Category Archives: Proverbs

Resist When Sinners Entice You

There are right ways to increase your wealth and wrong ways. The truth of what is right and wrong is not determined by whether or not you gain money but rather by the standards God has provided us in His written word. It is better to be poor in finances and walk with God than to be rich in finances and live without Him.

Proverbs 1:8-19

The Enticement of Sinners

      8Hear, my son, your father’s instruction
And do not forsake your mother’s teaching;

      9Indeed, they are a graceful wreath to your head
And ornaments about your neck.

      10My son, if sinners entice you,
Do not consent.

      11If they say, “Come with us,
Let us lie in wait for blood,
Let us ambush the innocent without cause;

      12Let us swallow them alive like Sheol,
Even whole, as those who go down to the pit;

      13We will find all kinds of precious wealth,
We will fill our houses with spoil;

      14Throw in your lot with us,
We shall all have one purse,”

      15My son, do not walk in the way with them.
Keep your feet from their path,

      16For their feet run to evil
And they hasten to shed blood.

      17Indeed, it is useless to spread the baited net
In the sight of any bird;

      18But they lie in wait for their own blood;
They ambush their own lives.

      19So are the ways of everyone who gains by violence;
It takes away the life of its possessors.

Many people profess that they can help you on a path to having more money. Not all of the paths are righteous according to God’s standards. Choose carefully with the Bible as your guide. Pray and ask the Holy Spirit to help you make the right choices, even when the situation seems dire and there may seem to be no easy way out.

It is better to be poor and dwell with God than to be rich and dwell without Him. Even in matters of life and death, it is better to choose the path that leads to heaven than the one that leads to hell… no matter what earthly wealth you may be promised in order for you to take the wrong path.

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

In Whom Do You Put Your Trust for Finances?

If we are honest with ourselves, most of us would admit that at one time or another in our lives we have struggled to put our faith in God regarding how we should approach our personal finances. We may place our faith in a stock broker or career counselor or in our own ability to work hard in order to find our way, but often we overlook the wisdom God has provided in His written word, the Bible.  If we put our faith in God and seek and then follow the wisdom He has revealed through scripture we will surely not regret it!

Proverbs 3

5Trust in the LORD with all your heart
And do not lean on your own understanding.

6In all your ways acknowledge Him,
And He will make your paths straight.

7Do not be wise in your own eyes;
Fear the LORD and turn away from evil.

8It will be healing to your body
And refreshment to your bones.

9Honor the LORD from your wealth
And from the first of all your produce;

10So your barns will be filled with plenty
And your vats will overflow with new wine.

11My son, do not reject the discipline of the LORD
Or loathe His reproof,

12For whom the LORD loves He reproves,
Even as a father corrects the son in whom he delights.

13How blessed is the man who finds wisdom
And the man who gains understanding.

14For her profit is better than the profit of silver
And her gain better than fine gold.

15She is more precious than jewels;
And nothing you desire compares with her.

16Long life is in her right hand;
In her left hand are riches and honor.

17Her ways are pleasant ways
And all her paths are peace.

18She is a tree of life to those who take hold of her,
And happy are all who hold her fast.

As I reflect on this scripture today, I would always encourage you to click through to read the whole chapter of scripture… that is why I provide the link. However, I have pulled out a portion of it to comment on in this article.

A key decision we must make as we approach any element of our lives, including finances, is the following question…

“In whom do I place my trust for wisdom in this area of my life?”

Increasingly I have come to the conclusion that our trust should first and foremost be put in God and His word for all aspects of our lives, even the details of our lives associated with personal finance. Yes, we can also study and consult with others, but we must have a good standard against which to judge their specific advice. Scripture in the Bible and Proverbs in particular provides a very helpful absolute standard that can serve as our guide for evaluating our decisions.

By following God’s wisdom we will find wealth greater than silver, gold, or jewels and yet also find great advice to help us increase in our finances as well.

Answer for yourself today… “In whom do I put my trust for my personal finances?” Prayerfully consider this question and do not quickly answer. Consider how you work to generate income, how you manage spending, and how much you give to provide for the needs of others. If someone were trying to convict you of being a Christian in a court of law… would there be enough evidence, based on how you manage your finances, to convict you?

