Just Good Enough Doesn’t Cut It In The Area Of Giving

Photo by Jay Nungesser

In A Hot Pursuit of Excellence

Have you ever discovered something in life that really captures your interest?

Something that consumes your thoughts? Something that drives you to spend more time, energy, and resources on that one thing? That one thing you want to be excellent in above all other things?

When I was a young man, playing the trumpet was my one thing. My parents and I poured our “extra” time, energy, and financial resources into my fledgling music career.

I practiced at least three hours a day. My parents and I travelled across town 45 minutes in each direction in order for me to take trumpet lessons once a week. I played in three different area civic orchestras which not only took rehearsal time to participate in each week, but lots of travel time and personal energy as well.

We spent money on gas getting from one music activity to another. We spent money on lessons. We spent money on music, new trumpets, accessories, and repairs. We spent thousands upon thousands of dollars in a hot pursuit of excellence for me to be the best trumpet player I could be.

Have you ever had one thing that has driven you to attempt to be the best at in this life?

Excellence In Giving

Have you ever considered that God wants us as Christians to be excellent in the area of giving? With that same passion, drive, and energy that we put into our own pursuits, God wants us to put that into giving as well.

In 2 Corinthians 8:7, we read these words written by the Apostle Paul to the church at Corinth:

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.

The word excel used in this verse carries with it the idea of abounding or overflowing. Excellence in giving means we aren’t just meeting the minimum requirements. We are going above and beyond the minimum.

Paul tells these Corinthian Christians that they are excellent in a lot of important areas. They are putting in a lot of time, energy, and resources into other areas of their Christian walk – faith, speech, knowledge, earnestness, and love. He reminds them to put that same kind of passion, that same type of enthusiastic energy into the area of giving.

In the eyes of God, good enough doesn’t cut it when it comes to this area of giving.

Questions: So, how about you? Are you excelling in this grace of giving? If not, why not? What do you need to do to start excelling in this area of your life?

See my Giving Talk Video below where I addressed this same issue:

How To Deal With An Inescapible Role That You Don’t Really Want To Fill

Photo by Chuck Olsen

Photo by Chuck Olsen

Funeral Minister For A Day

He’s dead?

There’s no way that could have happened. He’s still relatively young!

These are the thoughts I had a few weeks ago when I learned that one of my former church orchestra members had past away in his sleep.

My friend had moved out-of-state a few years ago for a new job position, so I hadn’t seen him in quite some time. As the news sunk in and became reality for me, I thought about my friend and our relationship. I reflected back on my memories with him.

I was under the assumption that his funeral would be out-of-state where he currently lived, but then, the phone call came. His wife asked me to officiate his funeral here in town. They were shipping his body back in order to do a local funeral for all the family members. She told me that he would want me to officiate his service.

Deep down, I knew she was right.


What do you say to a request such as that? A request way outside of your comfort zone.

Honestly, I’m not a huge fan of attending funerals, let alone officiating one for someone I know.

I’m Not Qualified

I have officiated several weddings, but only one funeral. That one funeral was relatively “easy” to officiate because I didn’t personally know the person who had passed away. I had no emotional connection.

But, with my friend, I did have an emotional connection. I knew this was going to be difficult for me to do.

So, how do you deal with a challenging, uncomfortable role such as this that you really don’t feel capable of fulfilling?

6 Thoughts On Filling A Role You Really Don’t Want To Fill

Here was my approach to filling this role that I was asked to do:

  1. Acknowledge the need. The family needed an officiant for the funeral. It would need to be me or another minister. Deep down, I knew my friend’s wife was right. I couldn’t argue with her. I knew that my friend would want me to officiate his service. I had to accept this role, even though it was going to be extremely uncomfortable and emotional for me.
  2. Be confident in whatever experience you do have to help you. The biggest argument I had against doing this service was lack of experience. I had only preached one other funeral several years ago. But how do you gain experience preaching funerals? There’s only one way, by preaching funerals. Yes, I do have public speaking experience. Yes, I have script writing experience. Putting together a funeral script and preaching that script may be challenging for me, but I know that I have enough experience to do this. Be confident in the abilities God has given you.
  3. Seek advice. As soon as I knew I was going to need to prepare this funeral service, I started emailing a couple of other pastors I know for advice. They gave me some great ideas, and I was off and running in getting the funeral script and service put together.
  4. Prepare heavily. I spent quite a bit of time writing and re-writing the funeral script. Then, I spent additional time reading through and practicing the script. I visualized myself standing before the family and his friends as I delivered the various elements of the service.
  5. Pray for strength. When I was in the car driving to the funeral that morning, I spent quite a bit of time praying to the Lord for supernatural strength. He provided exactly what I needed, when I needed it!
  6. Be Authentic. I’m an emotional guy. I’ve been this way since I was a small boy. I probably could have done a better job fighting back the tears as I preached my friend’s funeral, but I allowed myself to feel the emotions of losing him. I was really in tune with the words that were coming out of my mouth. I wept occasionally as I spoke. I was overcome with emotions. In many ways, I felt like a failure as a funeral minister, but I had several friends and family members approach me after the funeral saying what a wonderful job I did. People appreciate authenticity over “having your act together.” Isn’t it strange how that works?

Questions: Have you ever had to assume a role that you really didn’t want to do? Do you agree or disagree with my approach? What was your approach?

Book Review: From Zero to Hero in Your Finances

From Zero to Hero In Your Finances BookBackground

As a stewardship pastor and blogger, I was recently encouraged to check out the book From Zero to Hero in Your Finances by Dr. Richard Knapp.

Christian stewardship isn’t always the easiest topic to tackle, especially in a book format. If approached in the wrong manner, the subject matter can come across as dry and boring, or even worse, as legalistic and condescending. Dr. Knapp did an excellent job with his approach on the topic of stewardship. I found his book to be entertaining, and at the same time quite convicting!

6 Key Aspects Of The Book That Make This Book Worth The Read

There were several aspects of this book that I really enjoyed. Due to these key parts of the book, I know I will find myself coming back to this book for future research and inspiration in the area of stewardship.

Here are the 6 key aspects of the book I enjoyed:

  1. A Quick and Easy Read. As I mentioned above, the topic of stewardship can be potentially stuffy and boring to many, but I enjoyed Dr. Knapp’s approach to this book. Each chapter was concise, had a good flow, and got straight to the point. Nicely done.
  2. The Concept of Well-Digging. The opening chapter talks about this interesting idea of digging wells. I had never consider this approach in this way before, but it does make complete sense to me. I had one of those “I could have had a V8” experience when I read through this particular chapter. Dr. Knapp explains that “ … wells symbolize God’s provision and blessing. Abraham dug many wells, which were later filled with dirt by the Philistines, a type of the enemy.” You can read Genesis 26:18-19, 22 as well as Isaiah 12:2-3 for the Old Testament inspiration for the overall concept. Here’s a very brief synopsis of what Dr. Knapp writes about “well digging”: “When a well has been properly dug, the water flows freely into it. The water from a functional well will always be available, not only to us, but to others around us. The devil, however, will constantly try to throw unbelief into our wells to dry up our faith in that area … Digging a well is an active spiritual process, not a passive mental one.”
  3. Personal Stories from the Author’s Life. Stories are always excellent ways for an author to connect with his audience. Dr. Knapp shared several of his own personal stewardship stories that were interesting and convicting. His stories were a great reminder that I still have much to learn in the area of stewardship.
  4. Stewardship Testimonies from the Lives of Others. Not only did Dr. Knapp share his own stewardship stories, but he also included several stories and testimonies from others. These were very inspiring as well. I’ll probably be “stealing” some of these stories for a few Giving Talks at my church in the near future.
  5. Tons of Scripture to Support Each Chapter. At the end of every chapter, Dr. Knapp listed a lot of Scripture to support the particular concept he was teaching for that chapter. I will definitely be using this part of the book as a resource as I teach on key areas of stewardship.
  6. Written-Out Stewardship Prayers. Most chapters of the book have a written-out stewardship prayer of confession. I’m definitely coming back to these for inspiration for public prayers with our congregation.

