Saving and investing money for the future is good stewardship. Erika F. Puni

Walking in God’s Favor: But don’t begin until you count the cost. For who would begin construction of a building without first getting estimates and then checking to see if he has enough money to pay the bills?  Otherwise he might complete only the foundation before running out of funds. And then how everyone would laugh! Luke 14:28-29 TLB

To Enjoy Your Golden Years Save More Today 

You must begin with the end in mind. If you plan to become faithful stewards of your wealth in this life you must be willing to pay the price. You are going to have to develop the habit of saving.

Years ago, Ardella and I began planning to save a certain amount of money from our income so that we could have the flexibility to follow our dreams,  passions and opportunities in life during our golden years.

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One of our passions is sharing real life experiences with newly married and engaged couples. We share practical tips we have learned in our own marriage and from other married couples like Les and Leslie Parrott www.lesandleslie.com who also enjoy their marriage and have a passion for mentoring married couples.

You Are Never Too Old To Pursuit A New Dream

Let’s face it, as you gracefully age, you generally have less energy and your health slowly begins to decline. As a result, you need to manage the amount of physical activity and maximize the results, so you don’t injure or prematurely kill yourself.  In other words, you have to work smarter not harder.

While you are young and healthy you must develop the practice of planning for your golden years. Otherwise, your golden years will not be so golden.  Many employers are no longer contributing or providing retirement plans for their employees. Therefore you must become  personally proactive  in saving and investing money for your golden years.

With that in mind, what is your plan? Do you have an emergency fund for the storms of life that are sure to come if you live long enough? Have you begun setting aside money for your golden years?

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Practicing The Joseph Principle 

The Joseph principle is the ability to look around the corner and anticipate life’s challenges you may or may not face one day.  In the Bible, Joseph wisely counseled Pharaoh in the book of Genesis to plan and prepare for the future.

And let them gather all the food of those good years that are coming and store up grain under the authority of  Pharaoh  and let them keep food in the cities. Then the food shall be as a reserve for the land for seven years of famine which shall be in the land of Egypt that the land may not perish during the famine.” Genesis 41:35,36  (NKJV)

Joseph was divinely given the principle of saving for the storms of life, and saved the entire Egyptian nation and his family.   There are many lessons you can learn and practice in your life from the Joseph principle. Most importantly; begin with the end in mind.

Prayer of Blessing: Lord help us to plan wisely for our future.

Michael J. Vance is the co-host of a weekly podcast Better Husband Father Man a hub for all things parenting, marriage and self-improvement. He is a financial & benefit risk manager  with Hundley Batts & Associates  Insurance Agency and the co-founder of Stewardshipofwealth.com  Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. She is a gifted educator and a Master Guide in the Pathfinders  Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 3 decades and share their lives with four adult children and nine grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook  ”Stewardship of Wealth“

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It is not how much you do, but how much love you put into the doing that matters. Mother Teresa

Walking In God’s Favor: You shall love the Eternal One your God with everything you have: all your heart, all your soul, all your strength, and all your mind, and love your neighbor as yourself. Luke 10:27 VOICE

The Power of  Love

Does love motivate your decisions? Faithful stewards have discovered in their spiritual journey that God’s nature is love. That He gives each of you the freedom to discover His loving nature for yourself. The Creator freely gives you opportunities to experience His divine love. The faithful steward understands that God only wants what is best for your good and His glory.

Living For the Love of God  

Our Creator has a purpose for your life and He is calling you to a higher level of stewardship. We love what the book of Jeremiah says in chapter 29 verse 11. “I know the plan I have for you, declares the Lord. Plans to prosper you and not harm you, plans for your hope and a future”. Wow! Now that is the kind of God we choose to love. We know He has everything under control and loves us deeply. When you learn to let go and let God….that’s when things start happening.

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The Stewardship Of Love 

I clearly remember when I began the process of looking for a life partner. I prayed that my future wife  would be someone who truly loved God.  We would be able to connect spiritually. It was very important to me that we shared our love for God with one another. I was raised in a home where I observed my parents praying to God with one another, worshiping God with one another, and trusting in God with one another. The love of God seemed to be a high priority in their relationship.

I am so thankful to God for bringing Ardella into my life. Every area I have allowed Ardella to touch, has turned to gold. We have prospered in our spiritual life, our family life, our professional life, and our financially life. Over the years, God has continued to bless our marriage, our family, and our lives as we continue to grow stronger in love with Him as well as each other.