Humbly consider what changes you should make to submit more fully to God’s wisdom and guidance in regard to your finances.

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

Start Investing In 5 Steps

For those of you who have established consistent income, a budget to control spending, gotten debt under control, established at least an emergency savings fund that is easily available to you in case you need it, and have money available in addition to that… you may be ready to consider investing.

Now you find yourself asking a common question:

“How do I get started investing my money?”

1- Establish your personal goals.

Before you start investing you should spend time clearly defining (and writing down) the objectives you are trying to accomplish.  Are you planning for college expenses for your children? a house?  retirement?

Defining your goals and writing them down helps to clarify for yourself what you are trying to accomplish with any investment, and it will help you make reasonable choices in investing to accomplish your goals.

2- Decide if you prefer to work with a professional investment advisor or go it alone.

If you work with an advisor, remember that they have other motives besides just your best interest (e.g. getting paid) and not all look out for you the way they should.  On the other hand, many of us are not prepared to invest effectively and wisely without a professional to help give us input and guidance. You are your own chief investment advisor. They provide helpful counsel, but you make the decisions. Consider verifying by researching online or meeting with more than one professional advisor separately and comparing notes.

With or without an advisor, you really need to do some homework to understand how to make good decisions.

3- Diversify your portfolio to manage risk and potential gain.

For example, let’s consider two cases:

Jack wants to invest and prepare for retirement. He is starting early and has time on his side. Jack wants to limit his risk exposure for his investment losing value and will be satisfied with a moderate return on investment.

Joe has a higher risk tolerance and is willing to consider more risk to achieve higher return on investment.

Diversify your portfolio consistent with your personal goals and personality. You need to be comfortable with your investment decisions. If you are nervous or lacking in confidence you may make poor decisions when unexpected events happen (e.g. 2008/09 stock market crash) and may make poor decisions. If you had a lot of your portfolio in U.S. stocks and then sold when the market bottomed instead of riding it out… you are really hurting.

4- Get Started.

Do not wait until you have perfect clarity on exactly what you will need to spend 20 years from now or more.  Do not be discouraged from starting because you think you do not have enough to make it worthwhile. Even if you are starting small, you are going to gain knowledge and experience along the way.

Set aside some designated funds to start investing toward your objectives. Open an account at a reputable broker or financial institution. Begin the investing journey.

5- Steward your investments regularly.

Verify your portfolio is on track to deliver your objectives. Make adjustments as needed consistent with changes in your plans or the performance of the investments. Continue on a schedule of investing additional funds consistent with your long-term goals.

Do not be afraid to admit you made a mistake and get out of an investment, if warranted. Establish conditions ahead of time that would indicate when you should exit an investment if it does not go well. Our human tendency is to hold on to our bad investment decisions too long hoping for them to turn around.

If you are uncomfortable getting started, begin with a small investment that you are not afraid to lose. Invest wisely and you will soon see a return on investment that will encourage you and give you more confidence.

Remember, choosing not to invest is also a decision… and it may cost you a lot of lost opportunity to grow your money over time.

Bring your finances and investments before God and ask for wisdom and blessing. Seek Him in all you do, and He will make straight your path.

Proverbs 3:5-10

5Trust in the LORD with all your heart
And do not lean on your own understanding.

6In all your ways acknowledge Him,
And He will make your paths straight.

7Do not be wise in your own eyes;
Fear the LORD and turn away from evil.

8It will be healing to your body
And refreshment to your bones.

9Honor the LORD from your wealth
And from the first of all your produce;

10So your barns will be filled with plenty
And your vats will overflow with new wine.

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

 

Choose Your Own (Financial) Adventure – But Do So Wisely

I remember as a child reading a style of book that was called a “choose your own adventure” book. This style of kids’ book has a basic story line with several outcomes for each situation the characters encounter based on which choices you as the reader make for them. For example… if in the story the main character faces a choice to go into a cave or continue in the forest… the reader chooses and turns next to the page that continues the story based on that decision. The outcome is different based on the choice the reader makes.

