OUR CONFIDENCE

The Lord is my shepherd

I shall not be in want
He leads me beside quiet
waters
He restores my soul
He guides me in paths of
rigtheousness for
His names sake Psalms
23:!3
"urely goodness and
mer#y shall follow me all
the days of my life
$nd I will dwell in the
house of the Lord fore%er&
Psalms 23:'
Dear Team Leader and other Seminar Staff,
This module is produced out of a deep cry to God for
the financial freedom for vulnerable youths. Our
hearts have a holy indignation against poverty levels
that mock against their worth in im. is word is
very clear that !"GT#O$S%#SS &%D '$ST"(#
are the foundation of is T!O%#. )e are
considered a (hristian nation and must become a
people who mind what matters most to God even in
the area of livelihood. )e can not *ust watch
+hilippines shamed with "LL#G&L D!$G T!&D#,
("LD T!&,,"(-"%G, (./#!S#0, and other
subhuman trades in disguise of survival. )e *oin
God1s agenda for life and prosperity through +#&(#
and )OL#%#SS in im.
Godliness, inner transformation, and poverty
alleviation are vital components to attain T!$#
prosperity. )hen God blesses, e adds no sorrow to
it. is prosperity is alongside with peace and
wholeness in order for us to use wealth not only for
what we need in life but also for a higher purpose 2
to touch others. Thank you for working with us
through doing this seminar. )e remain grateful3
/en and 4al
Dear Students,
%o matter how deep the level of poverty is, God1s
means and boundaries for prosperity remain the
best. is rules on ac5uiring, spending, investing, and
saving wealth protect us from serious problems
connected to money. God is very much for our
prosperity because e wants us to use it for good
things. &longside with is provision for us, it is very
important that e values us more than any wealth in
this world. God wants us to be is resting place by
being the (enter of our lives in the midst of lack or
abundance. owever we need to understand and
*oin is way of fighting poverty or using prosperity. "t
is very sad that many people forget morality, destroy
relationships, break laws, get sick, and succumb to
other subhuman trades for the sake of money. "n the
end, they end up loosing their peace,integrity, and
even their lives because they got money from ways
outside God1s boundaries.
Thankfully, we have seen many people from difficult
circumstances prospered using principles taught in
God1s word. /y obeying these principles, we are so
e6cited that this can happen to you too3
Tito /en and Tita 4al
". Discover ow God 4iews
+rosperity and +overty
&. Ob*ectives
7. To be able to memori8e and understand at least
9 biblical principles regarding prosperity
:. To be able to site why poverty is not *ust a case
of vulnerability to in*ustice but mostly the lack of
ability to gather wealth through God1s blessing
;. To compare the abovementioned principles and
their personal or surrounding economic
conditions
/. <aterials
/ible, pink and blue = 0 > inch metacards
+entel pens, masking tape
(. Opening +rayer
Dear eavenly ,ather, we come before .ou in
prayer to give you the freedom to change the way
we think about prosperity and poverty. )e ask you
to completely destroy lies that we have believed
and replace them with .our principles. " also ask
.ou to release to all of us .our grace to apply them
in our lives and the faith to remain in the process
committed to achieve my goals using your
boundaries . )hen " have prospered already, make
us even hunger to be closer to you so we can use
wealth in for their purposes in .ou. "n 'esus1 name
we pray. &men
C.Lecturers Introduction:
)hat is prosperity?
Prosperity Is The Physical ani!estation O! The "lessin#
O! $od.
The Old Testament describes prosperity as a condition of
%halo& and %hale& @ meaning peace and wholeness
respectively. Those blessed by God e6perience Shalom and
those whose minds are faithfully fi6ed on God receive
wholeness@ double or perfect Shalom A"saiah :BC;D. owever
there is no Shalom for the wicked. A"saiah =>C::, 9EC:7D.
Shalom is thus the physical manifestation of peace and
wholeness that flows from the blessing of God upon the
righteous Athose who receive the Lordship and Salvation of
'esus (hristD. +eople who are in this state are often found to
have gladness in their hearts, the poor are taken care of out of
their bounty, there is *oy and singing and gladness of heart,
the commandments of God are kept and even taught to
others, the blessing of God is felt in every part of their lives
and FGod is in eaven and allGs right with the worldF.
D. "i'lical Principles on Prosperity
(.The Po)er To a*e +ealth co&es !ro& $od
"t is God who gave "srael the power to generate wealth.
ADeuteronomy >C7> %-'4DF&nd you shall remember the
LO!D your God, for it is e who gives you power to get
wealth.F
)ealth is generated by those who have the power to make
wealth. God rarely directly gives people money. !ather e
gives people the power to create wealth for themselves. &s
we shall see later Fthe power to get wealthF is given by God in
a specific way that is @ the righteous person receives wisdom
from God then diligently and ethically implements this wisdom
and it is this diligent wise and righteous implementation of
wisdom and knowledge that generates wealth.
,. Prosperity Flo)s To Those +ho Fear $od and -eep .is
Co&&and&ents The relationship to God is primary as it is
e who causes the blessings to flow and grants the power to
make wealth. Shalom includes relational peace as well as
financial prosperity for Fe causes even their enemies to be at
peace with themF A+roverbs 7BCED. The prosperity of the
righteous is stable and develops continually A+salm 7D. "t
continues even into old age when the normal power to make
wealth has departed. A+salm H:C7:@7=D and is a total
prosperity unalloyed by evil. A+roverbs 7IC:: %"4D FThe
blessing of the LO!D brings wealth, and he adds no trouble to
it.F The life course or FpathsF of God@fearing and the righteous
are Fmade smoothF and directed by God A+roverbs ;C9,B 7BC7@
;D and the fear of the Lord and humility bring wealth and
honour A+roverbs ::C=D. The urban (hristian agencies should
become the centre of economic renewal as the place where
people find righteousness and the blessing of God to change
their circumstances. "ntroduction to the transforming power of
(hrist and right relationship to God is the very basis of
Shalom. Proverbs 3:5,6; 33; 4:22; 5:21; 10:6,7,11,16,1722;
27; 11:16; 12:20,28; 13:21; 16:7;22:4, 28:10; 29:18
/.Prosperity Co&es To Those +ho %ee* +isdo& and
Understandin# )isdom results in righteousness AtsedekD and
peace AshalomD. )isdom is characterised by accepting
instruction from God and from the righteous and by a
readiness to be disciplined for oneGs good. )isdom acts
wisely in all aspects of life and the outcome is wealth, honour
and a long life. The opposite is folly which is our own proud,
stubborn and angry way of acting, independent of the wisdom
of others or of God. The result of this folly is sin, trouble and
turmoil. )isdom comes from God but is not e6clusively
spiritual. The instruction of the Lord can includeC
7. craftsmanship A#6odus ;7C;@9D,
:. selection of the most appropriate technology
A"saiah :>C:;@:HD
;.economic wisdom @'oseph in rationing during the famine.