If you have a passionate desire to grow deeper in this area of Christian stewardship, then I highly recommend picking up a copy of this book.

Do You Act Like A Little Kid When It Comes To Giving?

Photo by Worapol Sittiphaet

Photo by Worapol Sittiphaet

“No” and “Mine”

I have four daughters.

Yes, there’s a lot of estrogen flowing at my house, and this daddy is a big sap with his girls.

At the time of this writing, my third daughter, Katelynn, is 22 months old. She is quite the little chatterbox at this stage in life, and she has two favorite words right now. You may even be able to guess what they are!

The first word is “NO.” The second word is “MINE.”

Did mommy and daddy teach her these words? Well, not intentionally at least. This is simply the human condition, our sin nature, at work.

So, this is typically what happens at the Jones’ house. Katelynn will get a hold of something as simple as my car keys. I will politely and lovingly ask her for my keys back, because I need them. And, what do you think the first two words are out of her mouth?

Of course, her two new favorite words – No and Mine! And then, she doesn’t want to obey daddy and give them back. I end up in a little wrestling match with this sweet, little adorable girl to get my keys back! Once I have them yanked out of her hands, she has a meltdown.

We Can Act Like Little Kids, Too!

I know this is a fun and adorable story about my little girl, but unfortunately, the sad reality is that this happens with us as adults too.

God has richly blessed us. He has given us money, talents, abilities, food, cars, clothes, and houses that He ultimately wants us to use for His glory.

Then, the Holy Spirit taps us on the shoulder and says, “Hey, Larry. I’d really appreciate if you would give at least 10% of your income on a consistent basis.” Or maybe He says, “I’d really like you to cook a meal and take it to a family that needs help.” Or, “I’d like you to give a few dollars to that homeless guy on the corner.”

But, we end up just like my daughter Katelynn. We take ownership of what is already God’s to begin with and those two favorite words come spilling out of our mouths, “No, God. Mine!”

God’s Word teaches us that everything belongs to Him to begin with. In Psalm 24:1, we read these words:

“The earth is the Lord’s, and everything in it, the world, and all who live in it.”

See my Giving Talk Video below where I addressed this same issue:

Questions: What is God asking you to give, today? Why haven’t you given it to Him, yet?

5 Ways to Achieve Critical Mass Momentum Like The Kansas City Royals

Photo by Keith Allison

Photo by Keith Allison


It’s one of those aspects of life that is very difficult to quantify.

When an individual or an organization achieves momentum, how in the world are they able to accomplish that?

At the time of my writing this article, my hometown baseball team the 2014 Kansas City Royals have been able to achieve somewhat of a miracle for their franchise. For the first time in 29 years, the Royals have finally been able to make postseason play. The last time they made the playoffs was the year they won the championship in 1985.

The Royals were off to a great start at the beginning of this season but lost their way in June and July when they fell 8 games behind the Detroit Tigers. But since July 22, the Royals have been on a 41-23 tear that landed them a spot in the American League Wildcard game with the Oakland A’s. And now, the rest is history, at least up to the point of my writing this on October 8. The Royals have won their last four postseason games in a row.

So how has a wildcard team, a come from behind team such as the Royals, been able to accomplish great things over the last few months? Simply put, they are riding a tremendous wave of momentum.

But how did this momentum happen? How have the Royals been able to manufacture momentum while other perhaps “better” teams have not been equally successful?

Here are my thoughts on how some teams are able to achieve momentum while others are not.