The same is true in life. Yes, for each of us there are some preset assumptions for our adventure… who our parents are, where we are born, what value system we are taught, etc. However, we each have the opportunity to make choices for ourselves that influence the outcome of our personal story. This is true whether or not we choose to admit that we are making decisions that matter. Do we get up and find a job? Do we work hard? Do we show love to others? Do we obey God?

We make decisions every day. It is just that we at times overlook the importance of how even our seemingly daily, “small” decisions influence the outcome of our life.

I used to think it would be helpful to have a guide to help me choose wisely as each situation came up in those choose your own adventure books. What if I had a map that showed which choices led to success and which to destruction? Wouldn’t that be great! It would help me navigate to the best possible outcome for whatever story I was in.

While no one made a guide or map for the choose your own adventure books, God did in fact provide a guide for helping us in our everyday life decisions while we deal with other people and with God. Of course this includes managing our finances wisely!

While the Bible as a whole provides much value and insight here, Proverbs in particular comes to mind as providing lots of specific applications of wisdom for how we make our daily decisions. Many of the Proverbs are laid out in such a way as to contrast righteousness and wisdom to wickedness. We do well to study Proverbs consistently and apply it as God intended as the guide to help us navigate our lives to the best possible outcome.

Do not think of scripture as something old and out of date. Instead, think of it as part of an instruction manual that God has given you… yes you, specifically… for your life. Read it as if God meant for you to use it in making your daily decisions, because He did!

I always encourage you to click the link and read the whole scripture, but I have highlighted some verses in the article that have more applicability for finances specifically.

Proverbs 17

Contrast the Upright and the Wicked

      1Better is a dry morsel and quietness with it
Than a house full of feasting with strife.

2A servant who acts wisely will rule over a son who acts shamefully, and will share in the inheritance among brothers.

5He who mocks the poor taunts his Maker; he who rejoices at calamity will not go unpunished

10A rebuke goes deeper into one who has understanding than a hundred blows into a fool.

12Let a man meet a bear robbed of her cubs, rather than a fool in his folly.

18A man lacking in sense pledges and becomes guarantor in the presence of his neighbor.

23A wicked man receives a bribe from the bosom to pervert the ways of justice.

At first glance, perhaps some of these may not be clear in regards to finances. Take time to dwell on them. Verse 10 and 12 strike me of very applicable to those of us who may make mistakes with our finances from time to time. Someone who wishes to help us may rebuke our unwise choices and we should take care to keep pride at bay and remain humble enough to receive their correction, even if they don’t say it in the nicest way. We will be the benefactor of the message if we do. Similarly, let us not be the fool trapped in his own folly once we have made a poor decision on finances. Be willing to admit a mistake and get out of it, even if at a loss. This could apply to overextending our debt by buying too big a home or too expensive cars and doing so on debt instead of saving ahead. The interest could cost you dearly. It could apply to investing in stocks when we make a poor choice and have a losing position.

10A rebuke goes deeper into one who has understanding than a hundred blows into a fool.

12Let a man meet a bear robbed of her cubs, rather than a fool in his folly.

Take time to really reflect on each of the verses in today’s article. Think of situations and decisions you are facing today in your life. Which verses in today’s reading is God putting on your heart to apply in your life to help you make the right decisions?

God may also show you through His word some examples of where you handled a situation well, even if the outcome was not what you wanted… thank Him for the encouragement!

Continue to study and apply the wisdom contained in Proverbs to specific issues in your life. Use the wisdom God provides to help your find the best outcome based on choices you make that  influence your own personal adventure in life!

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

A Light to Guide My Path

We have probably all experienced a time when we are in true darkness. Perhaps camping in the woods on a very cloudy night? Maybe just in our house when the power goes out at night or we wake up at night and walk around the house without turning lights on so as not to disturb our family. Sometimes we can start to remember our way around if it is familiar circumstances… but how well do we do when there are unexpected obstacles (e.g. toys left out in pathways, etc.) or imagine if someone rearranged all the furniture! Usually we will not do well. We will trip or fall or gather bumps and bruises. It is really hard to get around without being able to see where we are going… to recognize clearly what are the obstacles that could hurt us and which is the safe path to travel.