AGenesis =7C:H@;>D was seen, even by +haraoh as being from
the Spirit of God. AGenesis =7C;>D.
)isdom comes at a human level through diligent in5uiry and
at a spiritual level through prayer so that #reat scientists
such as Ne)ton and Pascal )ere also &en o! prayer. "n
particular wisdom comes through the oly Spirit A"saiah
77C7,:J :>C:;@:HJ 7 'ohn :C:I,:EJ 7 (or :CH@7BD and cannot be
found in any earthly location like silver or gold can A'ob :>D.
)isdom and knowledge are vital to wealth creation especially
as we enter an information economy. & patent, a technological
edge, a better piece of software can be a powerful tool for
wealth creation. )isdom goes to those who seek her diligently
and transformation of urban communities needs to involve
assisting them in the search for the wisdom and knowledge
they need to be able to create wealth. Other verses includeC
Proverbs 3:1,2,6,13,16-18,22; 4:10,13,22,23,26; 8:18,32,34;
9:11; 11:14, 13:10,14; 14:30; 15:24; 16:20-22, 19:8; 20:15;
24:6.
0.Prosperity Co&es To Those +ho 1re Dili#ent
)isdom needs implementation in order to produce wealth and
prosperity. +roverbs :7C9 says KThe plans of the diligent
surely lead to abundance, but everyone who is hasty only
comes to wantL. Diligence takes wisdom and carefully and
energetically implements it to bring about prosperity. Diligence
and God1s blessing work together. )ithout diligence our
blessings are not implemented and the person remains poor.
God seems to believe in the saying KGive a man a fish and
you feed him for a day, teach a man to fish and you feed him
for a lifetimeL. The main way God imparts the ability to prosper
is by giving us the wisdom we need to succeed and
encouraging us to work hard. "t needs to be said that hard
work and diligence on their own are insufficient. "n the
absence of God1s blessing hard work will produce only
frustration and vanity 2 see the section on curses and
blessings.. +art of diligence is using the o6 to multiply your
effort using the powerful technology of the day. Other verses
includeC Proverbs 8:17, 10:4, 11:27, 12:24, 12:27, 13:4, 14:4;
21:5,
2.Prosperity Co&es Throu#h +ell Ordered Relationships
1nd 1ppropriate Personal "oundaries.
+roverbs is e6plicit about the following guide regarding
relationships. )e need to knowC
a. the kinds of relationships we are to develop
b. the kinds of relationships we are to avoid
c. how these relationships should be ordered
. &part from the relationship with God, there are
relationships of respect with Fthe -ingF representing
government and with parents. ,ilial relationships
include the brother and the neighbour and are to be
carefully maintained. There are general social
relationships such as with Fthe poorF who are to receive
help and compassion.
1&on# the &ost i&portant relationships are !a&ily
relationships )ith our )i!e3hus'and4 children and
parents )hich are to 'e ordered out o! !ear o! $od.
They are to 'e characterised 'y a proper order and
#odly si&plicity.
Discipline, honour and respect are common themes in
+roverbs. Our primary relationships are to be filled with
teaching and the imparting of wisdom. Generosity and
honesty are important 5ualities when dealing with
brothers and neighbours. )e also have relationships
with the (ity and the wise and righteous person is a
blessing to their society and is generally in turn
honoured by it. +ise co&&unication is seen as a
*ey to #ood relationships. The economic impact of
these relationships and the importance of appropriate
boundaries is illustrated over and over gain from a
person ruined because they angered the -ing or were
enticed by a harlot . Other people had reduced power
to make wealth because they employed a fool or
sluggard to their cost. "n particular relationships with
the wicked, the violent or the immoral are likely to
cause a severe loss of Shalom. +ersonal relationships
in the family have great impact on the power to
produce wealth @or in more modern terms a divorce is
e6pensive3 The good wife however is an economic
asset. A+roverbs ;7D. Going surety for a friend is
cautioned against and maintaining good boundaries is
seen as a path to prosperity. The power to make wealth
can be greatly increased withC
a. gracious speech
b. high 5uality of work
c. faithful service which brings the person to the
attention of the -ing and others with the power to
help A+roverbs 7=C;9, 7BC7;, ::C77,:HD.
"n urban ministry the building of empowered
community and business relationships, access to
government agencies and the restoration of primary
family relationships all contribute to the power to
generate wealth in the community.
Teachin# ur'an youth to &aintain Christian 'oundaries
and to a5oid the 5iolent street #an#s and illicit se6ual
relationships is not 7ust #ood health and &orality 8 it is
also #ood econo&ics.
+hile super!icially attracti5e these #an#s detract !ro& the
%halo& o! the co&&unity and se5erely li&it the
econo&ic prospects there especially o! their &e&'ers.
Learning to communicate appropriately with authority is a
ma*or skill to be imparted in urban ministry and there is much
good biblical teaching on it. "n many communities the ordering
of relationships to some degree of functionality is in fact the
primary economic task. )hile these relationships are
dysfunctional all other economic efforts will be dissipated and
Shalom will not eventuate. Other verses includeC Proverbs
1:10-15; 3;31; 3:28-32; 4:1; 5:1-11; 6:1-5, 20;10:1;
11:11,15,29;13:24; 14:21; 15:4,20; 16:7,21,28; 17:6,18,
19:9,13,18,26; 20:2,20; 21:9; 22:9,10; 22:6, 22-25;
23:13,15,22; 24:21,28; 25:6-9,18;26:18,19; 27:10,14; 28:7,20;
29:3,5,15,22-25; 30:17; 31:27.
9.Prosperity Is 1ccu&ulated "y Payin# 1ttention To:
a. The eans o! Production
The wise person pays attention to their ability to create
wealth by Gknowing well the condition of their flocksF
A+roverbs :EC:;D and even making sure their fields are
producing well before building their house. A+roverbs
:=C:ED. <aking sure you have the power to make
wealth is a high priority for the person who lives wisely.
