Category Archives: False Teaching

False Teaching, Greed, Optimizing Life, Treasures In Heaven

Sharing Among Believers

Many today imagine that a strong federal government that takes from the “rich” and redistributes that to the “poor” is consistent with the sharing of the community of believers in Acts chapter 4. This is quite simply not the case as there are a number of key distinctions we shall cover in this teaching.

Acts 4:32-37

Sharing among Believers

32And the congregation of those who believed were of one heart and soul; and not one of them claimed that anything belonging to him was his own, but all things were common property to them. 33And with great power the apostles were giving testimony to the resurrection of the Lord Jesus, and abundant grace was upon them all. 34For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales 35and lay them at the apostles’ feet, and they would be distributed to each as any had need.

36Now Joseph, a Levite of Cyprian birth, who was also called Barnabas by the apostles (which translated means Son of Encouragement), 37and who owned a tract of land, sold it and brought the money and laid it at the apostles’ feet.

Note that the community of believers in Acts 4 was just that… a community of believers or followers of Jesus Christ. It was not a community involving those who rejected Jesus and lived according to their own desires. They were filled with the Holy Spirit and abundant grace was upon them. Those who rejected the values and teachings of Jesus were not part of this community. This fact is crucial in understanding why this approach worked for the Acts 4 community, but has failed every time a government has tried to employ forced redistribution of wealth among its people throughout time.

Socialism and communism repeatedly fail. Capitalism gives rise to the most prosperity across the population. Even within a somewhat capitalist system, such as the current situation in the USA, the government interference to constantly take money from some to give to others results in a great burden that threatens to collapse the economic success of the nation.

Why? When a strong government forces redistribution among its people, inevitably the government is also denying God’s authority so as to assert its own authority as unchallenged. Further, it includes all manner of people, not just Spirit filled believers. In this, the selfish nature of the unbeliever (and many believers who are struggling to follow Christ fully) is the downfall of these systems. Many people choose not to work or not to work as hard because it does not benefit them personally. On the other hand, in true capitalism, that same selfish nature is channeled across the population to create business, jobs, and wealth. It lifts the economic well being of the whole nation.

For a sharing community to truly work, it must be centered on Christ and include only true followers of Jesus Christ. Those who choose not to work, choose not to eat. All work together to contribute as much as they can and take as little as they absolutely need.

2 Thessalonians 3:6-15

6Now we command you, brethren, in the name of our Lord Jesus Christ, that you keep away from every brother who leads an unruly life and not according to the tradition which you received from us. 7For you yourselves know how you ought to follow our example, because we did not act in an undisciplined manner among you, 8nor did we eat anyone’s bread without paying for it, but with labor and hardship we kept working night and day so that we would not be a burden to any of you; 9not because we do not have the right to this, but in order to offer ourselves as a model for you, so that you would follow our example. 10For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either. 11For we hear that some among you are leading an undisciplined life, doing no work at all, but acting like busybodies. 12Now such persons we command and exhort in the Lord Jesus Christ to work in quiet fashion and eat their own bread. 13But as for you, brethren, do not grow weary of doing good.

14If anyone does not obey our instruction in this letter, take special note of that person and do not associate with him, so that he will be put to shame. 15Yet do not regard him as an enemy, but admonish him as a brother.

In the community of Spirit filled believers in Acts, the poor people were likely not acting selfishly any more than the rich. So we can assume they took only what they needed and worked to provide what they could to help others.

Lastly, we must never forget or overlook that it was a community receiving the abundant grace and blessing of God because they honored Him through proclaiming and following the teaching of Jesus Christ! Government can not replace God as our provider and guide for a full and blessed life that our Father wants for each of us.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

False Teaching, Greed, Treasures In Heaven

Prosperity and the Love of Money

Many today preach a false gospel about prosperity. They teach that if you have enough faith you can command God and use His power to give you a bigger house or more money. For those who study the Bible for themselves, this can quickly be recognized as foolishness.

There are plentiful examples of wealthy people who served God such as Abraham, Solomon, and David. As a matter of fact, wealth used to honor God can be a great resource. Great wealth was used to build God’s temple. Wealth can be used to help people around the world and of course to share God’s word.