That is why God has given us the Bible! What a glorious gift to His people to have His written instruction book for life. If we choose to use it, it serves to light up our path so we can safely find the right path for living and avoid the traps and obstacles that could hurt us.

Psalm 119:105

105Your word is a lamp to my feet
And a light to my path.

Proverbs in particular serves to provide timeless wisdom for us in how we should deal with our fellow man and also with God whether or not we are focused on finances or more broadly at life in general. It reminds us of what is good and what is bad. Remember, true goodness is that which is identified by God as right, not that which is identified by man as right. Man often gets it wrong. That is why God wrote it down!

Read Proverbs often, and not as if you are trying to win a race for reading quickly but rather pausing and considering how each verse is relevant not only in life today, but specifically how it may apply to your life. Then allow yourself the humility to admit where you are wrong and work to change your behavior and attitude. Those who are too proud to admit they are wrong, never get the benefit of learning to do better.

Proverbs 16

Contrast the Upright and the Wicked

       1The plans of the heart belong to man,
But the answer of the tongue is from the LORD.

      2All the ways of a man are clean in his own sight,
But the LORD weighs the motives.

      3Commit your works to the LORD
And your plans will be established.

      4The LORD has made everything for its own purpose,
Even the wicked for the day of evil.

      5Everyone who is proud in heart is an abomination to the LORD;
Assuredly, he will not be unpunished.

      6By lovingkindness and truth iniquity is atoned for,
And by the fear of the LORD one keeps away from evil.

      7When a man’s ways are pleasing to the LORD,
He makes even his enemies to be at peace with him.

      8Better is a little with righteousness
Than great income with injustice.

      9The mind of man plans his way,
But the LORD directs his steps.

      10A divine decision is in the lips of the king;
His mouth should not err in judgment.

      11A just balance and scales belong to the LORD;
All the weights of the bag are His concern.

      12It is an abomination for kings to commit wicked acts,
For a throne is established on righteousness.

      13Righteous lips are the delight of kings,
And he who speaks right is loved.

      14The fury of a king is like messengers of death,
But a wise man will appease it.

      15In the light of a king’s face is life,
And his favor is like a cloud with the spring rain.

      16How much better it is to get wisdom than gold!
And to get understanding is to be chosen above silver.

      17The highway of the upright is to depart from evil;
He who watches his way preserves his life.

      18Pride goes before destruction,
And a haughty spirit before stumbling.

      19It is better to be humble in spirit with the lowly
Than to divide the spoil with the proud.

      20He who gives attention to the word will find good,
And blessed is he who trusts in the LORD.

      21The wise in heart will be called understanding,
And sweetness of speech increases persuasiveness.

      22Understanding is a fountain of life to one who has it,
But the discipline of fools is folly.

      23The heart of the wise instructs his mouth
And adds persuasiveness to his lips.

      24Pleasant words are a honeycomb,
Sweet to the soul and healing to the bones.

      25There is a way which seems right to a man,
But its end is the way of death.

      26A worker’s appetite works for him,
For his hunger urges him on.

      27A worthless man digs up evil,
While his words are like scorching fire.

      28A perverse man spreads strife,
And a slanderer separates intimate friends.

      29A man of violence entices his neighbor
And leads him in a way that is not good.

      30He who winks his eyes does so to devise perverse things;
He who compresses his lips brings evil to pass.

      31A gray head is a crown of glory;
It is found in the way of righteousness.

      32He who is slow to anger is better than the mighty,
And he who rules his spirit, than he who captures a city.

      33The lot is cast into the lap,
But its every decision is from the LORD.

Many like to believe they are in control of their own life, but we are not in control of our lives. We can influence our path and choose how we react to the unexpected. Truly, the most impactful thing we can do is to submit to God and seek to follow His instructions for how to live our lives. We can seek relationship with Him, obey Him, and then trust in Him even through the tough times.

