1. Marital Problems – 37 percent of marital problems originate from financial issues
2. Cash Flow – 70 percent of all consumers live paycheck to paycheck, meaning they run out of money before the end of the month
3. Savings – The average family would have to use a credit card to pay a $1,500 unexpected expense like home or car repairs.
4. Retirement – Nearly half of all Americans (46%) have less than $10,000 saved for their retirement.
More on retirement: “Finally, this current economic crisis just might help Christians to focus on another issue — retirement. Where in the Bible are we told to aspire to years and decades of leisure without labor? There is nothing wrong with saving for what the world calls retirement. Indeed, that is just good stewardship. Furthermore, there is nothing wrong with workers enjoying the fruit of their labor. But Christians should think of retirement as an opportunity to be redeployed for Kingdom service.” (Al Mohler)
Plan and prepare-–don’t fall for get rich quick schemes
For which of you, intending to build a tower, does not sit down first and count the cost, whether he may have enough to finish it; lest perhaps, after he has laid the foundation and is not able to finish, all those seeing begin to mock him, saying, This man began to build and was not able to finish.
The naive believes everything, but the sensible man considers his steps.
Also it is not good for a person to be without knowledge, and he who hurries his footsteps errs.
The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.
Do not weary yourself to gain wealth, cease from your consideration of it.
A prudent man sees evil and hides himself, the naive proceed and pay the penalty
He who tills his land will have plenty of food, but he who follows empty pursuits will have poverty in plenty. A faithful man will abound with blessings, but he who makes haste to be rich will not go unpunished.
Contentment and a guarded heart
1 Timothy 6:6-10
But godliness actually is a means of great gain when accompanied by contentment. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that. People who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge men into ruin and destruction. For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.
Keep your life free from the love of money, and be content with what you have.
Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless.
“Two things I ask of you, O LORD; do not refuse me before I die: Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread. Otherwise, I may have too much and disown you and say, `Who is the LORD?’ Or I may become poor and steal, and so dishonor the name of my God.
Honor God with your money:
Honor the Lord from your wealth and from the first of all your produce; So your barns will be filled with plenty and your vats will overflow with new wine.
God’s supply for us
For every beast of the forest is Mine, the cattle on a thousand hills. I know every bird of the mountains, and everything that moves in the field is Mine. If I were hungry I would not tell you, for the world is Mine, and all it contains.
2 Corinthians 9:8
And God is able to make all grace abound to you, so that always having all sufficiency in everything; you may have an abundance for every good deed;
And my God will supply all your needs according to His riches in glory in Christ Jesus.
Hard work and diligence
Proverbs 10:4 Poor is he who works with a negligent hand, but the hand of the diligent makes rich.
Proverbs 12:14 A man will be satisfied with good by the fruit of his words, and the deeds of a man’s hands will return to him.
Proverbs 12:24 The hand of the diligent will rule, but the slack hand will be put to forced labor.
Proverbs 13:4 The soul of the sluggard craves and gets nothing, but the soul of the diligent is made fat.
Proverbs 13:11 Wealth obtained by fraud dwindles, but the one who gathers by labor increases it.
Proverbs 14:23 In all labor there is profit, but mere talk leads only to poverty.
Proverbs 18:9 He also who is slack in his work is brother to him who destroys.
Proverbs 20:4 The sluggard does not plow after the autumn, so he begs during the harvest and has nothing.
Proverbs 21:5 The plans of the diligent lead surely to advantage, but everyone who is hasty comes surely to poverty.
Proverbs 21:25 The desire of the sluggard puts him to death, for his hands refuse to work;
Proverbs 22:29 Do you see a man skilled in his work? He will stand before kings; he will not stand before obscure men.
Proverbs 24:27 Prepare your work outside and make it ready for yourself in the field; Afterwards, then, build your house.
Proverbs 24:30-34 I passed by the field of the sluggard and by the vineyard of the man lacking sense, and behold, it was completely overgrown with thistles; its surface was covered with nettles, and its stone wall was broken down. When I saw, I reflected upon it; I looked, and received instruction. “A little sleep, a little slumber, a little folding of the hands to rest,” Then your poverty will come as a robber and your want like an armed man.
Proverbs 28:19 He who tills his land will have plenty of food, but he who follows empty pursuits will have poverty in plenty.
Ecclesiastes 5:12 The sleep of the working man is pleasant, whether he eats little or much; but the full stomach of the rich man does not allow him to sleep.
Colossians 3:23 Whatever you do, do your work heartily, as for the Lord rather than for men,
2 Thessalonians 3:10-11 For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either. For we hear that some among you are leading an undisciplined life, doing no work at all, but acting like busybodies.
1 Timothy 5:8 But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.