Category Archives: Treasures In Heaven

Control Spending, Generate Income, Greed, Stewardship, Taxes, Treasures In Heaven

Does God Require Us to Donate Money to Support Those in Full-Time Service to Him?

There can be a debate about whether or not the tithe is still required. Separately, one can ask, “If we pay a tithe, do we have to pay it to the church?” There are arguments on both sides. We could have these debates, and if done based on scripture, they could be significant discussions. If done based on our emotions or the tradition of men, they have significantly less value.

Perhaps the more significant question is not “Am I required to tithe to those serving God?”, but rather “Is it pleasing to God?” We can also explore the perspective of one who would be accepting such donations.

I am going to start by focusing on scripture from Paul in 2 Corinthians 11.

2 Corinthians 11:7-9

     7Or did I commit a sin in humbling myself so that you might be exalted, because I preached the gospel of God to you without charge? 8I robbed other churches by taking wages from them to serve you; 9and when I was present with you and was in need, I was not a burden to anyone; for when the brethren came from Macedonia they fully supplied my need, and in everything I kept myself from being a burden to you, and will continue to do so.

I do not claim this is authoritative for every situation, but rather very interesting to note. Paul accepted money when it was offered, but did not require it or pressure people to give to him just because he was preaching the gospel to them.  Those that gave to Paul arguably were not giving to the “church” as we think of it today. That would have been tithing to the Levites at this time. If they had only tithed to the Levites, Paul would not have received financial support. Neither would any of Jesus’ disciples or Jesus Himself in His earthly ministry.

It is probably worth highlighting at this time that Jesus accepted donations from supporters. We know from the biblical record of the money found in the mouth of a fish and the miracles of the loaves and fishes that Jesus could have simply made His own money. He set an example by accepting support from others. That said, I have not found any scripture where He passed around a collection plate during His teaching and asked for money either. He did not appear to make it a focus of His ministry to ask for donations.

 Luke 8:1-3

1Soon afterward, Jesus began going around from one city and village to another, proclaiming and preaching the kingdom of God. The twelve were with Him, 2and also some women who had been healed of evil spirits and sicknesses: Mary who was called Magdalene, from whom seven demons had gone out, 3and Joanna the wife of Chuza, Herod’s steward, and Susanna, and many others who were contributing to their support out of their private means.

If we look back to the Torah (first 5 books of the Bible), we can see how the LORD provided for the Levites. He did not give directly to them an inheritance as He did for other tribes. He instructed others to provide for them.

Numbers 35:1-5

Cities for the Levites

     1Now the LORD spoke to Moses in the plains of Moab by the Jordan opposite Jericho, saying, 2“Command the sons of Israel that they give to the Levites from the inheritance of their possession cities to live in; and you shall give to the Levites pasture lands around the cities. 3“The cities shall be theirs to live in; and their pasture lands shall be for their cattle and for their herds and for all their beasts.

      4“The pasture lands of the cities which you shall give to the Levites shall extend from the wall of the city outward a thousand cubits around. 5“You shall also measure outside the city on the east side two thousand cubits, and on the south side two thousand cubits, and on the west side two thousand cubits, and on the north side two thousand cubits, with the city in the center. This shall become theirs as pasture lands for the cities.

I believe God is pleased when His people choose to support those He calls into full-time ministry. Some of us will serve Him in business roles (e.g. Daniel, Moses, Abraham, Jacob, many of the people were farmers, etc.). However, some will be missionaries and pastors and Biblical teachers and these may need the support of the community of believers as a means for God to provide for them.

I would encourage these individuals to also consider the example of Paul and work in such a way as not to be a burden to others. They can provide sometimes for their own needs or be modest in what they spend. One receiving donations from hard-working people should not be flying in private jets unless they earned that money in another way aside from donations.

Keep in mind that Moses turned away donations that were made when they were in excess of what was required. It was not his goal to get personal wealth from donations from the people.

Exodus 36:3-7

 3They received from Moses every [g]contribution which the sons of Israel had brought to perform [h]the work [i]in the construction of the sanctuary. And they still continued bringing to him [j]voluntary offerings every morning. 4And all the [k]skillful people who were performing all the work of the sanctuary came, each from [l]the work which they were performing, 5and they said to [m]Moses, “The people are bringing much more than enough for the [n] construction work which the LORD commanded us to [o]perform.” 6So Moses issued a command, and circulated a [p]proclamation throughout the camp, saying, “No man or woman is to perform work any longer for the [q]contributions of the sanctuary.” So the people were restrained from bringing any more. 7For the [r]material they had was sufficient and more than enough for all the work, to perform it.