However, there are even more abundant examples of poor people who served God with great faith, such as the prophets and disciples… and even Jesus Christ Himself.

Luke 9:58

58 But Jesus replied, “Foxes have dens to live in, and birds have nests, but the Son of Man has no place even to lay his head.”

Wealth is not an indicator of someone’s relationship with God.

The love of money on the other hand, when it replaces the love of God, leads many to ruin.

1 Timothy 6:6-10

6 Yet true godliness with contentment is itself great wealth. 7 After all, we brought nothing with us when we came into the world, and we can’t take anything with us when we leave it. 8 So if we have enough food and clothing, let us be content.

9 But people who long to be rich fall into temptation and are trapped by many foolish and harmful desires that plunge them into ruin and destruction. 10 For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.

Matthew 6:24 reminds us of the following:

24 “No one can serve two masters. For you will hate one and love the other; you will be devoted to one and despise the other. You cannot serve both God and money.

It is easy to give lip service and say that we serve God and not money. If you truly reflect on how you live and where you spend your time… would it tell a different answer?

Want to look at it more objectively? Take on a challenge for a week. Without doing anything out of the ordinary in your schedule, keep track of where you spend your time. You can, of course, do this for more than a week. At the end sum up by category where you spent your time putting the most time at the top and the least at the bottom. You will likely see things like “sleeping” near the top and that is ok. You will have “eating” and “TV or internet or online  entertainment” and such. You may have a hobby. Many of us will have jobs to include. Mom’s who take care of their children full time should absolutely give them self credit for the category “taking care of children” for this is one of their most important responsibilities before God. Where in the list does “prayer” show up? Where in the list does “Bible study” show up? How about “rest”, as God commanded us to observe the Sabbath? What about “helping others”?

Do not exclude work from the analysis as a “must do”. How much we do and what job we do are choices and they do compete with the time we can devote toward God. If your work is pleasing to God and honoring His kingdom (e.g. ministry outreach formally or informally in your workplace or mom’s taking care of their kids, etc.) do not feel bad that you spend a significant portion of your time there. If, however, work is only a means to gain an income it may have a different consideration. Ultimately you are the “judge” and you should prayerfully consider what changes you should make rather than get defensive and just rationalize why you are already doing everything right. Consider involving an accountability partner whom you trust and who shares a true faith in Jesus Christ.

You can of course complete a similar activity tracking over the course of a month where you spend your money.

For most of us, the results will make us think and more objectively challenge ourselves on how much time we really devote to what we serve. Do we serve money, our own selfish desires, or God?

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Control Debt, Control Spending, Diversification, Ethics, False Teaching, Generate Income, Greed, Optimizing Life, Plan Carefully and Seek Wise Advice, Saving, Speculative Investment, Stewardship, Treasures In Heaven

Biblical Guiding Framework For Financial Freedom

God lays out important principles for managing finances in the Bible. He wants His people to be wise stewards of the resources He provides.

In this article we lay out a high level framework that  provides valuable insight for those who take time to genuinely understand and apply it. I have paired the elements of the framework with some of the scriptures that support them, but there are many other scriptures that could be added.

You can also check out our Resources section of the website for other organizations with a great depth of material on this subject.

1 – Earn Money: Develop a skill and work hard to generate income.

  • Colossians 3:23 – Work willingly at whatever you do, as though you were working for the Lord rather than for people.
  • Proverbs 6:9-11 – But you, lazybones, how long will you sleep? When will you wake up? 10 A little extra sleep, a little more slumber, a little folding of the hands to rest— 11 then poverty will pounce on you like a bandit; scarcity will attack you like an armed robber.

2 – Control Spending:  Set a budget that matches your income and stick to it in order to control spending. This budget should include short term “monthly expenses” but also saving ahead for long term expenses like a house, university education, future medical expenses, retirement, and contingency funds for the unknown.

  • Proverbs 6:6-8 – 6 Take a lesson from the ants, you lazybones. Learn from their ways and become wise! 7 Though they have no prince or governor or ruler to make them work, 8 they labor hard all summer, gathering food for the winter.

3 – Control Debt: Carefully consider any debt before committing.