5 Ways The Royals Have Achieved Momentum

  1. They posses team unity. A few days ago, I was watching the ALDS series with the Royals and Angels, and one of the commentators mentioned that what made the Royals unique was the fact that this ball club is not a collection of superstar players like other teams. The Royals seem to be able to check their egos at the door and do whatever they need to do for their team to win. Sometimes superstar players have a way of making decisions that benefit themselves and not necessarily the team. If you want momentum, focus on the team and less on yourself.
  2. They are focused on their strengths: speed, defense, pitching, and bullpen. These are the core strengths of the KC Royals. They are not big home run hitters. Most of their games have low scores because they are not the best offensive players. But, they also understand if they excel in their strengths, they don’t necessarily need a lot of runs to win ball games.
  3. They are working hard. Left fielder Alex Gordon is somewhat of a legend for his passion, desire, and work ethic. It is well-known that Gordon often arrives to the ballpark before even the coaching staff gets there. He has “heart and hustle” and helps the team every way he possibly can.
  4. They benefited from excellent timing. Many times, momentum builds completely on the “luck” of good timing as has happened with the Royals. But who knows. Perhaps the timing has been right because the team has put in the hard work and focused on their strengths? Maybe it’s more than just “luck.”
  5. They are having fun! You can tell the Royals are really enjoying this season. Royals outfielder Lorenzo Cain recently said, “We’re going to enjoy it, going to have a blast, and hopefully we can just celebrate like this. This is awesome.”

Questions: Have you ever been part of a team that experienced a tremendous surge of momentum? What would you attribute that surge to? Are you a Royals fan? Am I missing any other big reasons why the Royals have done well this season?

Feel free to leave a blog comment for me and join the conversation.

Not Sure Where To Begin? Here’s The Starting Point For Christian Financial Stewardship

Photo by Kelvin Dickinson

Photo by Kelvin Dickinson

Making Plans

People have plans for lots of stuff in this life.

A woman who is about to be married spends hours flipping through wedding magazines, scanning websites, calling florists, and talking to caterers. She has a plan to create the most beautiful wedding known to mankind!

A professional executive in the workplace has a strategic plan and a daily task list. He has a plan to climb the corporate ladder and become a successful CEO one day.

Families often spend weeks planning out their ultimate summer vacation. Since they’re about to spend a lot of money, they want to get the biggest bang for their buck and have a great time.

But, these same people put together a financial plan? Are you kidding me? Nah, they would rather just shoot from the hip and roll the dice. They have thousands of dollars of income flowing into their bank account each month but have no desire to manage what is coming in. That’s too restrictive, constraining, and absolutely zero fun!

So, why do people spend so much time planning for special occasions such as weddings, vacations, or work projects but have no desire to put together a financial plan?

Because there is a sense of pressure and expectation for these other events.

A memorable wedding has high expectations all around it. The bride, groom, parents, family, and even close friends all have certain expectations wrapped up in a couple’s wedding ceremony.

A professional executive position has pressure and expectation from the first day he has been hired. This person is under the gun to perform at a high level to achieve success in their career not only for the company they work for, but also to provide for their family.

A big family vacation may only happen one time a year, but the parents and children all want the biggest return for their time and money. Plus, they want to outdo last year’s trip. They are expecting to have the time of their lives.

I find it interesting, though, that most people don’t put themselves under the same kind of pressure and expectation when it comes to money. And, I find it even more interesting that the majority of Christians have the very same mindset as the rest of the world.

But God has high expectations for those who claim the name of Christ to be excellent managers of money.

God and Money

So, why would God have high expectations for me and my financial life?

Because everything you have belongs to God in the first place. Your money, your house, your car, your career, your talents and abilities, your health, your spouse, and your children are all His, not yours. This is the starting point for an understanding of what Christian stewardship is all about.

“The earth is the Lord’s, and everything in it, the world, and all who live in it;” (Psalm 24:1).

You may be thinking to yourself, “Now, Larry. I worked hard for all I have. I went to college for six years. I climbed the corporate ladder. I amassed all my earthly possessions. I found my spouse and we created children, together.”

Yes, that may all be true, but according to the above verse, God owns everything. And because He owns everything, He is expecting you as a Christian to be an excellent manager of His stuff.

