Friday Faith

I hope you enjoy my nifty new term for my Friday blog posts. I thought it was pretty creative (both start with F ;)). Every Friday I want to present a verse or passage in the Bible and try to dissect it in modern day personal finance lingo. Today we are going to start with one of my favorite verses (because this is my blog :)).

The rich rule over the poor, and the borrower is servant to the lender.

Proverbs 22:7

This is one of my favorite verses because:

1. It gets straight to the point. If you borrow money (or goats, cows, or wheat) from another person you are their servant until you return the full amount (plus interest). Debt leads to slavery whether it be bank or family member. Dave Ramsey says “Thanksgiving dinner tastes different when you eat with your master (not verbatim)”. Ever notice the air is different in the room with someone you owe money???

2. The wealthy rule the poor. It is my best guess that this was not some sort of hierarchal babble that was only useful during the time. I believe that wealthy people have different money habits than the poor. When I say poor I mean the person that is financially destitute and owes more to the bank than they have in the bank. Poor money habits will lead to a poor lifestyle.

Do you think God was calling out debt in this scripture?



Step 1: Define Passion

I just finished reading a great book called Crush It by Gary Vaynerchuck (review to follow). He first suggested that I needed define my passion when entering the world of blogging and personal branding. Since I am a virgin in the business of me I figured I would tell you a little bit about why I am so passionate about your finances.

As you can read in My Story page, I grew up in a pretty normal lifestyle. It wasn’t until I got out of my family shell that I really started to see the world. After college I was the regular bachelor. I spent mass amounts of money on my own selfish desires, which made it harder to be married but that is another story :).

It wasn’t until I agreed to only allow Death Do Us Part did I realize that life is hard. I used to check the online bank account daily wondering when more money was going to be debited (a hyper link is  included if you don’t know what that means). Sweat beads would drip from my brow every time Target would appear on my statement.

It was then I realized that something had to be done. Back then I forced my wife to go to Financial Peace University with me. It was until recently that she (and our counselor :)) informed me that forcing her to do anything was not a good idea. It was during FPU that I began to open my eyes. I started to realize that financial strains not only affected decisions to go to Chili’s or Mickey D’s. People were hurting. Relationships were strained. The divorce rate is above 50% and one main reason is money problems.

It was through my own financial birth that I discovered that people need direction. So in a sense my heart is broken for you. God has burdened me with an unquenchable thirst to help the financially lost and misguided. Bill Hybels calls it a Holy Discontent.

So consider this a rebirth for this blog. I have a new direction and will be unveiling it soon. It’s going to be sleek and it’s going to be sexy but most importantly it will rock your world.



People always ask me what is one thing that I recommend, that I do personally, to anyone in financial distress. That one thing would be to K.I.S.S IT. As you can imagine I usually get very puzzled looks. So I say it a bit slower: K–I–S–S   I–T. For all of you Art History majors out there the definition for the K.I.S.S. rule is:





The most important rule in your finances is to Keep It Simple Stupid. Do a personal finance search in Google and see how many different opinions you can get. It is mind blowing. It is  impossible to wade through all the junk and find the most beneficial information. So if you are not a finance guru and you graduated with a gerontology degree keep this one rule in mind when making over or starting out on your personal finance journey.

What is your One Thing that you need to K.I.S.S?


Man in the Mirror (Part 2)

Previously I talked about the need to please and the need to feel accepted. Both of these needs, if not handled correctly, can be devastating to your personal and financial well being. There is hope though. Your hope is you. It’s that easy. Here are a few recommendations for recognizing your self worth.

1. Find Your Strengths
Do not pass go, do not collect $200 until you can pin point and understand your strengths. I personally used the Strengths Finder 2.0 by Tom Rath. This is a great resource to understand your uniqueness and how you can leverage your strengths to achieve and exceed your goals.