Do not let your own selfishness or greed stop you from making provision for those whom He calls to His service. Give joyfully. Give generously. However, I also encourage you to give wisely. Do not assume your job is to simply write a big check to the local church. That is not a very active way to steward what He has provided you. Remember, it all belongs to Him… He has just entrusted some of His things to us to manage and enjoy.

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

Stewardship, Taxes, Treasures In Heaven

You Shall Take in Proportion to What They Received

Many people have many opinions, and strong ones, regarding who should pay taxes and how much and also in regards to appropriate or “required” giving levels to the church. God gives us some insight into how He approaches the topic in relation to how He provides for the Levites. Recognize there is not a direct comparison between the Levites and the government we experience today, but this may be interesting to explore some Biblical principles of how the LORD instructs to take money from the people for a common purpose.

Numbers 35:6-8

     6“The cities which you shall give to the Levites shall be the six cities of refuge, which you shall give for the manslayer to flee to; and in addition to them you shall give forty-two cities. 7“All the cities which you shall give to the Levites shall be forty-eight cities, together with their pasture lands. 8“As for the cities which you shall give from the possession of the sons of Israel, you shall take more from the larger and you shall take less from the smaller; each shall give some of his cities to the Levites in proportion to his possession which he inherits.”

Everyone pays something, even those with less. Those with more, pay more… in proportion to what they receive. This sounds like a fixed percentage… e.g. everyone gives 10% or something like that. Also, note that this was to provide for those in God’s service who would not otherwise “earn income” because they are devoted to Him. Nowhere in this scripture is YHWH telling anyone to give part of what they receive to others who should be able and willing to work their own inheritance. Note that this is not a call to take 50% from those who have more and only 10% from those who have less. Everything is in proportion. It is also not a call to take 50% from those with more and nothing from those with less. Everyone gives a portion.

This is largely consistent with the concept of the tithe, which is presented elsewhere in the Biblical text. One can draw two focus areas from this…one is how we vote and get involved with the government to manage taxes “fairly” and appropriately. This also ties into our attitude when we pay taxes. The other is how we willingly and joyfully choose to give to support those in God’s full-time service. By providing them income, they can work full time focused on serving the Lord in their calling. We can, however, also appreciate missionaries like Paul who worked to pay their own way and did not make themselves a burden on those they taught.  Considering that the Levites are no longer here and there is not a Biblical command that necessarily automatically translates from the Levitical priesthood to the local churches of today. We must consider context and principles to understand how it applies.

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

Treasures In Heaven

Those Who Are Truly Thankful Give Above What Is Required

The Lord provided great victory for the Israelites over the Midianites which is recorded in Numbers 31. They knew this victory could only be from the Lord. They were victorious because they obeyed the Lord. In victory, they similarly obeyed the Lord in dividing the booty according to His instruction.

Starting in verse 48, we see that those who were truly grateful to the LORD for the victory gave more than was asked. They gave above and beyond in thanks to God.

Numbers 31:25-54

Division of the Booty

     25Then the LORD spoke to Moses, saying, 26“You and Eleazar the priest and the heads of the fathers’ households of the congregation take a count of the booty that was captured, both of man and of animal; 27and divide the booty between the warriors who went out to battle and all the congregation. 28“Levy a tax for the LORD from the men of war who went out to battle, one in five hundred of the persons and of the cattle and of the donkeys and of the sheep; 29take it from their half and give it to Eleazar the priest, as an offering to the LORD. 30“From the sons of Israel’s half, you shall take one drawn out of every fifty of the persons, of the cattle, of the donkeys and of the sheep, from all the animals, and give them to the Levites who keep charge of the tabernacle of the LORD.” 31Moses and Eleazar the priest did just as the LORD had commanded Moses.

      32Now the booty that remained from the spoil which the men of war had plundered was 675,000 sheep, 33and 72,000 cattle, 34and 61,000 donkeys, 35and of human beings, of the women who had not known man intimately, all the persons were 32,000.

      36The half, the portion of those who went out to war, was as follows: the number of sheep was 337,500, 37and the LORD’S levy of the sheep was 675; 38and the cattle were 36,000, from which the LORD’S levy was 72; 39and the donkeys were 30,500, from which the LORD’S levy was 61; 40and the human beings were 16,000, from whom the LORD’S levy was 32 persons. 41Moses gave the levy which was the LORD’S offering to Eleazar the priest, just as the LORD had commanded Moses.