  • Proverbs 22:7 – Just as the rich rule the poor, so the borrower is servant to the lender.
  • Romans 13:8 – Owe nothing to anyone—except for your obligation to love one another.

4 – Invest: Choose to invest your financial resources for growth. Don’t stuff your mattress with cash in hopes of avoiding risk.

  • Matthew 25:14-30 – Jesus teaches us through the parable of the talents. Click the link to read the scripture.
  • Ecclesiastes 11:1 – Send your grain across the seas, and in time, profits will flow back to you.

5 – Diversify Investments: Diversify investments to manage risks.

  • Ecclesiastes 11:2 – But divide your investments among many places, for you do not know what risks might lie ahead.

6 –Consider Carefully and Seek Wise Counsel: Whether choosing how you will earn income, how to control spending or debt, or how to invest to grow your finances you should carefully consider your strategy and seek wise counsel.

  • Proverbs 22:3 – A prudent person foresees danger and takes precautions. The simpleton goes blindly on and suffers the consequences.
  • Proverbs 15:22 – Plans go wrong for lack of advice; many advisers bring success
  • Proverbs 14:15 – Only simpletons believe everything they’re told! The prudent carefully consider their steps.

7 – Steward Your Financial Strategy: Once you establish your financial strategy you must periodically review and analyze all elements to ensure you are following it and it is effective. This applies to earning income, spending, debt, and investment.

  • Matthew 25:14-30 – Jesus teaches us through the parable of the talents not only that we should invest, but that a good steward periodically checks on the effectiveness of his investments and makes adjustments according to their performance.

8 – Ethics: Following God’s instruction in how we manage our finances is more important than the actual dollars themselves.

  • Proverbs 22:1 – Choose a good reputation over great riches; being held in high esteem is better than silver or gold.
  • Proverbs 22:5 – Corrupt people walk a thorny, treacherous road; whoever values life will avoid it.
  • Ecclesiastes 12:13 – That’s the whole story. Here now is my final conclusion: Fear God and obey his commands, for this is everyone’s duty.

9 – Do Not Be Greedy: To those who love money, they will never have enough. Money is a tool to serve God and to support yourself and your family. The draw to “get rich quick” brings much risk.

  • 1 Timothy 6:10 –  For the love of money is the root of all kinds of evil. And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.
  • Ecclesiastes 5:10 – Those who love money will never have enough. How meaningless to think that wealth brings true happiness!

10 – Store Up Treasure in Heaven

  • Matthew 6:20 – Store your treasures in heaven, where moths and rust cannot destroy, and thieves do not break in and steal.
  • 2 Corinthians 9:7 –  You must each decide in your heart how much to give. And don’t give reluctantly or in response to pressure. “For God loves a person who gives cheerfully.”
  • Proverbs 22:9 – Blessed are those who are generous, because they feed the poor

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

Control Debt, Control Spending, False Teaching, Generate Income, Investing, Optimizing Life, Parables, Plan Carefully and Seek Wise Advice

The Way of a Fool Is Right In His Own Eyes

We should be careful to listen to God’s advice. Those who wish to become wise, who love knowledge, must accept discipline and correction… must recognize that others may have more wisdom in some areas than ourselves. That is how we learn and get better.

Proverbs 12:1 and 15

1Whoever loves discipline loves knowledge,
But he who hates reproof is stupid.

 15The way of a fool is right in his own eyes,
But a wise man is he who listens to counsel.

If you are not humble enough to acknowledge that others may have wise input worthy to consider, that you may have made or be making mistakes than you will continue to make mistakes.

Be humble. Seek wisdom. Accept correction from God and from others. Learn from it. Grow in wisdom.

These fundamentals apply to all aspects of life… and certainly to all aspects of managing your finances. There are great examples of public organizations or private advisors that can help. Most people even have others around them that may have good input.

For a few examples, please visit our resources section of our website.

Resources

Our mission is to help you. We provide the Resources section of GrowGodsMoney.org to help provide you with greater depth of resources by referring you to high quality organizations that have a lot of great content or provide a financial service (e.g. broker for investments).

We do not get paid by these organizations for referrals. We do not “compete” with these institutions, but rather see ourselves as part of the body of Christ in connecting you with helpful resources they already provide.