I recognize I have not focused this article on what is specific to finances, but if you read the scripture carefully, it speaks volumes in regards to how we work hard to earn money, treat people while we earn money, submit to God as priority over our money, recognize God’s sovereignty over our situations, etc. There is much to harvest and all we must do is humble ourselves in submission to the Lord and seek His wisdom and then seek His help to apply it in our lives.

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

God’s Word Provides Warnings and Advice We Should Heed

Our Father loves us dearly. He has provided us with His word to guide us, His Spirit to fill us and help us, and the death of His Son to make a way to forgive us. Let us never take that for granted, being complacent in our own way of living according to the ways of the world. The world if sinful and not righteous. Let us take His fatherly advice and change how we are living to be more like He instructs for us in financial matters and in all aspects of our life.

Proverbs contains insight we should watch out for and apply in our lives. Its insight is timeless and speaks to our conduct in pursuit of financial matters and wealth and integrity and many other such considerations.

Proverbs 19

On Life and Conduct

1Better is a poor man who walks in his integrity
Than he who is perverse in speech and is a fool.

2Also it is not good for a person to be without knowledge,
And he who hurries his footsteps errs.

3The foolishness of man ruins his way,
And his heart rages against the LORD.

4Wealth adds many friends,
But a poor man is separated from his friend.

5A false witness will not go unpunished,
And he who tells lies will not escape.

6Many will seek the favor of a generous man,
And every man is a friend to him who gives gifts.

7All the brothers of a poor man hate him;
How much more do his friends abandon him!
He pursues them with words, but they are gone.

8He who gets wisdom loves his own soul;
He who keeps understanding will find good.

9A false witness will not go unpunished,
And he who tells lies will perish.

10Luxury is not fitting for a fool;
Much less for a slave to rule over princes.

11A man’s discretion makes him slow to anger,
And it is his glory to overlook a transgression.

12The king’s wrath is like the roaring of a lion,
But his favor is like dew on the grass.

13A foolish son is destruction to his father,
And the contentions of a wife are a constant dripping.

14House and wealth are an inheritance from fathers,
But a prudent wife is from the LORD.

15Laziness casts into a deep sleep,
And an idle man will suffer hunger.

16He who keeps the commandment keeps his soul,
But he who is careless of conduct will die.

17One who is gracious to a poor man lends to the LORD,
And He will repay him for his good deed.

18Discipline your son while there is hope,
And do not desire his death.

19A man of great anger will bear the penalty,
For if you rescue him, you will only have to do it again.

20Listen to counsel and accept discipline,
That you may be wise the rest of your days.

21Many plans are in a man’s heart,
But the counsel of the LORD will stand.

22What is desirable in a man is his kindness,
And it is better to be a poor man than a liar.

23The fear of the LORD leads to life,
So that one may sleep satisfied, untouched by evil.

24The sluggard buries his hand in the dish,
But will not even bring it back to his mouth.

25Strike a scoffer and the naive may become shrewd,
But reprove one who has understanding and he will gain knowledge.

26He who assaults his father and drives his mother away
Is a shameful and disgraceful son.

27Cease listening, my son, to discipline,
And you will stray from the words of knowledge.

28A rascally witness makes a mockery of justice,
And the mouth of the wicked spreads iniquity.

29Judgments are prepared for scoffers,
And blows for the back of fools.

Take time and dwell on each verse. Which one or two strike you the most as relevant in your life. Pray the Lord helps you to deal with this area of your life and continue your transformation to be more like Him!

Do not misunderstand the point about poverty and riches relating to “friends”. It is a warning that if you are rich, many will claim to be your friend and try to use you. The poor know who truly are their friends and brothers. They stick with them even when there is nothing in it for them.

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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 .

The Teaching of the Wise Is the Fountain of Life

There is stark contrast between the upright and the wicked. We are not talking “shades of gray”. Meditate on the guidance offered by our Creator in Proverbs 13 in regards to managing your finances. Pray for His help and guidance to lead you down the right path. Apply this wisdom to your financial considerations in life in how you act, in whom you put your trust, in how you teach your children, in how you treat others, etc.