      42As for the sons of Israel’s half, which Moses separated from the men who had gone to war— 43now the congregation’s half was 337,500 sheep, 44and 36,000 cattle, 45and 30,500 donkeys, 46and the human beings were 16,000— 47and from the sons of Israel’s half, Moses took one drawn out of every fifty, both of man and of animals, and gave them to the Levites, who kept charge of the tabernacle of the LORD, just as the LORD had commanded Moses.

      48Then the officers who were over the thousands of the army, the captains of thousands and the captains of hundreds, approached Moses, 49and they said to Moses, “Your servants have taken a census of men of war who are in our charge, and no man of us is missing. 50“So we have brought as an offering to the LORD what each man found, articles of gold, armlets and bracelets, signet rings, earrings and necklaces, to make atonement for ourselves before the LORD.” 51Moses and Eleazar the priest took the gold from them, all kinds of wrought articles. 52All the gold of the offering which they offered up to the LORD, from the captains of thousands and the captains of hundreds, was 16,750 shekels. 53The men of war had taken booty, every man for himself. 54So Moses and Eleazar the priest took the gold from the captains of thousands and of hundreds, and brought it to the tent of meeting as a memorial for the sons of Israel before the LORD.

We should ask ourselves… even if we obey by giving to the Father what He asks from us, how often do we bring extra gifts just out of a joyful and thankful heart? It may be money, it may be time, it may be our talents… but how often do we give back to Him more than He asks? Indeed He provides all we have. Let us be joyful and thankful.

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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 .

Control Debt, Control Spending, Generate Income, Greed, Investing, Optimizing Life, Treasures In Heaven

Contentment Is Essential for Financial Success

Financial success is not to be measured against an absolute standard of money earned or by comparison of net worth to others. There is always someone with more money. Financial success is achieved by matching our resources to our needs and desires while we humbly live for God and serve others. Finding contentment rather than coveting what others have is essential for finding this success. Then we are free to find our joy through relationship with Jesus Christ, who promises never to desert us.

Ecclesiastes 3:12 I know that there is nothing better for them than to rejoice and to do good in one’s lifetime;

Hebrews 13:5 Make sure that your character is free from the love of money, being content with what you have; for He Himself has said, “I WILL NEVER DESERT YOU, NOR WILL I EVER FORSAKE YOU,”

The United States of America is a wealthy nation. By global standards even many considered to have low income in the USA are relatively wealthy. Despite this relative wealth, most consider themselves to be living day-to-day or month-to-month. They genuinely feel that they are barely getting by. There is insufficient planning for the future, insufficient savings and little investment. There is much coveting and little contentment.

We could double the money everyone is earning, and I dare say the broad results would be largely unchanged. Many people would have more stuff they want (and do not need) but would be no better prepared for the future and still be unsatisfied because they don’t know how to be content.

For those who cannot find contentment with what they have, they may never have enough. There is always the potential to have more. The ability or willingness to be content provides a foundation for satisfaction in achieving personal success.

Of course, contentment should not be confused as an endorsement to be lazy. Instead, in proper context, contentment provides important balance in managing your work hours required to generate income, controlling spending and debt, in how you select your investing strategies… and opens wide the door toward giving to others and serving God.

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

Greed, Optimizing Life, Treasures In Heaven

Seek First His Kingdom Rather Than Your Own

When we truly seek and listen to Jesus, our view on the world will often get turned upside down. Man so commonly thinks that if I take care of my finances first, I can tackle anything else that comes my way. It is easy to focus on money first and put family or God on the backburner without even doing so on purpose. It just sort of happens gradually. Most of us never really set up even a steady target of what is “enough”. Those who make money, can make more and keep pursuing it.

Jesus calls us to seek first His kingdom rather than our own. By putting Him first, all else will be put in its rightful place.