If there are resources you would like to recommend or give us feedback on, please send us information from the Contact Us page.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

False Teaching, Optimizing Life, Plan Carefully and Seek Wise Advice

What Is Love?

People put a lot of focus and money into highly marketed holidays like Valentine’s Day, but should we? Is a man-made holiday really ever a reason to make major financial purchases you would not otherwise make? I think the answer is very intuitive when the question is phrased this way. No, we should not let marketing and man-made holidays dictate when we make major purchases. Love is not about how much money you spend on someone or what you give them on a designated day of the year. That is not God’s definition of love at all.

We are sharing an article posted by our sister site, HearingFromJesus.org.

What is love? This is a very old question with many answers. Context is important. We may “love pizza”, but that is different than when we say we “love our spouse”. Today, the world even steals the word “love” as a replacement for “sex”, which is completely incorrect. These are certainly not the same meaning. Greek, the language in which the New Testament was largely written, had multiple different words for different types of love. In English, we have one word and we must therefore pay close attention to context.

Many put a lot of time and focus into the highly marketed cultural holiday of Valentine’s Day. Candy makers will tell you that you must buy chocolates to show you love your spouse. Greeting card makers insist you must “care to send the very best” and thus spend $5 or more on a card, and send one to everyone you know. Flowers are a must, right? But now they even sell gold dipped flowers. Wow. Of course, not to be outdone, Jewelers insist that you are a buffoon if you don’t buy diamonds for that special someone in your life. Once company even suggests you should buy from them a new luxury car. We do well to remember that this is marketing intended to sell things and get our money. This is not how God tells us to show love to one another.

God calls us to show love to one another daily, not once a year, or on a few annual special occasions!

1 Corinthians 13

The Excellence of Love

      1If I speak with the tongues of men and of angels, but do not have love, I have become a noisy gong or a clanging cymbal. 2If I have the gift of prophecy, and know all mysteries and all knowledge; and if I have all faith, so as to remove mountains, but do not have love, I am nothing. 3And if I give all my possessions to feed the poor, and if I surrender my body to be burned, but do not have love, it profits me nothing.

      4Love is patient, love is kind and is not jealous; love does not brag and is not arrogant, 5does not act unbecomingly; it does not seek its own, is not provoked, does not take into account a wrong suffered, 6does not rejoice in unrighteousness, but rejoices with the truth; 7bears all things, believes all things, hopes all things, endures all things.

      8Love never fails; but if there are gifts of prophecy, they will be done away; if there are tongues, they will cease; if there is knowledge, it will be done away. 9For we know in part and we prophesy in part; 10but when the perfect comes, the partial will be done away. 11When I was a child, I used to speak like a child, think like a child, reason like a child; when I became a man, I did away with childish things. 12For now we see in a mirror dimly, but then face to face; now I know in part, but then I will know fully just as I also have been fully known. 13But now faith, hope, love, abide these three; but the greatest of these is love.

If you want to give a gift, and it is wisely within your budget to do so, go ahead. But don’t do so because you “have to” or are “expected to”.  These gifts mean little and will ultimately have a very limited impact if you do not show love the way God tells us to. Often times just giving gifts on designated marketing holidays comes to be expected and not appreciated as much. If you choose to give an expensive gift, don’t do it because it is Valentines Day. Consider intentionally giving it at some other time besides the widely marketed holidays for an even greater impact.

Warning… when you make changes in how you celebrate these marketing holidays, discuss it openly with your spouse ahead of time! Don’t surprise someone by not giving them something they already expect from years of habit.

When you are ready to truly grow in maturity, turn towards God’s definition of love and begin showing it today to those you love. No warning necessary. They will greatly appreciate how you treat them. However, you may consider sharing the scripture with your spouse and helping one another as you both make the effort to shift focus from the world’s definition of love to God’s.

You can also ask yourself, if I am celebrating love, would it not be right to celebrate loving God as well as loving one another? And to come in thanksgiving to Him for all the love He has shown, shows, and will show us? If we are to focus on love in the Biblical sense, Valentine’s Day just does not match up very well at all. If you explore the origins of this celebration you will find that once again the Catholic church embraced this festival, but it was based first on a pagan celebration. As followers of Christ, we are better off not letting these pagan holidays dictate how we show love for our spouse or loved ones. Instead, love people the way God teaches.