Proverbs 13

Contrast the Upright and the Wicked

1A wise son accepts his father’s discipline,
But a scoffer does not listen to rebuke.

2From the fruit of a man’s mouth he enjoys good,
But the desire of the treacherous is violence.

3The one who guards his mouth preserves his life;
The one who opens wide his lips comes to ruin.

4The soul of the sluggard craves and gets nothing,
But the soul of the diligent is made fat.

5A righteous man hates falsehood,
But a wicked man acts disgustingly and shamefully.

6Righteousness guards the one whose way is blameless,
But wickedness subverts the sinner.

7There is one who pretends to be rich, but has nothing;
Another pretends to be poor, but has great wealth.

8The ransom of a man’s life is his wealth,
But the poor hears no rebuke.

9The light of the righteous rejoices,
But the lamp of the wicked goes out.

10Through insolence comes nothing but strife,
But wisdom is with those who receive counsel.

11Wealth obtained by fraud dwindles,
But the one who gathers by labor increases it.

12Hope deferred makes the heart sick,
But desire fulfilled is a tree of life.

13The one who despises the word will be in debt to it,
But the one who fears the commandment will be rewarded.

14The teaching of the wise is a fountain of life,
To turn aside from the snares of death.

15Good understanding produces favor,
But the way of the treacherous is hard.

16Every prudent man acts with knowledge,
But a fool displays folly.

17A wicked messenger falls into adversity,
But a faithful envoy brings healing.

18Poverty and shame will come to him who neglects discipline,
But he who regards reproof will be honored.

19Desire realized is sweet to the soul,
But it is an abomination to fools to turn away from evil.

20He who walks with wise men will be wise,
But the companion of fools will suffer harm.

21Adversity pursues sinners,
But the righteous will be rewarded with prosperity.

22A good man leaves an inheritance to his children’s children,
And the wealth of the sinner is stored up for the righteous.

23Abundant food is in the fallow ground of the poor,
But it is swept away by injustice.

24He who withholds his rod hates his son,
But he who loves him disciplines him diligently.

25The righteous has enough to satisfy his appetite,
But the stomach of the wicked is in need.

I urge you to consider Proverbs 13 as truly relevant to your life and decisions today. Think of this wisdom like a handy checklist and use it often for evaluating your behavior and making decisions. Don’t rely on your own “gut feel” or judgment… we are not as wise as we think. Rely instead, on the guidance that God has already provided to contrast the righteous from the wicked.

Proverbs 3:5-7

5Trust in the LORD with all your heart
And do not lean on your own understanding.

6In all your ways acknowledge Him,
And He will make your paths straight.

7Do not be wise in your own eyes;
Fear the LORD and turn away from evil.

—-

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

Fatherly Advice from God

Our Father loves us dearly. He has provided us with His word to guide us, His Spirit to fill us and help us, and the death of His son to make a way to forgive us. Let us never take that for granted, being complacent in our own way of living according to the ways of the world. The world if sinful and not righteous. Let us take His fatherly advice and change how we are living to be more like He instructs for us.

Proverbs 19

On Life and Conduct

       1Better is a poor man who walks in his integrity
Than he who is perverse in speech and is a fool.

2Also it is not good for a person to be without knowledge,
And he who hurries his footsteps errs.

3The foolishness of man ruins his way,
And his heart rages against the LORD.

4Wealth adds many friends,
But a poor man is separated from his friend.

5A false witness will not go unpunished,
And he who tells lies will not escape.

6Many will seek the favor of a generous man,
And every man is a friend to him who gives gifts.

7All the brothers of a poor man hate him;
How much more do his friends abandon him!
He pursues them with words, but they are gone.

8He who gets wisdom loves his own soul;
He who keeps understanding will find good.

9A false witness will not go unpunished,
And he who tells lies will perish.

10Luxury is not fitting for a fool;
Much less for a slave to rule over princes.

11A man’s discretion makes him slow to anger,
And it is his glory to overlook a transgression.

12The king’s wrath is like the roaring of a lion,
But his favor is like dew on the grass.

13A foolish son is destruction to his father,
And the contentions of a wife are a constant dripping.