“Moreover it is required in stewards, that a man be found faithful” (I Corinthians 4:2).

Even Jesus taught His followers this principle in the Parable of the Bags of Gold in Matthew 25:14-30 (NIV):

“Again, it will be like a man going on a journey, who called his servants and entrusted his wealth to them. To one he gave five bags of gold, to another two bags, and to another one bag, each according to his ability. Then he went on his journey. The man who had received five bags of gold went at once and put his money to work and gained five bags more.  So also, the one with two bags of gold gained two more. But the man who had received one bag went off, dug a hole in the ground and hid his master’s money.

“After a long time the master of those servants returned and settled accounts with them. The man who had received five bags of gold brought the other five. ‘Master,’ he said, ‘you entrusted me with five bags of gold. See, I have gained five more.’

“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’
“The man with two bags of gold also came. ‘Master,’ he said, ‘you entrusted me with two bags of gold; see, I have gained two more.’

“His master replied, ‘Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!’
“Then the man who had received one bag of gold came. ‘Master,’ he said, ‘I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your gold in the ground. See, here is what belongs to you.’

“His master replied, ‘You wicked, lazy servant! So you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest.

“‘So take the bag of gold from him and give it to the one who has ten bags. For whoever has will be given more, and they will have an abundance. Whoever does not have, even what they have will be taken from them. And throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.’

From this parable, we see three servants who had plans for the money that had been entrusted to them by their master. Two of the three got the money plan right. The third servant got it wrong. The two servants who got the money plan right were rewarded. The one who got their plan wrong was punished.

Are You Even At The Starting Point?

In this post, we have seen that there are two parts to the starting point for Biblical finances.

First, you must a have a plan. Having a casual approach to money accomplishes nothing. You have to a vision of what you absolutely need to accomplish with the financial resources you have been entrusted with.

Second (and most importantly), you must acknowledge that God own everything that you have – your time, energy, health, relationships, abilities, and, of course, money. As a child of God, He is expecting you to manage His stuff with excellence.

Question: Do you have a financial plan and have you acknowledged that God is the owner of all He has asked you to manage?

3 Ways My Parents Taught Me To Love God And His Church

FBR t-shirtLoving His Church

In the month of September, my church has been celebrating our love for our church. We’ve been wearing special “I love my church” T-shirts on Saturdays all around the Metro Kansas City area. We’ve been taking “selfies” of ourselves wearing these T-shirts around town. We’ve been writing social media posts about why we love our church. We’ve even been hashtagging our love on social media with the hashtag #loveFBR on these posts and pictures.

As we have celebrated our love for our church over the last few weeks, I’ve been reflecting back on my childhood and how I learned to love any church I’ve ever been a member.

The reason I love God and His church is primarily due to the example of my parents. As a boy growing up in my parents’ home, I learned to love my church through watching my parents love their church in 3 ways.

3 Ways My Parents Loved Their Church

  1. They gave of their time. They viewed church attendance as a priority, so anytime the church doors were open, we were there. On Wednesday nights, we were there for Awana ministry. On Sunday mornings, we were there for Sunday School and worship service. We would go back for Sunday night services. We also would also attend special missions conferences and revivals (remember those?). And now, as an adult, I’m at church almost every day, because I work for a mega church!
  2. They gave of their talents and abilities. My dad is an artist – he paints and sculpts, and he used those talents to help the church on various projects. He also served as a club leader in the Awana program. I can still remember him wearing his uniform and us kids having to wear those bright red neckerchiefs and the little plastic slides that held them in place. My dad also drove a bus for bus ministry, picking up kids and bringing them to church. My mom is a singer, and she sang solos as well as sang in the choir. She gave me a love and passion for using my musical abilities to serve God and His church in worship.
  3. They gave of their financial resources. My parents taught me how to give at the level of 10% of my income and beyond. Every week, my parents would write their check, place it in a giving envelope, and take their envelope with them to church and drop it in the offering plate. Now, as an adult in an age of electronic giving, my tithes and offerings are automatically given online each week.