(World Religion News: Pagan origin of Valentines day)

One last parting thought… we can love YHWH and love others because He has first shown me love. Yeshua died for us to make a way for us to be forgiven our sins.

John 15:12-13

      12“This is My commandment, that you love one another, just as I have loved you. 13“Greater love has no one than this, that one lay down his life for his friends.

The best way to show love for one another is through how we treat one another every day of the year.

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Remember that all you have belongs to God. Manage your money God’s way and use it for His glory rather than your own. Visit GrowGodsMoney.org .

Blessing or Curse, False Teaching, Treasures In Heaven

How Shall We Share with Others?

Many today imagine that a strong federal government that takes from the “rich” and redistributes that to the “poor” is consistent with the sharing of the community of believers in Acts chapter 4. This is quite simply not the case as there are a number of key distinctions we shall cover in this teaching.

Acts 4:32-37

Sharing among Believers

      32And the congregation of those who believed were of one heart and soul; and not one of them claimed that anything belonging to him was his own, but all things were common property to them. 33And with great power the apostles were giving testimony to the resurrection of the Lord Jesus, and abundant grace was upon them all. 34For there was not a needy person among them, for all who were owners of land or houses would sell them and bring the proceeds of the sales 35and lay them at the apostles’ feet, and they would be distributed to each as any had need.

      36Now Joseph, a Levite of Cyprian birth, who was also called Barnabas by the apostles (which translated means Son of Encouragement), 37and who owned a tract of land, sold it and brought the money and laid it at the apostles’ feet.

Note that the community of believers in Acts 4 was just that… a community of believers or followers of Jesus Christ. It was not a community involving those who rejected Jesus and lived according to their own desires. They were filled with the Holy Spirit and abundant grace was upon them.  Those who rejected the values and teachings of Jesus were not part of this community. This fact is crucial in understanding why this approach worked for the Acts 4 community but has failed every time a government has tried to employ forced redistribution of wealth amongst its people throughout time.

Socialism and communism repeatedly fail. Capitalism is not a perfect system, but it gives rise to the most prosperity across a population. Even within a somewhat capitalist system, such as the current situation in the USA, the government interference in constantly taking money from some to give to others results in a burden that threatens to collapse the economic success of the nation.

Why? When a strong government forces redistribution amongst its people, inevitably the government is also denying God’s authority so as to assert its own authority as unchallenged. Further, it includes all manner of people, not just Spirit-filled believers. In this, the selfish nature of the unbeliever (and many believers who are struggling to follow Christ fully) is the downfall of these systems. Many people choose not to work or not to work as hard because it does not benefit them personally. On the other hand, in true capitalism, that same selfish nature is channeled across the population to create business, jobs, and wealth. It lifts the economic well-being of the whole nation.

For a sharing community to truly work, it must be centered on Christ and include only true followers of Jesus Christ. Those who choose not to work, choose not to eat. All work together to contribute as much as they can and take as little as they absolutely need.

2 Thessalonians 3:6-15

      6Now we command you, brethren, in the name of our Lord Jesus Christ, that you keep away from every brother who leads an unruly life and not according to the tradition which you received from us. 7For you yourselves know how you ought to follow our example, because we did not act in an undisciplined manner among you, 8nor did we eat anyone’s bread without paying for it, but with labor and hardship we kept working night and day so that we would not be a burden to any of you; 9not because we do not have the right to this, but in order to offer ourselves as a model for you, so that you would follow our example. 10For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either. 11For we hear that some among you are leading an undisciplined life, doing no work at all, but acting like busybodies. 12Now such persons we command and exhort in the Lord Jesus Christ to work in quiet fashion and eat their own bread. 13But as for you, brethren, do not grow weary of doing good.

      14If anyone does not obey our instruction in this letter, take special note of that person and do not associate with him, so that he will be put to shame. 15Yet do not regard him as an enemy, but admonish him as a brother.

In the community of Spirit-filled believers in Acts, the poor people were likely not acting selfishly any more than the rich. So we can assume they took only what they needed and worked to provide what they could to help others. It can also be deduced that everyone that had money did not sell all their possessions and give away the money or there would be no source of recurring income to support the community. Where would they meet at a church? How would they find shelter?

