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Beyond The Budget

Beyond The Budget

著者: Greg Carroll - Legacy Financial Coaching
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A podcast about all things personal finance, money behaviors, wise spending, debt-free living, building wealth, and leaving a legacy that matters.Copyright 2025 All rights reserved. 個人的成功 自己啓発
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  • Proverbs Series - Episode 7 - Don't Get Played
    2025/07/07

    Verses: Proverbs 7:21–23

    “With much seductive speech she persuades him; with her smooth talk she compels him. All at once he follows her, as an ox goes to the slaughter… till an arrow pierces his liver… he does not know that it will cost him his life.” — Proverbs 7:21–23

    Overview: Episode 7 dives deep into the heart of temptation—and how it shows up not just in relationships but in our finances. Greg Carroll compares the trap of adultery in Proverbs 7 with modern financial seduction: emotional spending, consumer pressure, and impulse buying. This episode is a bold warning and a practical guide to guarding your wallet and your heart.

    What You’ll Learn:

    • How financial temptation mirrors the seduction described in Proverbs 7

    • The slow, passive path toward debt and regret

    • Real-life examples of common traps: “zero-interest” offers, emotional purchases, and the Amazon black hole

    • How temptation robs us of peace, progress, and purpose

    • Actionable ways to create boundaries that protect your finances

    Take Action: 🚨 Name your biggest financial temptation 🛡️ Set a boundary today: delete the app, unfollow the feed, or ask for accountability 🙏 Pray: “Lord, help me walk in wisdom—not regret. Guard my heart and guide my steps.”

    Mentioned in the Episode:

    • More coaching resources at LegacyFinancialCoach.com

    • Share, subscribe, and leave a review to help others break free financially
    📖 Proverbs 7 (English Standard Version)

    1 My son, keep my words and treasure up my commandments with you; 2 keep my commandments and live; keep my teaching as the apple of your eye; 3 bind them on your fingers; write them on the tablet of your heart. 4 Say to wisdom, “You are my sister,” and call insight your intimate friend, 5 to keep you from the forbidden woman, from the adulteress with her smooth words.

    6 For at the window of my house I have looked out through my lattice, 7 and I have seen among the simple, I have perceived among the youths, a young man lacking sense, 8 passing along the street near her corner, taking the road to her house 9 in the twilight, in the evening, at the time of night and darkness.

    10 And behold, the woman meets him, dressed as a prostitute, wily of heart. 11 She is loud and wayward; her feet do not stay at home; 12 now in the street, now in the market, and at every corner she lies in wait. 13 She seizes him and kisses him, and with bold face she says to him, 14 “I had to offer sacrifices, and today I have paid my vows; 15 so now I have come out to meet you, to seek you eagerly, and I have found you. 16 I have spread my couch with coverings, colored linens from Egyptian linen; 17 I have perfumed my bed with myrrh, aloes, and cinnamon. 18 Come, let us take our fill of love till morning; let us delight ourselves with love. 19 For my husband is not at home; he has gone on a long journey; 20 he took a bag of money with him; at full moon he will come home.”

    21 With much seductive speech she persuades him; with her smooth talk she compels him. 22 All at once he follows her, as an ox goes to the slaughter, or as a stag is caught fast 23 till an arrow pierces its liver; as a bird rushes into a snare; he does not know that it will cost him his life.

    24 And now, O sons, listen to me, and be attentive to the words of my mouth. 25 Let not your heart turn aside to her ways; do not stray into her paths, 26 for many a victim has she laid low, and all her slain are a mighty throng. 27 Her house is the way to Sheol, going down to the chambers of death.