Faithful stewards have learned to make intimacy with God their highest priority. God is faithful. He loves you with an unending love. There are no boundaries to God’s love for each of you.

Prayer of Blessing: Lord, thank You for Your love.

Michael J. Vance is the co-host of a the podcast Better Husband Father Man a hub for all things parenting, marriage and self-improvement. He is a financial & benefit risk manager  with Hundley Batts & Associates  Insurance Agency and the co-founder & of Stewardshipofwealth.com  Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. She is a gifted educator and a Master Guide in the Pathfinders  Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 3 decades and share their lives with four adult children and nine exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook  ”Stewardship of Wealth”.

I have learned in my life that when I give of myself and when I know I am helping others to reach their fullest potential, my heart is strengthened and my soul is enriched. Sheila C. Johnson

Walking In God’s Favor: Tell those rich in this world’s wealth to quit being so full of themselves and so obsessed with money, which is here today and gone tomorrow. Tell them to go after God, who piles on all the riches we could ever manage—to do good, to be rich in helping others, to be extravagantly generous. If they do that, they’ll build a treasury that will last, gaining life that is truly life. 1 Timothy 6:17  MSG

Who Wants To Become A Millionaire?

We enjoy encouraging people who have a plan, passion, and a purpose for becoming  wealthy.  You can be in the middle of a recession and you will find people who continue to seek creative ways to realize their financial goals. We believe personal stewardship is the pathway to your success.

Deciding to become a better steward of your wealth takes wisdom, diligence, and prayer. If you seek the spiritual power that God gives you to get wealth, you are going to have to think differently, and make choices that will move you toward your financial destiny.

Identifying North America’s Millionaire Families

You will be surprised to discover the profile of those who accumulate financial prosperity in America. According to Thomas J. Stanley & Williams D. Danko, authors of the The Millionaire Next Door, who researched Americans that have a net worth of a $1 million or more.

Their findings are interesting. Usually the person is an entrepreneur, who has lived in the same city all their adult life. They own either a service company, small factory, or chain of stores. They remain in a lifetime relationship and have married once. They live next door to people with a fraction of their wealth. They earned their money on their own, and 80%  are first generation rich.

Millionaire Families Life Lessons or Traits 

Here’s seven common traits or life lessons found in millionaire families who successfully created wealth in North America:  (Adapted from the The Millionaire Next Door)

1. They live well below their means.

2. They balance and integrate their time, energy, and money efficiently in ways that create wealth.

3. They believe that financial independence is more important than displaying high social status.

4. Their parents did not give them their wealth.

5. Their adult children are economically self-sufficient.

6. They are good at finding and targeting marketing opportunities.

7. They chose the right occupation.

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Do you want to leave bills or benefits to your family? Jesse Jackson in his book, It’s About Money, says “Income without wealth, is just flash without cash.” Always remember,  income is based on your paycheck, and wealth is based on your assets (what you own). What you own is your assets minus your liability equals your net worth. True wealth can be passed along to your children’s children.

Prayer: Lord, thank You for wisdom that creates wealth.

Michael J. Vance is the co-host of a weekly podcast Better Husband Father Man a hub for all things marriage, parenting, and self-improvement. Michael J. Vance is the financial & benefit risk manager at Hundley Batts & Associates Insurance Agency. Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. Ardella Vance is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vance’s have been married well over 30 years and share their lives with four adult children and nine grandchildren. They currently reside in Huntsville, Alabama and blog from their 30-day spiritual guide  “The Stewardship of Wealth“.

I have learned that success is to be measured not so much by the position that one as reached in life as by the obstacles which he has had to overcme while trying to succeed. Booker T. Washington

Walking In God’s Favor: Follow my example, as I follow the example of Christ. I Corinthians 11:1 NIV

Honesty & Integrity is a critical factor in a succcessful life

You empower others to grow when they can see a living example. Nothing is more discouraging than a leader who gives good advice but sets a poor example.  On the other hand, nothing can be more encouraging or inspiring than a leader who lives the life he or she talks about.

Taking Responsibility for Your Choices

Level 4 stewards internally recognize the importance of being who you say you are. Personal integrity has a tremendous impact on your own life and those around you.

In my early 30′s, as a young husband, father, leader, and business man,  I made it a goal I would not teach or speak publicly about principles I was not practicing in my own life.

Warren Buffet says “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently.

Integrity; Vitamins For The Soul

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Healthy Choices

This idea to be transparent in your public life  can help you to set positive goals of faithful stewardship in how you prioritize your time,  develop your God- given gifts, care for your body-temple and save & invest your financial resources.