14House and wealth are an inheritance from fathers,
But a prudent wife is from the LORD.

15Laziness casts into a deep sleep,
And an idle man will suffer hunger.

16He who keeps the commandment keeps his soul,
But he who is careless of conduct will die.

17One who is gracious to a poor man lends to the LORD,
And He will repay him for his good deed.

18Discipline your son while there is hope,
And do not desire his death.

19A man of great anger will bear the penalty,
For if you rescue him, you will only have to do it again.

20Listen to counsel and accept discipline,
That you may be wise the rest of your days.

21Many plans are in a man’s heart,
But the counsel of the LORD will stand.

22What is desirable in a man is his kindness,
And it is better to be a poor man than a liar.

23The fear of the LORD leads to life,
So that one may sleep satisfied, untouched by evil.

24The sluggard buries his hand in the dish,
But will not even bring it back to his mouth.

25Strike a scoffer and the naive may become shrewd,
But reprove one who has understanding and he will gain knowledge.

26He who assaults his father and drives his mother away
Is a shameful and disgraceful son.

27Cease listening, my son, to discipline,
And you will stray from the words of knowledge.

28A rascally witness makes a mockery of justice,
And the mouth of the wicked spreads iniquity.

29Judgments are prepared for scoffers,
And blows for the back of fools.

Take time and dwell on each verse. Which one or two strike you the most as relevant in your life. Pray the Lord helps you to deal with this area of your life and continue your transformation to be more like Him!

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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 .

Better is a Dry Morsel In Peace, than a Feast With Strife

No better place to explore an amazing cache of Father’s financial advice than Proverbs. Read and reread it. Pause and consider it. Pray for the Spirit to enlighten your mind to understanding and application in your life. Do not simply read over it quickly and move on.

Proverbs 17

1Better is a dry morsel and quietness with it
Than a house full of feasting with strife.

2A servant who acts wisely will rule over a son who acts shamefully,
And will share in the inheritance among brothers.

3The refining pot is for silver and the furnace for gold,
But the LORD tests hearts.

18A man lacking in sense pledges
And becomes guarantor in the presence of his neighbor.

23A wicked man receives a bribe from the bosom
To pervert the ways of justice.

Dwell on these. Truly consider each one, one at a time. There is tremendous wisdom contained within… a Father’s gift to His children.

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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 .

Dive into Proverbs

I am a believer that everyone would do well to read through Proverbs on a recurring basis. Don’t read it once and walk away for years or even months. It is rich with very actionable advice and warnings to help us in life and often very specifically in finances.

Proverbs 14.

Fools often bring trouble on themselves, while the wise avoid it with a healthy fear and respect for the Lord.

1The wise woman builds her house,
But the foolish tears it down with her own hands.

2He who walks in his uprightness fears the LORD,
But he who is devious in his ways despises Him.

3In the mouth of the foolish is a rod for his back,
But the lips of the wise will protect them.

It is understandable to look for ways to save time and energy by reducing the work we need to do… but do not let laziness get in the way of your prospering. Some work is required if you are to do well financially.

4Where no oxen are, the manger is clean,
But much revenue comes by the strength of the ox.

Do not lie.

5A trustworthy witness will not lie,
But a false witness utters lies.

Seek understanding. This means you must be humble enough to admit you don’t already have all the answers. You must be willing to admit mistakes and learn. The scoffer mocks others rather than thoughtfully considering a situation and learning from it and thus finds no wisdom. Similarly, don’t hang out with fools or you will share their folly.

6A scoffer seeks wisdom and finds none,
But knowledge is easy to one who has understanding.

7Leave the presence of a fool,
Or you will not discern words of knowledge.

8The wisdom of the sensible is to understand his way,
But the foolishness of fools is deceit.

9Fools mock at sin,
But among the upright there is good will.

Seek God’s way rather than your own. He will lead you through righteousness to the path of life and joy.

10The heart knows its own bitterness,
And a stranger does not share its joy.

11The house of the wicked will be destroyed,
But the tent of the upright will flourish.