The sluggard pays little attention to his fields and
means of production so his poverty Fcomes as an
armed manF and despoils him. A+roverbs :=C;IffD
'. "y Cautious E6penditure
The love of small lu6uries and pleasures can fritter
away wealth on a barely noticeable daily basis and prevent
the accumulation of a powerful capital base. A+roverbs :7C7ED
)ealth can be s5uandered @ especially by loose living
A+roverbs :7C:I, :HC;D. "n*ustice can destroy the potential of
the poor to create wealth and structural reform may be
necessary to enable the poor to use their means of production
efficiently. A+roverbs 7;C:; %-'4D F<uch food is in the fallow
ground of the poor, &nd for lack of *ustice there is waste.F
+aying attention to oneGs ability to create wealth can be
as simple as making sure that you are in a good *ob and that
your skills are up to date or it may be as comple6 as running a
ma*or business. The ur'an )or*er needs to 'e a'le to help
people !ind and retain 7o's and help the& see the thin#s
they can constructi5ely do to &a*e )ealth. )ealth creation
has to gradually become a higher priority than e6pending
money on pleasures. /udgeting skills will help some to control
e6penditure. The urban minister should be prepared to
demonstrate the economic conse5uences ofC
7. fast food
:. smoking
;. e6cessive consumption of alcohol
=. cost of nightclubs, drugs and prostitution
:.Prosperity Is Retained "y Ri#hteous Li5in#
;+roverbs 7;C::@:; %-'4D F& good man leaves an inheritance
to his childrenGs children, but the wealth of the sinner is stored
up for the righteous.F Inter8#enerational )ealth is 'ased on
ri#hteous li5in# and inherited 'lessin# )hile the )ealth o!
the )ic*ed is transitory at 'est4 in !act the )ealth o! the
)ic*ed is stored up !or the ri#hteous.;Pro5er's (/:((4,,<.
abitual righteousness and wisdom protect the possessor
from the foolish acts that destroy wealth such as giving into
the temptation to be involved in a shady business deal.
,urthermore righteousness brings GodGs favour and the three@
fold blessing ofC
a. fruitfulness
b. multiplication
c. authority
The wealth of the righteous grows steadily and is still with
them in old age while the wealth of the wicked has Ftaken
wingsF and flown away. A+roverbs :;C9D. /y making wealth
a secondary concern to obeying God the wise and
righteous person actually ends up better off. &ny study of
wealthy families in #urope will show this to be true time
and time again.
E.%TUDENT% ET1 C1RD 1CTI=IT>
$sing the /L$# metacard, write the biblical principle of
prosperity that struck you the most. Let them post each card
in the middle of the board. !ead all the cards loud.
$sing the +"%- metacard, write your personal and
sorrounding economic conditions or activities. There is no
need to write your name.
/efore posting them on the board, please check if your pink
cards are &L"G%"%G or <&L &L"G%"%G with the principle you
like best?
(lassify the pink cards as &L"G%#D or <&L@&L"G%#D
(O%D"T"O%S. &L"G%#D (&!DS .
+ost those &L"G%#D (O%D"T"O%S on top of the /L$#
(&!DSJ
the <&L &L"G%#D ones at the bottom.
S<&LL G!O$+ D"S($SS"O%
Share what you think about all the conditions the &L"G% with
the /L$# (&!DS.
Do the same with the pink cards.
Summari8e the session using these cards to emphasi8e the
+!OS+#!"T. and +O4#!T. has spiritual tie ups.
F. CLO%IN$ PR1>ER
eavenly ,ather, thank you for e6posing to me .our views of
prosperity and poverty. " learned how peace and wholeness
with .ou, myself, and others are so connected with prosperity.
" repent for the all troubles " have caused and " pray that you
pour out your grace upon me to walk in these principles.
(ontinue to work in all of us as we move on to other sessions.
II. DECIDIN$ TO 1$REE +IT.
$OD% =IE+% ON
"LE%%IN$% 1ND CUR%E%
&. Ob*ectives
7. To be able to differentiate religious from biblical
economic principles
:. To get a clear understanding of God1s offer of
abundance through wholeness in 'esus (hrist in
connection to prosperity
;. To use those understanding as my basis of
agreement with God1s economic principles
/. <aterials
yellow and violet = 0 > inch metacards, pentel pens,
and masking tape
(. "ntroduction
Reli#ion means personal beliefs or values, obsession,
or system of worship. <ostly, this is man1s way of
reaching out to God. "i'lical principles are not *ust
man1s ways. These are God@ breathed words released
to ;H authors in a span of about 79II years, ; different
continents, over BI generations with no contradiction
from the begining of the BB books to the end.Thus, it is
error free and constant in its stand for all generations.
D. %piritual 1spects o! Prosperity
The econo&ist a6 +e'er was one of the first people to
systematically study the tie@ups between religion and
economics. ,irstly he !ound that the hi#her percenta#e o!
their $DP that cultures or nations spent on reli#ion the
poorer they tended to 'e.
That is those that )ere &ore reli#ious )ere poorer than
those that )ere &ore secular.
%econdly he !ound that the Protestant )or* ethic )as
part o! the reason 'ehind the success o! the +estern
nations and his !irst &a7or pu'lication 'ore that na&e.
Since then many people have written about the tie up
between religion and economics. ,rom an evangelical
standpoint these statistical facts need to be re@interpreted
slightly since we do not believe that all religions are of e5ual
spiritual value. "t is of no surprise to an evangelical that
+rotestant nations are wealthier than e5uivalent economies
with other religious allegiances. God blesses those who follow
'esus by faith. owever why is &frica so poor? )hat is it
about the spiritual dimension that makes nations that follow
animism, tribal religions or voodoo so terribly poverty
stricken? &lso huge spiritual 5uestions are raised such as, K"f
God loves the poor and is in control of the financial realm why
is there still poverty?L This article will answer that 5uestion in
eight waysC
So we see that there are primary connections between
religion and prosperity such as blessings, curses, idols and
answers to prayer. Then there are secondary ones where our
religion influences our mind so that we believe in ghosts or in
luck or in gods that must be appeased in e6pensive ways.
These religious beliefs affect the way we work and plan and
have very real economic conse5uences. Lets e6amine these
seven spiritual factors in prosperity and poverty a bit further.