Lastly, we must never forget or overlook that it was a community receiving the abundant grace and blessing of God because they honored Him through proclaiming and following the teaching of Jesus Christ!

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .

 

Control Debt, Control Spending, Diversification, Ethics, False Teaching, Generate Income, Greed, Guiding Framework, Parables, Plan Carefully and Seek Wise Advice, Saving, Speculative Investment, Stewardship, Treasures In Heaven

How Is Financial Planning Like the Super Bowl?

The Super Bowl is considered by many to be one of the most important sporting events in the world each year. Many from around the world tune in to watch it even if “their team” did not make it to the final game. Much time and preparation is spent certainly by the teams in preparing for the game, but even by many spectators and fans around the world as they prepare parties and tailgating and other such events to watch the game.

Many people spend more time preparing for, watching, and then talking about the Super Bowl then they actually spend preparing their personal financial strategies. One could spend a little time reflecting on which will ultimately be more important for each of us… but we quickly conclude that perhaps we should spend a little more time planning our finances, even if we have to wait until the big game is over and behind us.

Financial planning may not sound like much fun, so let’s try to make it a bit more interesting. In some ways it is like preparing for the Super Bowl.  Without good planning and execution, you will never win. “Luck” or “winging it” is just not good enough to carry you to victory. Proper preparation for a Super Bowl victory begins before the season every starts.

Start with the end in mind. Teams don’t just show up in training camp with the intent to “play football”… if they do, they do not win very much. They must define success and goals along the way to evaluate their performance in moving toward that success. Winning teams come into the season planning to play for the Super Bowl rings! They don’t just plan to play catch and throw and suddenly find themselves in the Super Bowl. There is short term sacrifice for long term success.

Similarly, for our financial planning you must define what success looks like for you. Define your personal goals and steward progress toward them. Think big! Do not limit yourself to simply having money for earthly things, but also to store up treasure in heaven. How you view your success will strongly influence how you play the game!

Define your goals… define success.

  • Matthew 6:20-21 – 20“But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; 21for where your treasure is, there your heart will be also.
  • 2 Corinthians 9:7 –  7Each one must do just as he has purposed in his heart, not grudgingly or under compulsion, for God loves a cheerful giver.
  • Proverbs 22:9 –   9He who is generous will be blessed, For he gives some of his food to the poor.

Steward your progress toward those goals and make adjustments when called for. If something is not working as you expected, do not be afraid to consider making “in game” adjustments to your game plan.

  • In Matthew 25:14-30, Jesus teaches us through the parable of the talents that a good steward periodically checks on the effectiveness of his efforts and makes adjustments according to their performance.

With every game there are rules. If you do not know the rules and play by them, you will likely not do well on the field. Penalties for failing to follow the rules can ruin your game. In finances, as with most of life’s challenges, God has laid out the rules for us in the Bible. Know what God says about how we should treat others and how we should conduct our earthly affairs. It is also true that man has added some rules, called laws, as well. We should heed both sets of rules.

  • Proverbs 22:1 – 1A good name is to be more desired than great wealth, Favor is better than silver and gold.
  • Proverbs 22:5 – 5Thorns and snares are in the way of the perverse; He who guards himself will be far from them.
  • Ecclesiastes 12:13-14 – 13The conclusion, when all has been heard, is: fear God and keep His commandments, because this applies to every person. 14For God will bring every act to judgment, everything which is hidden, whether it is good or evil.

Plan carefully and seek wise counsel. Do you ever see a winning Super Bowl coach who did not have a staff of assistant coaches… advisors? The head coach makes the final decisions, but the good ones listen to the advice of others and weigh carefully in their decisions the counsel of others.  Surround yourself with bad counselors and you will fail.

  • Proverbs 22:3 – 3The prudent sees the evil and hides himself, But the naive go on, and are punished for it.
  • Proverbs 15:22 – 22Without consultation, plans are frustrated, But with many counselors they succeed.
  • Proverbs 14:15 –   15The naive believes everything, But the sensible man considers his steps.