Spending quality time with your spouse, attending your children or grandchildren’s events,  exercising regularly and eating healthy foods, budgeting your personal finances, along with setting business goals requires you to consider who you are and the example you leaving others to follow.

Prayer of Blessing: Lord help us to choose to live with honesty & integrity.

Michael J. Vance is the co-host of a weekly podcast Better Husband Father Man a hub for all things marriage, parenting, and self-improvement. Michael J. Vance is the financial & benefit risk manager at Hundley Batts & Associates Insurance Agency. Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. Ardella Vance is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vance’s have been married well over 30 years and share their lives with four adult children and nine grandchildren. They currently reside in Huntsville, Alabama and blog from their 30-day spiritual guide  “The Stewardship of Wealth“.

The best economic stimulus plan I can prescribe is ending the love affair with money and dependence on debt, and replacing them with an underlying trust and reliance on God. Lee Jenkins

Walking in God’s Favor: Owe no man anything, but to love one another: for he that loveth another hath  fulfilled the law. Roman 13:8 KJV

Creating Wealth Starts By Eliminating All Possible Debts

We believe overcoming financial bondage is one of the greatest struggles for those of you seeking financial freedom. Many of  you only dream of saving money. In many instances you do not experience financial health because you are trying to borrow yourselves into wealth. You want to look rich to cover your raggedness. You desire to appear prosperous to hide your poverty. You feel that wealth can heal your wounds.

Some People Go Into Debt, Just To Keep Up With People Already In Debt

Many of you do not see anything wrong with living in debt. The more you can borrow the better. We didn’t either at first; just like the story of the frog . I’m told if you put a frog in a pot of water on a stove with no lid, and gradually turn up the heat, the frog will remain in the pot until it is cooked alive, even though the frog has the ability to easily jump out of the pot at anytime.

Initially we felt debt was a good thing; just a financial tool. It allowed us to obtain things we felt we needed  now and we could pay for it later….WOW! That sounded like a good deal… Just like when the serpent lied to Eve in the Garden of Eden. He told Eve if she ate of the tree of good and evil she would not “surely die”. Listen to me people, if you play with snakes you will get bitten.

The Borrower Is A Slave To The Lender

Debt has been successfully marketed by banks and financial institutions in the United States as your pathway to prosperity. As a result, many of you have found yourselves in financial bondage with little or no hope of ever experiencing financial freedom again.

If you are in bondage because of debt, your first step into financial freedom is to admit your finances are out of control. If you continue to live in denial, you won’t seek help and you won’t break free.  The Bible says that “the borrower is slave to the lender”. Ask God, in prayer, for the power  to break break free of  debt. With God, and a made up mind, you can experience financial freedom.

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We invite to join our Stewardshipowealth.com Community Empowerment Session January 17th  with Fountain of Life Ministries. We will introduce you to the principles of stewardship and share some tips for debt free living.

Prayer of Blessing: Lord, give us the desire to live debt-free.

Michael J. Vance the co-founder of Stewardshipofwealth.com. He is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency and is the co-host of a weekly podcast Better Husband Father Man.  A hub for all things, parenting, marriage, and self-improvement. Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. She is a gifted educator and a Master Guide in the Pathfinders  Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and nine exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook  ”Stewardship of Wealth.”

Giving back involves a certain amount of giving up. Colin Powell

Walking in God’s Favor: But since you excel in everything—in faith, in speech, in knowledge, in complete earnestness and in the love we have kindled in you —see that you also excel in this grace of giving. II Corinthians 8:7 NIV

The Bank of Generosity, Is Never Bankrupt

Among our siblings, our sister Vonseal’s life modeled the spirit of giving. If you had a financial need and told Vonseal, she would give to you generously. Even if you did not mention your financial need to Vonseal, if God spoke to her heart to meet your financial need, she would graciously give it to you. She was a living example of how God employs gracious givers to become a blessing in the lives of others and to spread His incredible love upon the planet.

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April 21, 1954 – October 13, 2015

I can personally say, having Vonseal as a sibling was a tremendous blessing in my life. She was a tremendous blessing to our family, to a community of friends, and the world is a better place because she passed through it. She was a generous giver of her time, she was a generous giver of her talents, and she was a generous giver of her financial resources to whatever causes she was passionate about. Anyone who knew Vonseal, will tell you how God was moving all over her life and pouring His favor upon her each day, each hour and each moment of her life.

Are you growing in your personal  stewardship?