(. Prosperity Is Totally Under The Control O! The
%o5erei#nty O! $od
This was %ebuchadne88arGs hardest lesson. On the rooftops
of /abylon he cried out F"s this not might /abylon which "
have made?F ,or this act of pride he was punished by God by
losing both his might and his mind for seven years. &fter his
sanity and his kingdom was restored he saidC
ADaniel =C;=@;E %-'4D and " blessed the <ost igh and
praised and honored im who lives foreverC ,or is dominion
is an everlasting dominion, &nd is kingdom is from
generation to generation. M;9N &ll the inhabitants of the earth
are reputed as nothingJ e does according to is will in the
army of heaven &nd among the inhabitants of the earth. %o
one can restrain is hand Or say to im, F)hat have .ou
done?F %ow ", %ebuchadne88ar , praise and e6tol and honor
the -ing of heaven, all of whose works are truth, and is ways
*ustice. &nd those who walk in pride e is able to put down.
God is sovereign over the most might of rulers and Fdoes
according to is will in the army of heaven and among the
inhabitants of the earthF. God is able to influence both position
in life and prosperity in life. The following five verses illustrate
and clearly testify to GodGs absolute control over the financial,
social and political realms that influence prosperityC He gives
them to whomever He wishes.
,. $od Controls Riches 4 .onor4 $reatness and
%tren#th
A7 (hronicles :HC77@7: %-'4D M77N .ours, O LO!D, is the
greatness, The power and the glory, The victory and the
ma*estyJ ,or all that is in heaven and in earth is .oursJ .ours
is the kingdom, O LO!D, &nd .ou are e6alted as head over
all. M7:N /oth riches and honor come from .ou, &nd .ou reign
over all. "n .our hand is power and mightJ "n .our hand it is to
make great &nd to give strength to all.
/. $od Controls Political Position
ADaniel =C7E %-'4D .."n order that the living may know That
the <ost igh rules in the kingdom of men, Gives it to
whomever e will, &nd sets over it the lowest of men.G
0. $od Controls Riches4 +ealth and The 1'ility To
En7oy The&
A#cclesiastes 9C7H %-'4D &s for every man to whom God has
given riches and wealth, and given him power to eat of it, to
receive his heritage and re*oice in his laborJ this is the gift of
God.
2. $od Controls The Entire Financial Real&
Aaggai :C> %-'4D The silver is <ine, and the gold is <ine,G
says the LO!D of hosts.
9. $od Can $i5e Us 1n 1'undance For E5ery $ood
+or*
A: (orinthians HC> %-'4D &nd God is able to make all grace
abound toward you, that you, always having all sufficiency in
all things, may have an abundance for every good work.
God is the totally sovereign giver of wealth and honor. e
rules in the kingdom of men. is will prevails on #arth. e
gives prosperity to whomever he pleases including the lowliest
of men. e gives not only wealth, but the power to en*oy it.
,or the (hristian worker e makes grace abound so the we
may have Fall sufficiency in all thingsF and Fan abundance for
every good workF.
This is not a fatalistic view b ut rather an optimistic view. Since
God controls all wealth and honor and since God cares for the
poor then we have a powerful ally in helping the poor3 To take
these verses to mean FThe poor have an allotted station in
life, its poverty, God has not given them wealth, so be itF is to
deny GodGs bias to the poor so evident in the Scriptures.
:. There Is a oral 1spect To Prosperity In5ol5in#
Issues o! Character and Relationships
Some people are poor because they or the culture they are
part of ignores basic morality and wisdom. This is not *ust
blaming the victim. "t is a real factor in poverty. The market
factors and structural factors that cause poverty will be the
main focus of this session.owever, to be fair, we have to look
at all the causes of poverty including those mentioned in
Scripture.
)e can be poor due to irresponsible behavior such as
a. getting drunk regularly
b. taking illegal drugs
c. gambling
d.engaging in promiscuous behavior
& case in point is the &"DS epidemic that is destroying the
prosperity of South &frica, which is a resource rich nation with
generally good leadership. The working life of many South
&fricans re5uires long stays away from home at mines, and
this has combined with traditional valuing of virility and the
availability of prostitution to produce widespread promiscuity.
&lso part of the culture of virility is a deep scorn !or the
practice o! sa!e se6. This lethal combination of promiscuity
and folly has led to a vast "4@&"DS epidemic which according
to South &frica1s <edical !esearch (ouncil is causing :9
percent of all deaths in the country and =IO of adult deaths in
the 79@=H age group and which may reduce the life@
e6pectancy to =7 years by :I7I (reorte! i" #ewswee$ , %&t
29
th
2001 5D This is further compounded by a culture of
shame about "4@&"DS and government refusal to
acknowledge the problem. Such a massive epidemic of
course causes deep poverty in families bereaved of the
provider and throughout the nation as a whole. 'ust one
foolishness and immorality of a person can do great damage
to their family and friends.
+hen a nation4 city or a su'8culture disre#ards 'i'lical
&orality and )ise li5in#4 then4 disaster is ine5ita'le.
&spects of poverty are attitudinal character aspects such as
a. la8iness
b. contempt for learning
c. choosing friendships with the wrong sort of people.
These are e6tensively dealt with in the book of +roverbs and
touched on in the section on prosperity. God1s desire is for all
people to be whole but peoples1 behavior hurls them to
destruction and poverty.
?. Curses and "lessin#s .a5e $reat In!luence On Our
Po)er To $enerate +ealth
(urses and blessings are generally considered to be primitive
superstitions but they are taken very seriously in the /ible. "n
Genesis 7 we find GodGs initial blessings on mankind
bestowed three things that greatly affect our prosperityC
a. ,ruitfulness
b. <ultiplication
c. &uthority to Frule overF.
@. Fruit!ulness is the proper e6pression o! our inner
nature. ,ruitfulness includes the crops in the field and the
seven strong sons and en*oying the work of your hands. The
opposite of fruitfulness is barrenness and sterility, dried up
crops, a life that peters out and goes nowhere.
(A. ultiplication is e6ponential increase . "t is seeing your
abundance produce more abundance and then yet greater
abundance. "ts classic illustration is how 'acob got large
herds even though his wages were Fthe spotted and the
speckledF. The e6ponential multiplication of his flocks was a
clear sign that God was with him and that Laban was
unrighteous. The opposite of multiplication is frustration and
futility.
"y authority to Brule o5erB )e ha5e di#nity4 headship4 the
a'ility to 'e ascendant4 to 'e the head not the tail4 to 'e
5ictorious and to &aintain our 'oundaries in peace. "ts
opposite is being humbled, despised, invaded, to eat the dirt,
to be crushed and humiliated, to be unable to rise.
