1. © Brian Kluth. This PowerPoint presentation is available for download and use in a local church for non-commercial purposes for a $25 personal use fee (or as a part of the $49.95 internet package). Call Brian at 1-719-930-4000 or email bk@kluth.org to receive required permission and arrange for your credit card payment or check payment to:bk@kluth.org Brian Kluth 5201 Pinon Valley Road Colorado Springs, CO 80919 Website: www.kluth.org

3. Did you know???

4. Financial problems #1 contributor to marital stress and divorce

5. 70% of Credit card holders carry $6000- $7000 in unpaid balances (Consumer Federation of America)

6. 5,000,000,000 new credit card solicitations in 2001 = 20 for every person. Up 40% from 2000

7. 81% of College Students Have Credit Cards College seniors now average 4 credit cards with unpaid balances of $4,134 Source: www.cardweb.com

8. 40% "concerned" about their non-mortgage debt payments Consumer Federation of America

9. 47% of High School Seniors failed U.S. basic money management test Source: Milw Journal

10. $670 Billion ($2500 for EVERYONE in America!!!!) spent on legalized gambling Note: All grocery stores took in $450 Billion. (US Abstract)

11. Lowest savings & giving %’s since the Great Depression Source: Empty Tomb

12. 30 year decline in the % Christians give (1 ½-3 ½%) Source: Lilly Funded Study by Empty Tomb Inc.

13. $10-13 trillion dollars in coming estate transfers - - yet 70% without will or trust (Chronicle of Philanthropy)

14. Selecting your 5 smooth for killing the financial giants in your life 1 Sam 17:40 David took his staff in his hand, chose five smooth stones from the stream, put them in the pouch of his shepherd's bag and, with his sling in his hand, approached the Philistine.

15. Verses in the Bible & Definition of financial freedom

16. God’s WaysMan’s Ways 1-None of God’s business Pivotal to your spiritual life Luke 16:11 And if you are untrustworthy about worldly wealth, who will trust you with the true riches of heaven? Luke 12:34 Where your treasure is, there your heart will be also. Rev 3:17-18 "You say, 'I am rich, with everything I want; I don't need a thing!”

17. Dt 8:17,18 You may say to yourself, "My power and...strength... produced this wealth for me." But remember the Lord, for He gives you the ability to produce wealth. Ps 62:10 If your riches increase, don't be proud. Ps 24:1 The earth belongs to God! Everything in all the world is his! 2 - All I have is “Mine” All I have is God’s God’s WaysMan’s Ways

18. Ecc 5:11 The more you have, the more you spend, right up to the limits of your income. Lu 16:10 Whoever can be trusted with little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. Ps 37:16 Better the little that the righteous have than the wealth of many wicked. 3 - I need more money Manage what I have God’s WaysMan’s Ways

19. Pr 21:17 A man who loves pleasure becomes poor. Pr 23:19 Don't carouse with drunkards and gluttons...they are on their way to poverty. Lu 15:13-14 The younger son...squandered his wealth in wild living. After he had spent everything...he began to be in need. Titus 2:11-12 The grace of God...teaches us to…live self-controlled... 4 - Live for Pleasure Live Self-Controlled God’s WaysMan’s Ways

20. Lu 16:13 You cannot serve both God and Money. Ecc 5:10 Whoever loves money...is never satisfied with his income. 1 Tim 6:10 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. 5 – Love Money Love God God’s WaysMan’s Ways

21. Prov 21:20 The wise man saves for the future, but the foolish man spends whatever he gets. Prov 22:3 A prudent man sees danger and takes refuge, but the simple keep going and suffer for it. Ecc 5:11 The more you have, the more you spend, right up to the limits of your income. 6 – Spend it all Save for the future God’s WaysMan’s Ways

22. Ps 37:18-19 The Lord cares (for the godly) even when times are hard; even in famine, they will have enough. Ps 33:18-19 The eyes of the LORD are on those who fear him…to...keep them alive in famine. Rom 8:35 Who shall separate us from the love of Christ? Shall trouble or hardship or...famine...? 7 - Fear of loss or hard times Faith in God to provide God’s WaysMan’s Ways

23. Ps 73:2-28 My feet were slipping...For I was envious of the prosperity of the proud & wicked...all the time their riches multiply. Heb 13:5-6 Keep your lives free from the love of money and be content with what you have, because God has said, "Never will I leave you; never will I forsake you." 1 Tim 6:6 Godliness with contentment is great gain. 8 – Envy others Be content God’s WaysMan’s Ways