Level 4 stewards are gracious givers. They are gracious in giving of their time, they are gracious in sharing of their talents, and they are gracious in giving of their financial resources. Most of you have people in your lives or know someone with the spirit of giving.

Ardella and I can personally acknowledge, whatever we give graciously and cheerfully to God, He multiplies it back to us in so many ways. Jesus said in Luke 6:38 “Give and it will be given to you. A measure, pressed down, shaken together and running over, will be poured into your lap”. We are passionate about sharing our financial peace journey with meaningful others.

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Do More For The World, Than The World Does For You

Level 4 stewards are not only gracious givers, they are motivated out of their love for God and for people. The heart of the faithful steward says, “All that I have is Yours, Lord.” When you choose to give out of your love for God, He pours His favor over your life. If you are seeking God’s favor over your life, begin giving graciously from a place of love and joy.

As faithful stewards, you are examples all day, everyday, no excuses of God’s sustainable love for you. God loves you so much, He graciously gave up His Son. His Son, Jesus Christ, loves you so much, He graciously gave up His life. What are you willing to graciously give up to make a difference in the lives of others and the world?

Prayer of Blessing: Lord empower us with Your spirit of giving.

Michael J. Vance is the co-host of a weekly podcast Better Husband Father Man a hub for all things parenting, marriage and self-improvement. He is a financial & benefit risk manager  with Hundley Batts & Associates  Insurance Agency and the co-founder & of Stewardshipofwealth.com  Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. She is a gifted educator and a Master Guide in the Pathfinders  Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and nine exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook  ”Stewardship of Wealth

You’re the only one who can make the difference. Whatever your dream is, go for it. Earvin “Magic” Johnson

Walking in Gods’ Favor: Not that I was ever in need, for I have learned how to be content with whatever I have. Philippians 4:11 NLT

Wealth Is The Fruit Of labor, It Begins With Saving Money

Queen Latifa stars in a movie titled, Last Holiday. She is mistakenly told by her doctor that she has a terminal illness and has a very short time to live. Believing that she is dying and her days are numbered, she decides to do the one thing on her bucket list that she has dreamed about her entire life; travel to Europe.

She goes to her bank and withdraws all her life savings. She intends for this dream vacation to be an experience of a lifetime. Queen Latifa’s character in the movie books  her plane travel first-class in order to feel once in her lifetime, what the rich people enjoy when they travel.

She books her hotel reservation in a five-star hotel where the rich people stay and picks the high-rollers’ penthouse suite, which includes the luxury pamper  package only for the rich people. She dines out every night at the finest five-star restaurants where the rich people eat. She lives on the financial edge as if there is no tomorrow.

If You Desire Wealth Think Of Saving As Much As Getting

Many of you live your financial lives pretty much the same way during the holiday season.  You spend as if there is no tomorrow. One of the definitions of  maturity  is learning to delay pleasure. If you struggle in your spending during the holidays like many Americans, here’s 5 tips from Financial Peace University  www.fpu.com to help you make wise choices when buying items over $150:

1) Wait over night before buying. Sleeping on it takes the edge off you.

2) Consider your buying motives; why and why now?

3) Don’t buy things you don’t understand or can’t explain.

4) Consider the opportunity cost. Would the money be better invested or saved?

5) Seek the counsel of your spouse. If single, seek the counsel of a mature Christian you know and respect.

Become A Master Of Your Money Not A Slave

If God blessed some of you with money with your current character traits and mind-set, your desire for instant gratification, your impulsive  tendencies that are out of control, and your media-driven consumer mentality would cause many of you to blow most, or all of  God’s financial blessings. Our mission is changing future generations’ mind-set.

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When God opens the doors of heaven to pour out financial  blessings on you, spend that money wisely.  Learn to make a plan, give to God, give to yourself, and have some fun. You are invited to visit our Financial Peace University class  www.fpu.com  starting  Sunday 4:00pm January 21, 2018. We will walk you through the step by step playbook to win with your money.

Prayer of Blessings:  Lord, we will honor You in our finances.

Michael J. Vance is the co-founder of Stewardshipofwealth.com and the co-host of a weekly podcast Better Husband Father Man your hub for all things marriage, parenting, and self-improvement. Michael J. Vance is a financial & benefit risk manager with Hundley Batts & Associates Insurance Agency. Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate about. Ardella Vance is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vance’s have been married well over 30 years and share their lives with four adult children and nine grandchildren. They currently reside in Huntsville, Alabama and blog from their financial workbook  “The Stewardship of Wealth“