In Romans 12:6-8 (NIV), we read these words:

We have different gifts, according to the grace given to each of us. If your gift is prophesying, then prophesy in accordance with your faith; if it is serving, then serve; if it is teaching, then teach; if it is to encourage, then give encouragement; if it is giving, then give generously; if it is to lead, do it diligently; if it is to show mercy, do it cheerfully.

We demonstrate our love for God and His church through giving of our time, talents, and finances.

See my Giving Talk Video below where I addressed this same issue:

Questions: Do you demonstrate your love for God and His church on a consistent basis? Are you giving faithfully of your time, talents, and finances? What talents and abilities has God given you that you could invest back into His Kingdom?

What’s The Big Deal About Christian Financial Stewardship Anyway?

Photo by Paval Hadzinski

Photo by Paval Hadzinski

The Light Comes On For Me, Over Time


Yeah, it’s a weird word. It’s a churchy word, too. Not many people really get it, either.

Twenty years ago, I would associate the word “stewardship” to tithing on Sunday mornings and church building campaigns. That’s what I thought it was all about.

Then, I attended my first Crown Financial Bible Study Class back around 2001-2002, and the light of understanding slowly began to come on as I learned what God’s Word had to say about financial matters. I learned that “my money” was not mine at all. Everything that I possess has been given to me by Almighty God to manage for His kingdom purposes.

This is the core essence of Christian stewardship. As believers, we are called by God to manage the time, money, abilities, and relationships He has given us. We aren’t supposed to squander all these resources on selfish, fleshly desires.

Here’s an excellent synopsis of stewardship taken from Wikipedia:

A biblical world view of stewardship can be consciously defined as: “Utilizing and managing all resources God provides for the glory of God and the betterment of His creation.” The central essence of biblical world view stewardship is managing everything God brings into the believers’ life in a manner that honors God and impacts eternity.

Stewardship begins and ends with the understanding of God’s ownership of all.

After I went through the Crown Financial Bible study, I ran across this blueish-green book in a local book store called Financial Peace by some guy named Dave Ramsey, who I had never heard of before. I’m reading through this book thinking to myself, “this guy makes a lot of sense. Debt is dumb. I need to get my family out of debt with gazelle intensity!” As a result of reading Dave’s book, I started listening to his syndicated radio show and eventually began coordinating Financial Peace University at my church.

All of these baby steps in the area of Christian stewardship eventually led me to take on a secondary role in my church as our Stewardship Pastor. It has certainly been an exciting as well as interesting journey as I have grown in stewardship in my own life and have attempted to teach it to others.

Why Stewardship?

So, why should stewardship be such a big deal in the life of a believer, anyway?

I believe there are several answers to this question.

First, the Bible is filled with financial wisdom and instruction. The estimates on the amount of financial verses in the Bible range from 900 to over 2,000 depending on your criteria. Needless to say, that’s a lot of Bible verses on money!

Second, Jesus Himself spoke a lot about money in the parables He taught the Jewish people. In fact, money was (possibly) His second most discussed topic with the Kingdom of God being the first. There is much theological debate on which parables dealt specifically with the topic of money, but money was a huge issue that Jesus addressed frequently in His ministry here on earth.

Third, money is one of the biggest areas of struggle for most believers. Unfortunately, the majority of Christians have adopted cultural beliefs and practices when it comes to money. Most of us have either forgotten or never been taught Biblical financial principles.

Fourth, stewardship is about more than money. The more I study and practice the principles of Biblical stewardship, the more I understand this important principle. It really encompasses every aspect of your life – your time, natural talents, abilities, money, assets, physical health, and relationships.

My Take

Here’s my own personal take on this area of stewardship. If God’s Word is filled with financial wisdom and Jesus’ own ministry focused a lot of time teaching on money management, then there are certainly good reasons for this instruction. This is an area that the Lord knows we all struggle and need to work on in our life on a continual basis. It’s not a “one and done” kind of deal, either. Stewardship is a life long pursuit.