(ountering this in Genesis ; we see the first curses in
operation. The very opposite of the blessings is brought to
bear by God as e *udges &dam, #ve and the Serpent. The
woman is made unfruitful, the man is made to work in futility
and the serpent is told he will eat the dirt and eventually be
crushed in utter defeat. +rosperity was denied. The power to
en*oy Shalom was taken away.
Thus blessings are a spiritual influence that brings about
fruitfulness, multiplication and authority.
Curses are a spiritual in!luence that 'rin#s
a. "arrenness
'. Futility
c. .u&iliation
(urses and blessings thus Ftilt the playing fieldF and make it
either easy or difficult to make wealth. /ecause the physical
world is undergirded by the spiritual world a change in spiritual
reality can profoundly affect human prosperity.
The close tie 'et)een cursin# and 'lessin# and national
prosperity is clearly delineated in Deuterono&y ,98,?
)here the nation )ould 'e 'lessed and prosperous i! it
o'eyed $od and destroyed in !utility i! it ser5ed idols
instead. The nationCs po)er to &a*e )ealth thus
depended on )hether it )as 'lessed or cursed 'y $od.
"n the book of aggai the curse on the nation Aaggai 7C9@77,
:C7B,7E D that was leading to economic ruin was removed
when the pe ople obeyed the prophets and laid the foundation
on the LordGs temple Aaggai :C7>,7HD. Then prosperity was
rapidly restored. GodGs claim in aggai is that Fthe silver and
gold are mineF. The power to make wealth is thus contingent
on a spiritual universe @ which we know is in conflict.
((. Prosperity Is Opposed 'y E5il 8 Includin# %atan +ho
Co&es To %teal and -ill and Destroy
'esus defines the mission of Satan as FTo steal, kill and
destroyF A'ohn 7IC7ID. "n Scripture, Satan is portrayed as
destroying the prosperity of GodGs servants such as 'ob,
unleashing persecution, and afflicting people with various
diseases including mental illness. Satan also lays claim to the
commercial and political realms falsely boasting to 'esus that
he could give them to whomever he wished ALuke =C9,BD. "n
the F-ing of TyreF discourse Satan is seen as Fwise in tradeF
A#8ekiel :>C9D. "ndeed there is a kind of demonic and godless
prosperity that is purely financial and does not participate in
GodGs Shalom. &t the end of history the choice will be
between entering a Satanic world of trade and investment and
maintaining faith in God A!evelation 7;C7B@7>D.
The reality of these principalities and powers can be readily
seen in that some of the fiercest and most irrational
persecution these days is directed at (hristians who help the
poor successfully and thus break some of Satan1s society@
wide strongholds. A+roverbs ;7C>,HD. Thus the principalities
and powers behind social evils need to be addressed as these
powers can greatly afflict the power to make wealth of a city or
nation. The battle is not only political but spiritual.
"n fact there are two spiritual battles here. ,irstly is the battle
to stop the Satanic destruction of the bodies, minds and
prosperity of the poor @ opposing the Fsteal, kill and destroyF
aspect of Satanic rule. This re5uires a strong commitmenth of
bible basedC
a. pastoral care
b. healing
c. vigorous intercession
The second and more sophisticated battle is against the
+rince of Tyre aspects, against the power of trade turned evil.
a. Systemic in*ustices
b, Drug trafficking
c.+iracy
d.the effects of globali8ation and currency trading
e.usurious rates of interest
They can be seen as based in a power greater then mere
human ingenuity. This re5uires a strong prophetic and political
stance by (hristian workers.
Success is possible. <any of the Scripture passages that
most vividly picture success and prosperity start with the
phrase Fa new heavens and a new earthF.A"saiah B9C7E, BBC:,
:+eter ;C7;, !evelation :7C7D.
This implies the heavens have been cleansed of demonic
influence. $nder the new purified heavens demons no longer
torment peopleGs minds or afflict their bodies. The principalities
and powers in the heavenly realms have been totally defeated
and are now bound so that the heavens are FnewF and the
blessing of God to mankind can flow freely and without let or
hindrance. The power to make wealth is unleashed under the
new heavens and great length of life and material wealth is
promised in "saiah B9. "t is notable that during times of revival,
when the heavens are renewed, there 5uickly flows correction
of systemic in*ustices Ae.g. slavery was corrected by
)ilberforce during the time of 'ohn )esleyD as well as a
correction of social evils. %ational prosperity 5uickly follows.
(,. Idolatry Creates Po5erty
During the ceremony in which the Law of <oses was enacted,
God made it very clear that turning to idols and following
wickedness would result in poverty and destitutionC
ADeuteronomy :>C79@:I %-'4D F/ut it shall come to pass, if
you do not obey the voice of the LO!D your God, to observe
carefully all is commandments and is statutes which "
command you today, that all these curses will come upon you
and overtake youC M7BN F(ursed shall you be in the city, and
cursed shall you be in the country. M7EN F(ursed shall be your
basket and your kneading bowl. M7>N F(ursed shall be the fruit
of your body and the produce of your land, the increase of
your cattle and the offspring of your flocks. M7HN F(ursed shall
you be when you come in, and cursed shall you be when you
go out. M:IN FThe LO!D will send on you cursing, confusion,
and rebuke in all that you set your hand to do, until you are
destroyed and until you perish 5uickly, because of the
wickedness of your doings in which you have forsaken <e.
)hat sin could possibly bring such a devastating economic
curse? )orshipping idols. ADeuteronomy EC:9@:B %-'4D F.ou
shall burn the carved images of their gods with fireJ you shall
not covet the silver or gold that is on them, nor take it for
yourselves, lest you be snared by itJ for it is an abomination to
the LO!D your God. M:BN F%or shall you bring an abomination
into your house, lest you be doomed to destruction like it. .ou
shall utterly detest it and utterly abhor it, for it is an accursed
thing. Those nations that are most involved with idolatry, such
as aiti, the &frican nations and those that use voodoo and
magic are also the very poorest nations on earth. #verywhere
you turn idolatry brings a curse and creates poverty.

Those nations that rebel most against God do worst
economically. The atheistic communist nations of #astern
#urope are now utterly bankrupt. The "slamic nations that
persecute (hristians are totally frustrated by the way their
economies refuse to prosper. Since "ndonesia started looking
the other way when (hristians were persecuted its currency
has plunged in value. owever the )est is by no means
e6empt. )e have generated a new form of idolatry that
worships money and unless we repent of it we will be *ust as
cursed as a voodoo practitioner in aiti.