    Be Free

    Greg

    Follow Me Here:

    Facebook - https://www.facebook.com/1legacyfinancialcoach

    Instagram - https://www.instagram.com/legacyfinancialcoach

    X - https://x.com/1legacycoach

    YouTube - https://www.youtube.com/@legacyfinancialcoach

    TikTok - https://www.tiktok.com/@legacyfinancialcoach

    Website: https://www.legacyfinancialcoach.com/

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    7 分
  • Proverbs Series - Episode 6 - Wake Up and Hustle Smart
    2025/07/06
    Verses: Proverbs 6:1–5 (cosigning), Proverbs 6:6–11 (laziness & diligence) “Go to the ant, O sluggard; consider her ways, and be wise… A little sleep, a little slumber, a little folding of the hands to rest, and poverty will come upon you like a robber, and want like an armed man.” — Proverbs 6:6,10–11 Overview: In Episode 6, Greg Carroll brings some real talk from Proverbs 6 on two traps that threaten your financial future: reckless responsibility (like cosigning) and passive procrastination. Whether you’ve loaned money you shouldn't have or you’ve been “resting” a little too long on your budget goals, this episode calls you to wake up, take action, and hustle with wisdom. What You’ll Learn: Why cosigning is often a dangerous financial decision How Solomon compares financial passivity to a slow erosion of your future What the ant can teach you about preparation and progress How rest can sometimes be a cover for avoidance Two coaching questions to check your financial diligence today Take Action: Ask: Are you shouldering financial responsibility that isn’t yours? Identify one task you’ve been avoiding—then take action today Pray: “Lord, help me honor You with diligence, and move with wisdom, not worry.” Mentioned in the Episode: Learn more and get support at LegacyFinancialCoach.com Share, subscribe, and leave a review to help others break free financially Proverbs 6 (English Standard Version) 1 My son, if you have put up security for your neighbor, have given your pledge for a stranger, 2 if you are snared in the words of your mouth, caught in the words of your mouth, 3 then do this, my son, and save yourself, for you have come into the hand of your neighbor: go, hasten, and plead urgently with your neighbor. 4 Give your eyes no sleep and your eyelids no slumber; 5 save yourself like a gazelle from the hand of the hunter, like a bird from the hand of the fowler. 6 Go to the ant, O sluggard; consider her ways, and be wise. 7 Without having any chief, officer, or ruler, 8 she prepares her bread in summer and gathers her food in harvest. 9 How long will you lie there, O sluggard? When will you arise from your sleep? 10 A little sleep, a little slumber, a little folding of the hands to rest, 11 and poverty will come upon you like a robber, and want like an armed man. 12 A worthless person, a wicked man, goes about with crooked speech, 13 winks with his eyes, signals with his feet, points with his finger, 14 with perverted heart devises evil, continually sowing discord; 15 therefore calamity will come upon him suddenly; in a moment he will be broken beyond healing. 16 There are six things that the Lord hates, seven that are an abomination to him: 17 haughty eyes, a lying tongue, and hands that shed innocent blood, 18 a heart that devises wicked plans, feet that make haste to run to evil, 19 a false witness who breathes out lies, and one who sows discord among brothers. 20 My son, keep your father's commandment, and forsake not your mother's teaching. 21 Bind them on your heart always; tie them around your neck. 22 When you walk, they will lead you; when you lie down, they will watch over you; and when you awake, they will talk with you. 23 For the commandment is a lamp and the teaching a light, and the reproofs of discipline are the way of life, 24 to preserve you from the evil woman, from the smooth tongue of the adulteress. 25 Do not desire her beauty in your heart, and do not let her capture you with her eyelashes; 26 for the price of a prostitute is only a loaf of bread, but a married woman hunts down a precious life. 27 Can a man carry fire next to his chest and his clothes not be burned? 28 Or can one walk on hot coals and his feet not be scorched? 29 So is he who goes in to his neighbor's wife; none who touches her will go unpunished. 30 People do not despise a thief if he steals to satisfy his appetite when he is hungry, 31 but if he is caught, he will pay sevenfold; he will give all the goods of his house. 32 He who commits adultery lacks sense; he who does it destroys himself. 33 He will get wounds and dishonor, and his disgrace will not be wiped away. 34 For jealousy makes a man furious, and he will not spare when he takes revenge. 35 He will accept no compensation; he will refuse though you multiply gifts. Be Free Greg Follow Me Here: Facebook - https://www.facebook.com/1legacyfinancialcoach Instagram - https://www.instagram.com/legacyfinancialcoach X - https://x.com/1legacycoach YouTube - https://www.youtube.com/@legacyfinancialcoach TikTok - https://www.tiktok.com/@legacyfinancialcoach Website: https://www.legacyfinancialcoach.com/
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    8 分
  • Proverbs Series - Episode 5 - Pleasure vs. Puspose
    2025/07/05

