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Join our community@askralph.com and until tomorrow, stay financially
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savvy and keep seeking him first.
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God bless you and I want you to have a great day today.