Luke 12:13-34

Covetousness Denounced

     13Someone in the crowd said to Him, “Teacher, tell my brother to divide the family inheritance with me.” 14But He said to him, “Man, who appointed Me a judge or arbitrator over you?” 15Then He said to them, “Beware, and be on your guard against every form of greed; for not even when one has an abundance does his life consist of his possessions.” 16And He told them a parable, saying, “The land of a rich man was very productive. 17“And he began reasoning to himself, saying, ‘What shall I do, since I have no place to store my crops?’ 18“Then he said, ‘This is what I will do: I will tear down my barns and build larger ones, and there I will store all my grain and my goods. 19‘And I will say to my soul, “Soul, you have many goods laid up for many years to come; take your ease, eat, drink and be merry.”’ 20“But God said to him, ‘You fool! This very night your soul is required of you; and now who will own what you have prepared?’ 21“So is the man who stores up treasure for himself, and is not rich toward God.”

      22And He said to His disciples, “For this reason I say to you, do not worry about your life, as to what you will eat; nor for your body, as to what you will put on. 23“For life is more than food, and the body more than clothing. 24“Consider the ravens, for they neither sow nor reap; they have no storeroom nor barn, and yet God feeds them; how much more valuable you are than the birds! 25“And which of you by worrying can add a single hour to his life’s span? 26“If then you cannot do even a very little thing, why do you worry about other matters? 27“Consider the lilies, how they grow: they neither toil nor spin; but I tell you, not even Solomon in all his glory clothed himself like one of these. 28“But if God so clothes the grass in the field, which is alive today and tomorrow is thrown into the furnace, how much more will He clothe you? You men of little faith! 29“And do not seek what you will eat and what you will drink, and do not keep worrying. 30“For all these things the nations of the world eagerly seek; but your Father knows that you need these things. 31“But seek His kingdom, and these things will be added to you. 32“Do not be afraid, little flock, for your Father has chosen gladly to give you the kingdom.

      33“Sell your possessions and give to charity; make yourselves money belts which do not wear out, an unfailing treasure in heaven, where no thief comes near nor moth destroys. 34“For where your treasure is, there your heart will be also.

This is a challenging principle, but a very important one. Ask God to help you focus on putting Him first, ahead of finances. Trust in Him to provide everything else according to His judgment.

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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 .

Greed, Optimizing Life, Treasures In Heaven

For What Is a Man Profited if He Gains the Whole World, and Loses or Forfeits Himself?

From time to time, I hear people quoting famous money managers or people in business, such as Warren Buffet. These nuggets of wisdom can be valuable. How much more valuable to hear from our LORD and King on our financial strategy! However, sometimes the advice is a bit different than we expect to hear…

Luke 9:25

25“For what is a man profited if he gains the whole world, and loses or forfeits himself?

This is a simple statement, but how true to help us keep our ultimate goals in perspective. How about another one for those of us who are convinced we can capture all we dream of by making money?

Luke 9:24

    24“For whoever wishes to save his life will lose it, but whoever loses his life for My sake, he is the one who will save it.

Some will dismiss it as nonsense because they do not have eyes to see. However, for those of us whom the Holy Spirit guides we can see much more in this statement. We must lay down our own selfish desires and plans and submit to Christ. By submitting to Him we will find true life through Christ.

John 14:6

6Jesus said to him, “I am the way, and the truth, and the life; no one comes to the Father but through Me.

If we strive and struggle to save our live… our desires and plans… our vision for life… then we will lose it, chasing all the wrong things.

Psalm 46:10

10“Cease striving and know that I am God;
I will be exalted among the nations, I will be exalted in the earth.”

Let us put Christ first. Putting Him first means we will choose sometimes the path that is difficult in this wicked world. We must “pick up our cross daily and follow [Jesus]”. The cross was hard, brutal in fact, but above all, selfless and devoted to the Father’s will.

Luke 9:23-27

    23And He was saying to them all, “If anyone wishes to come after Me, he must deny himself, and take up his cross daily and follow Me. 24“For whoever wishes to save his life will lose it, but whoever loses his life for My sake, he is the one who will save it. 25“For what is a man profited if he gains the whole world, and loses or forfeits himself? 26“For whoever is ashamed of Me and My words, the Son of Man will be ashamed of him when He comes in His glory, and the glory of the Father and of the holy angels. 27“But I say to you truthfully, there are some of those standing here who will not taste death until they see the kingdom of God.”

Let us proclaim our love for Him and His love for us. Let us not be ashamed of Him before men. There are serious consequences to this. Jesus, Himself, says He will deny before the Father those who deny Him before men. Don’t rush over that statement. Pause on it and reflect. Are you acknowledging Jesus publicly and broadly? or are you silent, trying not to offend those who reject Him?