(,.The %earch !or Luc*3Fortune Creates 1n Irresponsi'le
indset
Some people do their financial planning by buying a lottery
ticket. They believe that if they win they will be rich and their
problems will be over. /ut the statistics are now out and HIO
of people who win the lottery are worse off five years later, the
money is all gone and the bills are still coming in and they
have become used to lu6ury and cannot go back to where
they once were. " believe around 9IO actually go bankrupt
within five years of winning a large lottery payout3 )hy?
/ecause a lottery win only gives a person money, it does no
give a person the power to make wealth. &s we saw earlier
the power to make wealth comes from specific and focused
wisdom and knowledge, applied diligently and responsibly
towards a financial goal. )inning the lottery does not increase
a person1s wisdom and knowledge or give them diligence and
responsibility. "t only rewards irresponsibility. "t gives a
temporary increase in capital without the means to use that
capital wisely and well.
"n search for luck, many folk religions around the world resort
toC
a. Divination
b. Sacrifices
c. <agic charms
d. Spirit@mediums
This can become brutal and bi8arre. "n a gruesome
incident in "ndonesia an &merican tourist was lured to a
lonely location to partake in a religious ceremony. "nstead
of a garland around her neck there was a rope. She was
strangled as a sacrifice to a local god so a spirit@medium
could prophesy a lottery number. The number was, of
course, a failure and the culprits were later arrested.
owever this illustrates the desperate and criminal lengths
people will go to obtain luck and fortune. !eal economic
planning is defeated by this mentality.
(/ Reli#ion "eco&es 1n Escape Fro& Reality 1nd 1n
Illusion4 1n Opiate O! The asses
This is probably best seen in some of the ecstatic ceremonies
of the &ncient Greek religions, the dances of the dervishes
and in the peyote ceremonies of the &merican "ndians or even
in the use of drugs by the counter@cultural faiths of the modern
city. "t is also seen in some cults that produce altered states of
consciousness or which use intense spiritual e6periences as a
way of not being involved with the world. !eligion can create
an alternative reality that is much more pleasant than the real
world and this virtual reality can become home to many
people. $nfortunately you cannot earn a living in the world of
religious virtual reality. )hen a culture sends many of its
young me off into monasteries for a few years of their life or
retreats into mysticism and religious ceremonies or advocates
trance states and the use of mind@altering substances then it
is eroding the society1s ability to be fully productive. #urope
during the Dark &ges and Tibet and similar societies today are
desperately poor because their power to make wealth is being
constantly diminished by an over@involvement in other@worldly
religion.
)hile we serve God, not <ammon, that does not mean
that we need to become impractical and useless. True
(hristianity is incarnated. 'esus was a carpenter, +eter a
fisherman, +aul a tent@maker. True (hristianity strengthens
you to cope with the outside world and e6ercise God1s
dominion in it. The true (hristian need not be a monk or a
mystic. The true (hristian can be a high@school teacher, a
farmer or an &@grade auto mechanic. The +rotestantism of
Luther and (alvin encouraged the sense of personal vocation,
so that daily work was seen as a gift from God whereby you
actuali8ed is will in is world. )ork, particularly working
5uietly with one1s hands is seen as a solid (hristian virtue
throughout the %ew Testament. "n the epistles to the
Thessalonians +aul e6horts them to lay aside idleness that
came from being taken up with end time speculations and get
down to providing for their daily needs in constructive ways.
The apostle repeatedly takes pride in his won ability to work
hard and provide for his won needs though he was entitled to
ask for support from the churches. A: (orinthians > PHD. Thus
the gospel does not provide an escape from reality of from the
daily business of making a living. !ather the gospel connects
us with God who strengthens us to take in life fully and
completely.
(0. The %piritual +orld O! Pri&iti5e Reli#ion Is Chaotic
1nd In Need O! 1ppease&ent Not Lo#ical4 La)!ul 1nd
Predicta'le4 It Thus Does Not Encoura#e Lon#8Ter&
Plannin#.
)estern science Aincluding economicsD has flowed from a
view of the $niverse that sees it as being superintended by a
single eternal God who is constant in is ways and rational in
is laws. Therefore the search for those laws is a sensible,
rational and noble thing to do.
"saac %ewton said of his discoveries and research " am
merely thinking God1s thoughts after im. "n direct contrast to
this predictable and rational view of things are those cultures
that believe in a chaotic spirit@world of many gods, demons
and spiritual entities. ,or them the universe appears to be full
of the personal malignancy of hundreds of spiritual agents that
must be appeased. <agic is the only possible science in such
cultures. )ithout the concept of a basically rational universe
planning and research have no sound basis. Thus, up until
very recently nearly all the world1s great scientists have been
(hristian or 'ewish.
E. %TUDENT% ET1 C1RD 1CTI=IT>
(an you site generational patterns in your own family in terms
of the following factors causing poverty?
&. &ttidudinal Ala8iness, broken relationships in family,
lawlessness, dishonesty, etc.D
/. #6tra biblical religious or superstititious beliefs
AKhaladL , KlihiL, KpakatiL,L habakL, taming, magic, anting
anting, panaad sa dios dios, Kpasaka1, KpalinaL
(. Systemic "n*ustice
Legally operating gambling practices, motels that
accept unmarried people for se6ual activities,
businesses and companies that create into6icating
drinks and cigarettes, bars with immoral activities,
abortionists unreprimanded by authorities, etc.
"f they are practiced by your family and community,
write them all in your violet metacards.
"f they are practiced by you personally, write them in
your yellow metacards.
&gain, no one needs to write his name on the cards.
-now that God can change the course of your life, your
family, and your community. &nyone who comes to
sincerely repent for his own sins and pray for God1s
mercy to change his family and community, he is
forgiven. ,orgiven people are made righteous in God1s
sight. The bible says that the prayer of the righteous
man avails much.
Prayer o! Repentance o! %el!4 Fa&ily4 and
Co&&unity %ins Causin# Po5erty
Father $od I co&e 'e!ore >ou to reco#niDe &y
sin... such as ........... . I repent !or all o! the&. I as*
!or >our !or#i5eness. I as* that you 'rea* the
po)er o! e5ery curse o5er &y li!e connected to
the&. I recei5e !or#i5eness and your #race to &a*e
&e )al* in the ne)ness o! li!e and I )ill taste the
'lessin#s connected to it. In Eesus na&e4 1&en.
