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It’s February. The New Year hype is gone, the budget is broken, and you’re wondering why your resolutions didn’t stick. Ever wonder why you can pray about your finances but still feel stuck in the same cycle of debt and stress? This video dives deep into the disconnect between your bank account and your behavior. We explore why willpower fails and how a system built on biblical stewardship can succeed where "just spending less" always fails. In this video, I break down the 90-Day Money Reset—a 12-week framework that combines behavioral psychology with biblical principles. I explain why most financial advice treats money like a math problem when it is actually an emotional one. I will walk you through the "Financial Autopsy" to identify the triggers behind your spending, and show you how to build a "Four-Bucket System" that automates your decisions so you don't have to rely on willpower. I will show you how to apply the "Income Architecture" phase to monetize a skill you already have in just 30 days, and why the "Delayed Gratification Protocol" (the 48-Hour Rule) works to rewire your brain's dopamine loops. I will explain the biblical concept of logizomai (counting the cost) and how it applies to diagnosing your financial reality, not just tracking your expenses. Most importantly, I will give you the exact roadmap for the "Identity Shift"—moving from someone who tries to budget to someone who is a steward. We cover how to replace emotional spending with zero-cost alternatives, how to structure generosity so it compounds, and how to write a financial vision that actually changes your behavior in 2026. Stewardship is not about restriction. It is about aligning your resources with your purpose. The question is not whether this system works, but whether you will work it. 👉 Subscribe if you want to master money and honor God with practical financial wisdom. *Timestamps:* 0:00 - The Cycle of Shame (Why You're Stuck) 2:34 - The Real Problem: You’re Solving the Wrong Equation 4:33 - The 12-Week Framework Overview 5:22 - Weeks 1-2: The Financial Autopsy 7:18 - Weeks 3-4: The Emotional Spending Audit 9:11 - Weeks 5-6: Income Architecture (Your First $100) 11:09 - Weeks 7-8: The Delayed Gratification Protocol 13:08 - Weeks 9-10: Strategic Generosity 14:30 - Weeks 11-12: The Identity Shift #BiblicalStewardship #ChristianFinance #MoneyReset #FinancialFreedom #Budgeting #FaithAndFinance #SideHustle #DebtFreeJourney #JoeTheSteward ⚠️ DISCLAIMER: I am not a financial advisor, certified financial planner, or licensed investment professional. The content presented on this channel is for educational and entertainment purposes only. All opinions expressed are my own and should not be construed as financial, investment, or spiritual advice. The "90-Day Money Reset" is a framework based on behavioral principles and personal experience; results may vary based on your individual effort and economic situation. Always conduct your own research and consult with qualified professionals before making major financial decisions.