Let us put Christ first rather than all the things that the world tells us to chase, even when it seems hard.

Matthew 6:33

33“But seek first His kingdom and His righteousness, and all these things will be added to you.

Truly what good is it to have all the selfish desire we may want in this world… to succeed beyond the wildest imagination of the worldly… if we lose our relationship with Christ and end up without Him in this world and eternity beyond?

Luke 9:25

25“For what is a man profited if he gains the whole world, and loses or forfeits himself?

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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 .

Ethics, Greed, Optimizing Life, Plan Carefully and Seek Wise Advice, Treasures In Heaven

What Guidance Does God Provide for Finances?

God has a lot to say about wisdom and folly, righteousness and wickedness in His word. Proverbs, in particular, is filled with wisdom that applies as much today as it did when Solomon wrote it thousands of years ago. Human nature has not changed and neither has application of God’s word for how we are to deal with our fellow man.

Let us explore some of what God has said in Proverbs 11 that pertains to finances. I have included a link to reference to the whole scripture but pulled out some selected verses that are more directly relevant to finances. We can walk through them together.

Proverbs 11

1A false balance is an abomination to the LORD,
But a just weight is His delight.

God clearly calls us to be treat one another as we would want to be treated. Be just and fair. Note the emphasis revealed through scripture… God is not just academically identifying right and wrong, but actually considers one an abomination and the other to bring delight! It matters to God and thus it should matter to us.

2When pride comes, then comes dishonor,
But with the humble is wisdom.

Let us not act in such a way as to honor ourselves or make ourselves feel better than others, but rather seek humility and seek to honor the Lord and treat others with respect.

3The integrity of the upright will guide them,
But the crookedness of the treacherous will destroy them.

Knowing and following God’s way provides a clear path to righteousness. Temptation of the flesh often tempts us to go the way of the world, but God wants us to live His way. When we pursue deceit and treachery, it will consume us and we will find no lasting satisfaction or joy.

4Riches do not profit in the day of wrath,
But righteousness delivers from death.

There is no amount of riches that will mean anything when it is time for us to leave this world and face judgment before God. Only our right relationship with God will matter. Why give that up just to try to get a few dollars more or even a lot of dollars more?

5The righteousness of the blameless will smooth his way,
But the wicked will fall by his own wickedness.

6The righteousness of the upright will deliver them,
But the treacherous will be caught by their own greed.

In business as in life, a righteous lifestyle of godly attitudes and behavior will take us closer to God and bring much success. Greed is an empty pit which can never be filled, it will consume you and dominate your life if left unchecked or worse, embraced.

14Where there is no guidance the people fall,
But in abundance of counselors there is victory.

In personal finances, whether budgeting or reducing debt or investing, do not try to do it all alone as if you have all the answers. Seek good counselors to help you! Seek firm guidance from God and those who have already experienced and overcome the challenges you face today.

15He who is guarantor for a stranger will surely suffer for it,
But he who hates being a guarantor is secure.

It is unwise to be a guarantor for someone you do not know. How can you trust them? Do not lend what you are not willing to give.

17The merciful man does himself good,
But the cruel man does himself harm.

18The wicked earns deceptive wages,
But he who sows righteousness gets a true reward.

Show mercy to others as you would like to receive yourself. Avoid cruelty. Treat others as you would like to be treated. You may think you get ahead with deceit and wicked schemes, but it brings much emptiness and trouble along with the ill-gotten gain.

24There is one who scatters, and yet increases all the more,
And there is one who withholds what is justly due, and yet it results only in want.

25The generous man will be prosperous,
And he who waters will himself be watered.

26He who withholds grain, the people will curse him,
But blessing will be on the head of him who sells it.

Be generous in helping others and give the glory to God. Bless others in His name and watch as the blessings flow into your own life. The blessings will almost surely outweigh what you gave, though it is not necessarily dollars that God gives you but rather joy and closer relationship with Him!

28He who trusts in his riches will fall,
But the righteous will flourish like the green leaf.

Trust not in money and wealth, but in God, Himself, and you will flourish.

It is not right or helpful to say “I was born this way” as an excuse to continue in wickedness or foolishness. To remain in foolishness does not improve our situation, does it? It does not help us manage our money or our lives more effectively, does it?

We are all born to sin and selfishness. No one needs to teach a child to grab or demand something for themselves or hit someone when they are angry, but we certainly need to teach them to forgive and share and think of others. We can say that an alcoholic may be born with a tendency to become addicted to alcohol but do we not encourage them to turn from it and overcome that sin rather than embrace it and accept it? Of course! So it is also with other sins.