I identi!y )ith the sins o! &y !a&ily. In 'ehal! o!
the&4 I con!ess that )e co&&itted................. I
repent !or all o! the& and as* !or >our !or#i5eness.
"rea* the curses connected to the&4 in Eesus
na&e.
I also identi!y )ith the sins o! &y co&&unity. In
'ehal! o! the&4 I repent !or the sins co&&itted
a#ainst >ou such as ................................ . I as* !or
>our !or#i5eness. Chan#e our hearts as a
co&&unity. %end people )ho in5ade us )ith the
teachin#s o! >our )ord so )e *no) ho) to ha5e a
ne) 'e#innin#.
These )e pray in Eesus na&e4 1&en.
III. %TEP% TO FULFILL >
FIN1NCI1L $O1L%
&. Ob*ectives
7. To be able to formulate a financial goal within
; years and e6plain the reason for the goal
:. To give 9 concrete and biblically sound steps
to fullfill it
;. To identify current sources of income and
state how it can be improved to reach the ;
year financial goal
=. To identify hindering factors and the way to
overcome or evade them to come
/. <aterials
Green =6> metacards, pentel pens, and masking
tape
(. Opening +rayer
Dear eavenly ,ather, .our word said,Kfaith without action is
deadL. )e come before .ou in this session to ask for your
guidance and help that we can come up with our individual
financial goal in the ne6t ; years. elp us to design steps to
achieve it within .our ethical standards and give us wisdom
and strength to overcome hindrances.This we pray in 'esus1
mighty name. &men.
D. "ntroduction
&s you make your financial goals, bear in mind the ffC
1. Everywhere in Scripture, poverty, oppression and
destitution are seen as EVILS T !E ELI"I#$TE%.
&. God will prosper us to the e6tent that we develop the
power to make wealth within is ethical boundaries.
'. God never wants us to take our identity on material
things
"ntroductionC
(ow )uch is your fa)ily inco)e now*
(ow is it doing co)pared to the needs of your fa)ily*
+hat do you think you can do to contribute to the
solution if there is a gap to solve*
(ow do you see yourself financially ' years fro) now*
Though ,od is opposed to us greedily pursuing wealth,
(e definitely desires that we beco)e prosperous. So
then what is the -hristian response to the eli)ination of
poverty and the proper creation of wealth and
prosperity*
Two sets of 5uestions are much more effective in alleviating
poverty.
7. !esources at hand
Fow are you earning already?
)hat are you doing that is working for you?
This takes advantage of your resourcefulness and
acknowledges the informal economy and empowers
them giving their current solutions some dignity.
:. "mprovement of their (urrent !esources
F)hat else can be done to help you improve your
current income?
ow can business and economic opportunities be
generated?
ow can employment outcomes be increased?
ow can you find access to cheap capital, training,
resources and markets?
This unleashes a whole host of solutions that can
genuinely create peace and prosperity for the you and
your family.
+1RNIN$ 1$1IN%T %OE IN=IT1TION% OF R1DIC1L
LE1DER% ;)ar !rea* la'or unions4 radical rallies4 etc< :
&ggressive and reactive legal action, mass action and
even terrorism are not solutions at all. &ngrily pursuing
*ustice has not solved the problem of poverty. "n fact it
has often made it worse. )hile issues of *ustice for the
poor are real they need to be placed in a completely
different framework.
The resource!ul and &astery 'ased stance is a relatively
unemotional and highly professional approach that avoids the
anger and the helplessness of fight@or@flight based reactive
approaches. "t involves developing a professional campaign
using the best possible people and resources and finding out
what legal avenues are available at the local, regional,
national and international levels and through various %GO1s
and sympathetic media outlets. This approach lobbies for
deep change to laws and structures and seeks mechanism to
be put in place that will stop in*ustice recurring rather than
fighting highly emotional individual battles over causes.
The second part of our new framework comes when we ask
the 5uestion Fow can the poor be made to prosperF which
gives us the biblical answer F/y giving them the power to
make wealth.F. Those solutions that have tackled the issue of
Fthe power to make wealthF have been positive and
successful in alleviating poverty. The poor have prospered.
Their lives have been transformed.
Concentratin# on #eneratin# )ealth !or the poor )hile the
in7ustices and lar#er issues are 'ein# corrected is 'y !ar
the &ost success!ul )ay !or)ard.
To be a bit obvious, the solution for poverty is money. .et
while the solution to poverty is money it is not dole outs
windfall cash that is needed but rather the a'ility to create
)ealth on a consistent 'asis )ith di#nity and purpose
)ithin a ri#hteous and 7ust li!estyle.
"f a poor community is given the ability to make substantial
wealth on a consistent basis then very soon it will no longer
be poor and it will be generating its own wealth which is a
long@term and hopefully permanent solution.
Prosperity is thus a #omprehensi%e
wholeness of life
that radiates from the blessing of (od to
those who fear Him and abide in His
#ommandments&
&s prosperity was seen as the physical manifestation of the
blessing of God there is a very close and even absolute link in
Scripture between righteousness and prosperity. 'obGs
5uestion to God was basically F" have been righteous,
therefore it is not *ust that " should not be prospering, but
instead be sufferingF. The times when the righteous suffered
or the wicked prospered were ma*or challenges to this world@
view. Differences between the righteousness of an individual
and their wealth were seen as anomalous.
The prosperity o! the )ic*ed needed to 'e e6plained and
a &a7or source o! personal #rie!. ;Psal&s /:4 9@ and :/<.
This absolute linking of righteousness and prosperity
persisted into the %ew Testament times. The disciples were
astonished and cried out Fwho then can be saved?F
A<att7HC:;@:9D when that the rich young ruler, who seemed to
have so much of the blessing of God on his life, could not
enter the -ingdom.
,irstly our allegiance is to be fi6ed on 'esus (hrist and on a
singular though Trinitarian (reator God who rules is
universe in lawful and rational ways and who will give us
strength and wisdom as we do our work.
"n (hrist alone are great blessings and shelter from curses. "n
(hrist alone the spiritual side of economic life is dealt with.
,orsaking idols and primitive religion is not enough.
(ompletely secular and atheistic nations do not prosper in the
long run and (ommunism has fallen into ruin. <en and
women need to move from trust in idols to faith in the living
God and surrender to im who controls all prosperity and
embrace is Son 'esus (hrist A+salm :D.