12There is a way which seems right to a man,
But its end is the way of death.

It is hard to know what someone is really going through or what journey God is leading them on by a quick glance or brief touchpoint. Plug in with those you love and truly engage in a personal way to encourage and support them. Often the Lord leads us to joy at the end of a painful journey.

13Even in laughter the heart may be in pain,
And the end of joy may be grief.

Those who follow after God find satisfaction, but those who go their own way will find empty and unfulfilling results.

14The backslider in heart will have his fill of his own ways,
But a good man will be satisfied with his.

God did not give us such a wonderful creation as a mind of a human just to “turn it off” and believe everything someone tells you. In a world full of evil and selfishness we do well to consider our steps carefully in reference to God’s word. If we choose to act as naïve, the sour results are as much our fault as those who take advantage of us.

15The naive believes everything,
But the sensible man considers his steps.

16A wise man is cautious and turns away from evil,
But a fool is arrogant and careless.

17A quick-tempered man acts foolishly,
And a man of evil devices is hated.

18The naive inherit foolishness,
But the sensible are crowned with knowledge.

God reassures us that ultimately the good will be rewarded and the wicked held accountable. We may not see or recognize how and when, but we can trust that it is so.

19The evil will bow down before the good,
And the wicked at the gates of the righteous.

Be aware of sinful human nature. Many will pretend to be friends with the rich for their own benefit. Few, and godly, are those who truly show God’s love to the poor.

20The poor is hated even by his neighbor,
But those who love the rich are many.

21He who despises his neighbor sins,
But happy is he who is gracious to the poor.

Devise good rather than evil. Do so out of motivation to glorify God and not out of your own self interest.

22Will they not go astray who devise evil?
But kindness and truth will be to those who devise good.

The lazy ultimately hold them selves accountable via their own poverty, whether or not they recognize it. It is not exclusively “someone else’s fault”. Work is required to prosper.

23In all labor there is profit,
But mere talk leads only to poverty.

The greatest prize for the wise is godly wisdom itself, rather than financial gain.

24The crown of the wise is their riches,
But the folly of fools is foolishness.

Again… don’t lie. God does not like it.

25A truthful witness saves lives,
But he who utters lies is treacherous.

It is actually healthy to have a reverence or even fear of God. Recognizing that displeasing Him is worse than displeasing men can help us stand in confidence to do what is right and avoid Satan’s traps.

26In the fear of the LORD there is strong confidence,
And his children will have refuge.

27The fear of the LORD is a fountain of life,
That one may avoid the snares of death.

Rulers and leaders of nations should treat their people well, for it is from their people that they derive their strength and power and prosper themselves. If the people collapse, the government has nothing.

28In a multitude of people is a king’s glory,
But in the dearth of people is a prince’s ruin.

To be slow to anger is to demonstrate a wise and godly trait and follow our Father’s example. It benefits us richly.

29He who is slow to anger has great understanding,
But he who is quick-tempered exalts folly.

Find peace and contentment in what God provides you. Do not always be chasing something you do not have and do not need.

30A tranquil heart is life to the body,
But passion is rottenness to the bones.

Again… the godly are gracious to the needy.

31He who oppresses the poor taunts his Maker,
But he who is gracious to the needy honors Him.

Again… the wicked will be held to account for their actions and the righteous rewarded.

32The wicked is thrust down by his wrongdoing,
But the righteous has a refuge when he dies.

Again… seek godly wisdom. Do not be content to remain a fool, even if deemed wise by the world.

33Wisdom rests in the heart of one who has understanding,
But in the hearts of fools it is made known.

Righteousness exalts a nation and sin disgraces it. Remember, however, that God defines what is righteous and what is sin. The people themselves do not get a vote or voice in it. If they redefine righteousness they do so at their own peril as a nation and will fool only themselves and like minded fools.

34Righteousness exalts a nation,
But sin is a disgrace to any people.

Be not ashamed of being a servant, whether to God or to an employer or to your family. Focus on acting wisely and pleasing your “master”.

35The king’s favor is toward a servant who acts wisely,
But his anger is toward him who acts shamefully.


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 .