We must be careful to look to God’s definition of sin, of right and wrong, rather than the world’s definition. If we follow a broken compass, will we not get lost?

Each of us must decide if we will take the difficult, narrow path that leads to Jesus or if instead we will stay on the wide, easy path that leads to eternal separation from God… following our own selfish desires and the deception of Satan.

I pray as many as will hear the good news of the gospel of Jesus Christ will accept it and travel the narrow path.

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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 .

Treasures In Heaven

How We Give Is a Reflection of What We Value

God does not need our money. It is not because He needs to buy something that He calls us to give. He calls us to give, and give generously, to challenge us to pursue God wholeheartedly. How we give is a reflection of what we value. We are to seek first the kingdom of God, rather than pursue money as priority.

Mark 12:41-44

The Widow’s Mite

      41And He sat down opposite the treasury, and began observing how the people were putting money into the treasury; and many rich people were putting in large sums. 42A poor widow came and put in two small copper coins, which amount to a cent. 43Calling His disciples to Him, He said to them, “Truly I say to you, this poor widow put in more than all the contributors to the treasury; 44for they all put in out of their surplus, but she, out of her poverty, put in all she owned, all she had to live on.”

Jesus did not measure the gift by the absolute value of the coins. Instead, He valued it by the sacrifice and therefore the reflection of the heart and its priority seeking God over self.

If you have much, ask yourself if you are giving only from surplus or truly honoring God with what you have. You do not need to go give away everything you have… if you do that how can you continue to help others as you find them in need. However, challenge yourself to test your heart and your attitude as you choose to give to help others in a way that honors God.

If you have little, remember that God appreciates and deeply values when you give from your poverty to help others or serve Him. There is no such thing as “too little a gift to make a difference”. God knows all and appreciates the gift and your sacrifice.

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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 .

Optimizing Life, Treasures In Heaven

Can You Find True Peace Through Wealth?

Managing our finances wisely according to God’s word is a very good thing, but we should take care to never put our faith in our finances. We can only find true peace by placing our faith in God.

Luke 12:16-32

16And He told them a parable, saying, “The land of a rich man was very productive. 17“And he began reasoning to himself, saying, ‘What shall I do, since I have no place to store my crops?’ 18“Then he said, ‘This is what I will do: I will tear down my barns and build larger ones, and there I will store all my grain and my goods. 19‘And I will say to my soul, “Soul, you have many goods laid up for many years to come; take your ease, eat, drink and be merry.”’ 20“But God said to him, ‘You fool! This very night your soul is required of you; and now who will own what you have prepared?’ 21“So is the man who stores up treasure for himself, and is not rich toward God.”

      22And He said to His disciples, “For this reason I say to you, do not worry about your life, as to what you will eat; nor for your body, as to what you will put on. 23“For life is more than food, and the body more than clothing. 24“Consider the ravens, for they neither sow nor reap; they have no storeroom nor barn, and yet God feeds them; how much more valuable you are than the birds! 25“And which of you by worrying can add a single hour to his life’s span? 26“If then you cannot do even a very little thing, why do you worry about other matters? 27“Consider the lilies, how they grow: they neither toil nor spin; but I tell you, not even Solomon in all his glory clothed himself like one of these. 28“But if God so clothes the grass in the field, which is alive today and tomorrow is thrown into the furnace, how much more will He clothe you? You men of little faith! 29“And do not seek what you will eat and what you will drink, and do not keep worrying. 30“For all these things the nations of the world eagerly seek; but your Father knows that you need these things. 31“But seek His kingdom, and these things will be added to you. 32“Do not be afraid, little flock, for your Father has chosen gladly to give you the kingdom.

Many prepare financially for their anticipated days in their earthly life and may even plan for some expenses associated with death and burial. They make considerations for those who will survive them. They put their faith in their money. However, the most important planning is not for expenses related to our death, but for where we will go thereafter… either to Heaven or Hell and to what legacy we leave in regards helping others and leading others to Heaven (or Hell) with us. What treasure are we storing up in heaven? In this regard, plan wisely and act now.

Matthew 6:19-21
19 “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. 20 But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; 21 for where your treasure is, there your heart will be also.

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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 .

Diversification, Proverbs, Speculative Investment, Treasures In Heaven

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 .