    Verses: Proverbs 5:3–5, 7–10

    “For the lips of a forbidden woman drip honey, and her speech is smoother than oil, but in the end she is bitter as wormwood, sharp as a two-edged sword… Keep your way far from her… lest strangers take their fill of your strength, and your labors go to the house of a foreigner.”

    Overview: Episode 5 takes a bold look at the seductive power of temptation—not just in relationships, but in your finances. Greg Carroll draws a powerful parallel between the forbidden woman in Proverbs 5 and the enticing voices of modern consumerism. This episode is your wake-up call to recognize the high cost of impulsive choices and reclaim your strength for purposeful living.

    What You’ll Learn:

    • How financial temptations mirror the seductive lies described in Proverbs 5

    • The high cost of chasing pleasure—regret, lost resources, and emotional captivity

    • How advertisers manipulate your desire for status and satisfaction

    • Practical ways to guard against impulse spending and emotional purchases

    • Why protecting your purpose is more valuable than indulging in pleasure

    Take Action: Identify your financial temptations—what’s your “forbidden woman”? Delete apps, unfollow accounts, or avoid websites that trigger spending Pray: “Lord, help me choose purpose over pleasure and wisdom over want.”

    Mentioned in the Episode:

    • Visit LegacyFinancialCoach.com for coaching, tools, and support

    • Share, subscribe, and leave a review to help others break free financially

    Proverbs 5 (English Standard Version)

    1 My son, be attentive to my wisdom; incline your ear to my understanding, 2 that you may keep discretion, and your lips may guard knowledge. 3 For the lips of a forbidden woman drip honey, and her speech is smoother than oil, 4 but in the end she is bitter as wormwood, sharp as a two-edged sword. 5 Her feet go down to death; her steps follow the path to Sheol; 6 she does not ponder the path of life; her ways wander, and she does not know it.

    7 And now, O sons, listen to me, and do not depart from the words of my mouth. 8 Keep your way far from her, and do not go near the door of her house, 9 lest you give your honor to others and your years to the merciless, 10 lest strangers take their fill of your strength, and your labors go to the house of a foreigner, 11 and at the end of your life you groan, when your flesh and body are consumed, 12 and you say, “How I hated discipline, and my heart despised reproof! 13 I did not listen to the voice of my teachers or incline my ear to my instructors. 14 I am at the brink of utter ruin in the assembled congregation.”

    15 Drink water from your own cistern, flowing water from your own well. 16 Should your springs be scattered abroad, streams of water in the streets? 17 Let them be for yourself alone, and not for strangers with you. 18 Let your fountain be blessed, and rejoice in the wife of your youth, 19 a lovely deer, a graceful doe. Let her breasts fill you at all times with delight; be intoxicated always in her love. 20 Why should you be intoxicated, my son, with a forbidden woman and embrace the bosom of an adulteress?

    21 For a man's ways are before the eyes of the Lord, and he ponders all his paths. 22 The iniquities of the wicked ensnare him, and he is held fast in the cords of his sin. 23 He dies for lack of discipline, and because of his great folly he is led astray.

    Be Free

    Greg

    Follow Me Here:

    Facebook - https://www.facebook.com/1legacyfinancialcoach

    Instagram - https://www.instagram.com/legacyfinancialcoach

    X - https://x.com/1legacycoach

    YouTube - https://www.youtube.com/@legacyfinancialcoach

    TikTok - https://www.tiktok.com/@legacyfinancialcoach

    Website: https://www.legacyfinancialcoach.com/

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    6 分

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