To win at any level, you should carefully evaluate your gear… your tools. In football, you need the right shoes, gloves, helmet, pads, ball, etc. In financial planning, the tools you use (or don’t) are also important. They can be of great help or set you up to underperform your abilities. We recommend you visit our Resources section of our website to find some organizations we recommend that provide helpful tools to assist you in “elevating your game”… to be more effective and successful in planning and managing your finances.

It is important to focus on fundamentals to excel. No team will win the Super Bowl on trick plays and misdirection if they do not also have strong foundation in executing the fundamentals well.

Super Bowl Champions do not start with trick plays and 80 yard touchdown plays as their foundational strategy and neither should you in your financial planning.  Avoid greed… assuming you can win with a few big plays… a few high risk investments that are “sure to pay out”. You may want to put a few in as diversification, but don’t put yourself in a position to win or lose solely on “making the big play” over and over again. To those who love money, they will never have enough. Money is a tool to serve God and to support yourself and your family. The draw to “get rich quick” brings much risk.

  • 1 Timothy 6:10 –  10For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.
  • Ecclesiastes 5:10 – 10He who loves money will not be satisfied with money, nor he who loves abundance with its income. This too is vanity.

Let’s talk more about your Offense (e.g. earning money) . Offense wins games. Your offensive stars:

  •  Hard work and a great attitude are a formidable pair. Develop a skill and work hard to generate income.
    • Colossians 3:23 – 23Whatever you do, do your work heartily, as for the Lord rather than for men,
    • Proverbs 6:9-11 – 9How long will you lie down, O sluggard? When will you arise from your sleep? 10“A little sleep, a little slumber, A little folding of the hands to rest”— 11Your poverty will come in like a vagabond And your need like an armed man.
  • Invest your financial resources for growth. Don’t stuff your mattress with cash in hopes of avoiding risk.
    • Matthew 25:14-30 – Jesus teaches us through the parable of the talents. Click the link to read the scripture.
    • Ecclesiastes 11:1 –   1Cast your bread on the surface of the waters, for you will find it after many days.
  • Diversify investments to manage risks.
    • Ecclesiastes 11:2 – 2Divide your portion to seven, or even to eight, for you do not know what misfortune may occur on the earth.

Finally… Defense wins championships! No one can win unless they can stop the other team from scoring. Similarly, no one can earn enough money to win the game if they spend like drunken sailors. Just consider government spending, which almost always outpaces essentially unlimited income from taxes – it is never enough to satisfy those in government. Defense requires discipline.

  • Control spending.  Set a budget that matches your income and stick to it in order to control spending. This budget should include short term “monthly expenses” but also saving ahead for long term expenses like a house, university education, future medical expenses, retirement, and contingency funds for the unknown.
  • Control debt. Carefully consider any debt before committing.
    • Proverbs 22:7 – 7The rich rules over the poor, And the borrower becomes the lender’s slave.
    • Romans 13:8 –  8Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.
  • Save money. Save for known expenses and for unknown. Save for today, and save to have money to invest tomorrow.
    • Proverbs 6:6-8 –  6Go to the ant, O sluggard, Observe her ways and be wise, 7Which, having no chief, Officer or ruler, 8Prepares her food in the summer And gathers her provision in the harvest.

Perhaps with a little less fanfare, do not forget Special Teams. They may not affect every down, but they can make the difference in a win or a loss. Prepare for long term expenses such as buying a car, paying off a house, paying for college education, preparing for retirement. To be successful, you must prepare for these things in advance… you can not wait until the special teams is on the field to start planning !

One last piece of advice for your game plan in financial planning… even with the best game plan, you can’t win if you don’t start playing the game! Don’t wait for the “perfect” time to get started.

Ecclesiastes 11:4 – 4He who watches the wind will not sow and he who looks at the clouds will not reap.

(If you are too worried about the clouds and winds to start preparing the fields and planting the crops… waiting for perfect conditions… you will not have a harvest. The perfect time never comes. Look only for a good or appropriate time to get started.)

Hope you enjoyed reading as much as I enjoyed writing it. If you prefer a “non-football” version, please review our Guiding Framework.

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Remember that all you have belongs to God. Manage your money God’s way. Visit GrowGodsMoney.org .