Welcome to the Excel Stillmore podcast. I am your host, Chris Emerson. I'm here to encourage you in your walk with God. Thank you for joining in.

Today's podcast is sponsored by Cunningham Financial Group. John Cunningham is a friend of mine and a brother in Christ, and he can help you with financial

decisions and future planning.

He's been a big help to me and my family, and I commend him to you.

You can reach him at 205-913-1720.

I am so thankful you're here, so let's get started.

Welcome back and thanks for listening in today. So it is early November, and I think the last two months on the calendar are my favorite part of every year.

I mean, don't quote me on that.

I probably said that about every other part of the year.

But let's just say this is a very special time for me and my family, and maybe yours as well.

The obvious reasons relate to the holiday season, but for us it represents a slowdown.

I travel a lot less.

There are fewer sports events, games, and practices. The days are shorter and they can be wet and cold. But for us, that just means a lot less busyness and a lot more time together at home.

Whatever your personal situation, I want you to look at these

last two months as a great time for planning. Hopefully you have a little less going on and you can

evaluate this past year. What are some things you involved yourself in? What are some goals that you

pursued? What are some good accomplishments that you're proud of, what are some things that

you fell short on? And go ahead and start planning 2023 now. You don't want to just get up on January

1st and say, okay, what do I need to start doing out of the blue right now to make this the best

year ever? Instead, take the time at home or the time with family

throughout the rest of November and December and assess what you want next year to look like.

What are some big goals that are now in reach for you? And maybe you go ahead and start pursuing them in some ways right now.

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