)hen we grasp what (hrist has done for us, and what the
/ible says about life and work, we will be liberated from our
counter@productive and superstitious mindsets. )e will
understand (hrists victory over the supernatural powers
during the cross, resurrection and ascension. )e will
understand that God will *udge our work when (hrist returns
and that we are to do our work as unto the Lord. )e will not
gamble, believe in luck or let ourselves be ruled by
irresponsible and greedy impulses. !ather we shall cultivate
the godly and righteous power to make wealth through the
diligent application of specific and focused wisdom and
knowledge towards a worthy economic goal. Thus we will
refuse to fear minor supernatural powers and will fear God
alone.
The rene)ed &ind is a &ind !reed !ro& the do&inion o!
#reed4 idolatry4 superstition and the search !or luc*. It is a
$od8centered &ind that is Fuic*ened4 intelli#ent4
thou#ht!ul and responsi'le and )hich applies itsel! to
creati5e )or* !or the #lory o! $od.

/udgetting &ctivityC
/iblical +rinciples "nvolevedC
7. Tithing
/ring the whole tithe into the storehouse , that there
maybe food in the house., Test me in this, says the
Lord &lmighty, and see if " will not throw open the
floodgates of heaven and pour out so much blessings
that you will not have enough room for it. " will prevent
pests from devouring your crops, and the vines in your
fields will not cast their fruit, says the Lord &lmighty.
Then all the nations will call you blessed, for yours will
be a delgihtful land,L says the Lord &lmighty.
<alachi ;C7I@7:
Tithe or ten percent A7IOD of our income belongs to
God. "t is to be brought to the church where you
belong.
"t is not be a part of our money for other things. The
bible considers us robbing God and under a curse
A <alachi ;C>@HD if we dont give our tithe. owever, we
benefit a lot from paying it back to God. e will protect
us and our income, our properties, and most of all our
hearts. Greed do not easily grow in people1s hearts
who know how to worship God with their money.
:. Offering
1Ti). ./10 Instruct the) to do good, to be rich in good
works, to be generous and ready to share,
1Ti). ./11 storing up for the)selves the
treasure of a good foundation for the future, so
that they )ay take hold of that which is life
indeed.
%" to o' o(r tithes, we give o''eri"g. )h(r&h ro*e&ts, he+
'or the oor, or missio" wor$s th,t te,&h the tr(th
,bo(t -o! ,re ./0123/ -0%4#56 .%0 7%40
%../02#-. 3i$e the ,8i"g o' 121H/6 whi&h is to
be bro(ght to , &h(r&h, o''eri"gs ,+so bri"g be"e'its
to (s i' 8o( ,re givi"g it to wor$s or eo+e who ,re
./0123/. 1hese ,re eo+e, ro*e&ts, &h(r&hes, or
org,"i9,tio"s whi&h te,&h the 1041H ,bo(t -o!
thro(gh His :or. ;s the eo+e obe8, -o! is
movi"g i" their mi!st th,t the8 rogress be&,(se the
:or! o' -o! is ;32</ ;#5 ;)12</.

3. Invest)ent
Dishonest &oney d)indles a)ay4 'ut he )ho
#athers &oney little 'y little &a*es it #ro). +rov.
7;C77
)e should not spend all that we earn. )e should strive to
make a certain part of our income grow. This may be in the
following formsC
a. Small business
b. 4ehicle, land or building for rent
c. Livestocks
d. +rofessional &dvancement
&dditional income will allow you to have more capabilities to
develop yourselves and others for the purposes of God
;. Savings
+eople who dont save are prone to debts. Debts may
cause too much stress and eventually affect
relationships.
+eople with savings afford themselves the following
benefitsC
a. rest when they need it
b. spend time with a love one when they are needed
c. help other in real financial needs
d. support godly pro*ects through earned bank
interests
=. +aying Ta6es
Pay e5eryone )hat you o)e hi&: i! you o)e ta6es4
pay ta6esG i! &oney4 then &oneyG i! respect4 then
respectG i! honor4 then honor. !om. 7;CE
$od does not )ant us to e5ade ta6es. Ta6es fund
government services that are run in the whole country.
"f we dont pay ta6es, we are legally liable and God
does not want us to be against the law.
9. +aying Debts
The )ic*ed 'orro)s and does not repay4 'ut the
ri#hteous sho)s &ercy and #i5es. +salms ;EC:7
%ot making debts is the most ideal thing to happen.
This means you are spending within your means and is
having savings that cover more difficult times like
sickness, emergencies, etc. owever, when indebted,
we should make serious efforts to pay no matter how
difficult it is. )e should follow the terms and conditions
we promised to the lender. <any times, they lend
because we released a promise to pay. "f we dont pay,
we are considered wicked and wickedness blocks
blessings.
"n severe situations, paying debts is difficult to do. The
borrower must be the first to communicate to the
lender. &d*ustments can be easier to propose by this
act of humility. "t is not wise to wait to be reprimanded
and the lender have already become upset. e can be
easily closed to any negotiation.
Try to plot your budget as realistically as possible.
&nswer the 5uestions after
the table below.<onthly
"ncome QQQQQQQQQQQQ
&mount in
+eso
Savings
/udgeted "tems
Tithe A7IOD
Savings A7IOD
"nvestment A7IOD
Legal DeductionsC SSS
)ithholding Ta6
+hilhealth
+ag@ibig
Transportation
,ood
Light
)ater
#duc #6pense
<edical (are
ouse !ental
Debt to pay
Others
Total #6pense
Total Savings
"ncome from "nvestment
&. "s your monthly family income reasonably enough?
7. "f yes, are there ways you can save? ow?
:. "f no, what can be done?
/. &re you able to save?
)hy?
)hy not?
(. &re you able to invest?
)hy?
)hy not?
D. ave you tried paying your tithes?
)hy ?
)hy not?
)hat you you observed with the HIO of your income?
ow about the attitude of your heart ? as something
changed towards money or fear of not having money or
contentment with what you have?
#. Did your give an offering?
)hy?
)hy not?
ow did you choose where to give?
)hat were the signs that it was a fertile ground?
,. $se this page to make your ; year financial plan.
&. ow much do you want your income to be ; years
from now? )hy?
/. )hat are the steps you need to take?

(. )hat are the things you should avoid in order to
reach your financial goals?
D. )hat are the things you should maintain?
#. )hat can God e6pect from you when e has
prospered you financially already?