Every day, we have to surrender our selfish, greedy financial plans and desires over to our Lord and Savior. Our primary concern should be using the resources God has entrusted to our management to advance His Kingdom here on earth and in heaven.

Questions: Do you think stewardship should be a big deal in the life of a believer? Why or why not? Is stewardship a big deal in your own life and the life of your family?

Why Some People Have An Easier Time Giving Consistently Over Others

Photo by 401(k) 2012

Photo by 401(k) 2012

The Excuses

“Larry, I wish I could give more.”

“I wish I could give at the level of ten percent of my income, but things are really tight in my family. You know how I had to take a cut in pay last year? I’m also having to help out a friend in real financial need right now. That’s kind of like tithing, right? Me helping out my friend could count toward my tithe to God, couldn’t it?”

If I had a dollar every time I had a conversation similar to this, I could build up a sizeable love offering for my church!

And while helping out friends in need is a noble deed, I can’t say that those financial gifts can “count” toward the tithe according to God’s Word. God makes it pretty clear that we are to bring His tithe and offerings into the “storehouse” [Malachi 3:10]. In the Old Testament, the storehouse equaled the tabernacle, temple, or synagogue. In the New Testament, the storehouse equals the local church that you attend.

An Easier Way To Giving Consistently

In the area of giving, some people seem to have an easier time giving consistently at the level of ten percent and beyond.

After counseling with people on personal finance issues over the last few years, I believe there are two main reasons some people have an easier time giving back to God and His church than others:

  1. They have a monthly spending plan. You know, the dreaded B word, a “Budget.” They give each dollar a name and tell each dollar what to do.
  2. They make giving to God and His church a priority in their lives. Their offerings are listed at the top of their budget form each and every month. They give God the very best of the “firstfruits” of their income [Proverbs 3:9].

I know in my own family, we have learned important Biblical financial principles – how to give, save, and spend – through ministry programs such as Financial Peace University and Crown Financial. God has blessed us in amazing ways as we have followed what His Word teaches us regarding financial matters.

All this Biblical financial stuff really does work!

In my own personal experience, giving at the level of the tithe can be relatively pain-free if you have a financial plan, if you make giving a priority in your life, and then if you follow through with your planned gift.

Execution of that plan is key!

A great way you can demonstrate your love for God and His Church is through having a financial plan and establishing giving as a priority in your life.

Isaiah 32:8 tells us, “But he who is generous plans generous things, and on generous things he stands.”

See my Giving Talk Video below where I addressed this exact issue:

Questions: Do you have an easy time giving consistently at the level of ten percent? If not, why not? Do you have a monthly financial plan? Have you established giving as a priority in your life?

Book Review: Financial Fitness: The Offense, Defense, And Playing Field Of Personal Finance

Financial-fitness-bookForced To Ponder

I wasn’t sure how to respond.

I recently made a new acquaintance at my church who studies and understands financial matters. We were discussing my stewardship pastor role at the church and my use of Dave Ramsey materials for financial instruction.

He told me that he believes Dave spends too much time on the defensive side of money. All he talks about is budgeting, getting out of debt, and emergency funds.

I really couldn’t argue too much with my new friend. He was making a solid point.

My friend then recommended that I look into the Financial Fitness materials by LIFE Leadership. So, I bought the Kindle version of their book and did a quick read on it in a few days.

In this post, I’ll share a few of the highlights of what I learned.

3 Key Elements I Learned From Reading This Book

Financial Fitness: The Offense, Defense, and Playing Field of Personal Finance by LIFE Leadership Written by Chris Brady and Orrin Woodward

1. I have perhaps spent too much time on the financial defense side of money then the offensive side. Here’s an excellent quote from the book that makes this exact point:

“Most books on personal finance start (and, all too often, end) with a focus on financial defense (how to get out of debt, protect your money, and prepare for contingencies). But defense is the wrong place to start because it creates the wrong mindset. Defense of money is vitally important, but making it the first priority often puts people in an attitude of scarcity rather than abundance. We will cover financial offense (making more money) first and then defense (protecting one’s resources) later because the values and attitudes of financial offense are naturally abundant, aggressive, and bold. Successful financial offense requires initiative, innovation, ingenuity, and tenacity—the entrepreneurial values” (Kindle location 1212).

