The first step in a robust financial plan for your life is a careful consideration of how you will generate income. You cannot save or invest what you do not yet have.

It may seem simple, but many get it wrong. It is not as simple as targeting something that pays a lot of money or something that you love with a passion or an area where you have talent.  The best choice combines a balance of all three.

If you pick two of these three you may have mixed results. In my case I selected something I was good at and something that paid well… but not something I really enjoyed or thought had special value. You may end up satisfied with your pay, but will you be satisfied with your life? Happiness and joy matter in my personal guiding principles.

My recommendation is to carefully consider your options. Do not quickly select based on money alone… that is greed. If you pursue money and serve money you will never have enough. Likewise, do not select based on what you like alone. If you have no talent in that area you will not provide a reliable income. Instead choose something you enjoy, that you have some skill in, and that can also pay the bills. Then work hard at it to optimize the income for you in that field.

One other piece of advice I would recommend is to spend time in prayer and ask God what He wants for Your life. If you get a clear answer from Him, then it overrules the other considerations. Put your trust in Him and pursue where He leads you. Where you can, test what you think you hear from Him against the scriptures. He will not contradict Himself.

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