2. Leverage the Power of Positive Thinking
Once you have discovered your strengths begin to surround yourself with a community of positivity. I personally suggest a church community. Norman Vincent Peale suggested reciting Philippians 4:13 to yourself over and over in his book The Power of Positive Thinking. “I can do ALL things through Christ who strengthens me, I can do ALL things through Christ who strengthens me”. This is a great starting point for you who may feel hopeless and need a quick fix.

3. Seek Counsel
My final suggestion is to seek outside counsel. I am a true believer in seeking a non-biased opinion of what you could be doing better. Your church pastor is always a great starting point. They have many resources to get you started and then launch you into a counsel that is more tailored towards your specific needs. Proverbs 15:22 says it best, “Plans fail for lack of counsel, but with many advisers they succeed”.

Are you ready and willing?

What is holding you back?


Confessions of a People-Pleaser by Anna Light (
Power of Positive Thinking by Norman Vincent Peale (
Strengths Finder 2.0 by Tom Rath (


Man in the Mirror (Part 1)

Why can’t we get past ourselves? Why do our selfish desires ultimately lead to our demise? There are many psychological behaviors that can lead to many destructiveness with money. In my first post I will explore the problems. The 2 areas that I believe I struggle in the most are:

1. The Need to Please

I ultimately believe that a person has to please others because they deeply yearn for others acceptance. It is through this need of acceptance that we will display various behaviors that we never expect and don’t realize until the actions have already occurred. During extreme needs to please we buy stuff that we can’t afford to please people we don’t even like. Our whole reality takes on a form of a needy child that has never known love. Which leads to the next example.

2. The Need to Feel Accepted

Whether it was being the last picked during basketball (me) or not wearing the right kinds of jeans (you know the ones with all the drawings on the butt). We feel left out. We want to gain acceptance from worldly items. We go out and buy expensive clothes so that we can keep up with the ladies at church. Guys buy toys that they can show off to their buddies. In reality, we just want to have the stage for a few minutes. We want to be talked about for awhile.

And yet in the background we wreck our families. We destroy our homes. We lose the respect that we need the most; our kids and spouse. It doesn’t have to end like that though. Hope is attainable. Your life can be meaningful. You can be happy without worldly possession. You don’t have to die by the sins of the father. I will tackle the steps you must take to find your yourself in my next post and how gaining your identity will help you win with your finances.

Do you struggle with the need to be accepted and please others?

Do you know someone that does?


Slap Yourself in the Face and Make It Happen

I wonder where I would be if one day I could just get past my selfish wants. I wonder how much further ahead my family would be if I could look in the mirror and not first think of myself. Here are 6 important tips to getting over yourself and begin conquering the giants that hold you back.

1. Vision is key. You have to cast vision for your life journey. You need to write down a statement that will ever define you as a person.

2. Keep the end in mind. You will always here the token phrase “What do you want your epitaph to say”? The challenge is to live that out everyday. You must constantly strive to leave the legacy that you set out when casting your vision.

3. Check your pride at the door. Pride is a common killer to leaps of faith. You were not born to live life with caution. It seems the bigger the feat the more detractors you will have. Put the detractors in a sleeper hold (figuratively) and make your dreams happen.

4. Never go on a trip without a road map. Before you set out you have to make a plan of action. Be careful though not be paralyzed by analysis.

5. Don’t go alone. We were created for relationship. Find a partner whether it be your spouse or close friends. Always have an accountability partner. It is easy to lose yourself without outside perspective.

6. Dream big. A mentor of mine once told me to dream so big that others might laugh at you. Faith is what will help bridge the end of yourself and the beginning of a seemingly impossible reality.

Now GO take a good look in the mirror. If you don’t like what you see SLAP YOURSELF (figuratively) and start conquering your dreams.

Important Resources for Making It Happen:

Family Vision

What is Accountability?

How to Apply a Sleeper Hold (literally)


Relevant Magazines Interview with Dave Ramsey

Check out the latest article from Relevant Magazine (@RELEVANTMag) with Dave Ramsey (@ramseyshow). He really hits a home run with this all inclusive article facing debt head on.