2. I need to excel in my current job role, and then figure out a side income to throw off passive cash flow. While this wasn’t necessarily a big news flash for me, it was a good reminder for me on how to stay on financial offense. Here are three excellent quotes from this book regarding this point:

“As you truly excel in your current role, you will naturally be given more responsibility, and as you do the same with the new duties, you will build yourself into a better and better leader. This is why the offense side of finances is so important in achieving financial fitness. Whatever you are working on right now in your life, truly excel at it in order to fully invest in yourself. The natural result will be progress and increasing prosperity and opportunities” (Kindle location 1432).

“If you have a job, it means doing the same thing as an intrapreneur—thinking like an entrepreneur, a leader, and an innovator at your work, rather than just fitting in to your job description. It means adopting an ownership mentality, thinking and acting like an owner rather than just settling for an employee mentality. Focus on the owner mentality in your choices, work, interaction with others, and in all tasks, character opportunities, and relationships whether or not you are actually the owner—as an entrepreneur or intrapreneur, or both” (Kindle location 1420).

“One of the key principles of financial fitness is to increase your passive income, even if you continue to work at a primary active income source. Of course, if you are currently employed, don’t quit your job until your passive income has surpassed your active income (and you have sought professional advice, gotten out of debt, done the proper planning, and so forth). As we said earlier, you can keep carrying buckets for your employer, but it is also helpful to begin building your own pipeline of passive income” (Kindle location 1753 ).

3. I need to give more consideration to Emergency Preparation: food, water, power, guns, cash, and precious metals. In my mind, I would think that emergency preparation would fall under the area of financial defense. Brady and Woodard categorize this interestingly enough under financial offense. Here is a lengthy but excellent quote on this topic:

“Saving for a worst case includes the opposite of compounding money, which we will call “impounding.” This means putting away various forms of money just in case catastrophic things happen. Stash some cash in a safe, secure, secret place. And in case inflation ruins the value of the currency, put away some silver coins as well. Silver is better than gold for this purpose because in a worst-case world, gold will be very valuable, so a gold coin will be worth a lot more than the food you will want to buy with it. Small silver coins will be easier to trade for small needs. Gold can be used to effectively protect larger amounts from loss of value due to government inflation (more on this later). Saving for a worst case includes the opposite of compounding money, which we will call “impounding.” By the way, don’t be too extreme about this. We are not doom and gloomers, and we’re not predicting a world with roving bandits and no electricity. It could happen, but so could a lot of things. We are simply suggesting that part of sound money planning is to realize that bank holidays and closed banks can happen. They occurred during the Great Depression, even though the world didn’t end. But people with some cash and silver were able to purchase food and fuel when others could not. And major storms, natural disasters, and other challenges can come also. So be prepared. Don’t be fanatical. Just take some wise precautions. Another valuable investment on this same level is food storage. Get the kind that lasts many years and keep it in a cool, dry place. Many people store guns and bullets with their food and metal coins. Learning to hunt might be a very helpful preparation. Again, this is for last-ditch survival needs, but having it as part of your investment hierarchy can be very valuable” (Kindle location 2323).

My Recommendation

Okay, so here’s my recommendation: I highly recommend reading Financial Fitness, especially if you have been down in the trenches with the Dave Ramsey philosophy for a while. I’m not saying that the Dave philosophy is bad, but you can get too immersed in financial defense for too long. This has the potential for developing a financial scarcity mindset, which isn’t where you want to be, long-term.

This book can help you get turned back around to focusing on financial offense, which leads to abundance thinking. I wonder what this world would be like if people had thoughts of abundance rather than scarcity mindsets?

Questions: Have you read Financial Fitness? What were your takeaways from this book? Would you recommend this book to others?