24. Ex 20:17 "Do not covet your neighbor's house…or anything else your neighbor owns." Ecc 2:26 To the sinner he gives the task of gathering and storing up wealth to hand it over to the one who pleases God. Prov 13:22 A sinner's wealth is stored up for the righteous. Ps 105:44 (God's people) fell heir to what others had toiled for. 9 – Keeping up with your neighbors Experiencing God’s creative care God’s WaysMan’s Ways

25. Pr 15:16-17 Better a little with the fear of the LORD than great wealth with turmoil. Better a meal of vegetables where there is love than a fattened calf with hatred. 1 Pet 3:7 Husbands... be considerate as you live with your wives, and treat them with respect...so that nothing will hinder your prayers. 10 - Arguing about $ Agreeing in prayer God’s WaysMan’s Ways

26. Pr 22:26 MSG Don't gamble on the pot of gold at the end of the rainbow, hocking your house against a lucky chance. Pr 13:11 Wealth from gambling quickly disappears; wealth from hard work grows. Pr 28:19 He who works his land will have abundant food, but the one who chases fantasies will have his fill of poverty. 11 – Get rich quick schemes & gambling Steady plodding and hard work God’s WaysMan’s Ways

27. Luke 12:15 LB “Beware! Don't always be wishing for what you don't have. For real life and real living are not related to how rich we are.” Mt 6:19-21 "Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal.” 12 – Stuffitis disease Deaccumulate God’s WaysMan’s Ways

28. Pr 14:11 The house of the wicked will be destroyed, but the tent of the upright will flourish. Isa 32:18 My people will live in peaceful dwelling places, in secure homes, in undisturbed places of rest. Ps 128:3 Your wife shall be contented in your home. And look at all those children! There they sit around the dinner table as vigorous and healthy as young olive trees. 13 – Better house Better home God’s WaysMan’s Ways

29. Proverbs 17:18 MSG It's stupid to try to get something for nothing, or run up huge bills you can never pay. Pr 22:7 The borrower is servant to the lender. Rom 13:8 Owe no one anything except to love one another. Ps 37:21 Evil men borrow and "cannot pay it back"! 14 – Growing indebtedness Avoid or eliminate indebtedness God’s WaysMan’s Ways

30. 1 Tim 6:17 Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God. Rev 3:17-18 (Jesus said) "You say, 'I am rich, with everything I want; I don't need a thing!' And you don't realize that spiritually you are wretched and miserable and poor and blind and naked.” 15 – Put your home in money Put your hope in God God’s WaysMan’s Ways

31. I Kg 17:13-16 Elijah said to (the starving widow), "Don't be afraid... first make a small cake of bread for me from what you have and bring it to me, and then make something for yourself and your son. Deut 14:23 The purpose of tithing is to teach you always to put God first in your lives. 16 – Rationalize why you can’t give Give to God first God’s Ways Man’s Ways

32. Hag 1:5-12 "Give careful thought to your ways...You expected much, but see, it turned out to be little. What you brought home, I blew away.” Mal 3:10 The Lord says: "Bring all the tithes into the storehouse...if you do, I will open up the windows of heaven for you and pour out a blessing... "Try it! Let me prove it to you!" 17 – Give sporadically Give faithfully God’s WaysMan’s Ways

33. 2 Cor 9:7 Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. 2 Cor 8:12 If you are really eager to give, then it isn't important how much you have to give. God wants you to give what you have, not what you haven't. 18 – Give reluctantly Give cheerfully (hilariously ) God’s WaysMan’s Ways

34. 2 Cor 8:7 See that you...excel in this grace of giving. Deut 16:16-17 No man should appear before the LORD empty-handed: Each of you must bring a gift in proportion to the way the LORD your God has blessed you. 1 Cor 16:2 On the first day of the week let every one of you lay something aside, as God has prospered you. 19 – Give leftovers Give proportionately God’s WaysMan’s Ways

35. Luke 12:16-21 A rich man's...barns were full to overflowing... He thought about his problem, and finally exclaimed, 'I'll tear down my barns and build bigger ones! Then I'll have room enough'...But God said to him, 'Fool! Tonight you die. Then who will get it all?' "This is how it will be with anyone who stores up things for himself but is not rich toward God. 20 – Live for today Give for eternity God’s WaysMan’s Ways

36. Prov 27:23 TLB Riches can disappear fast…Know the state of your flocks and your herds. Hag 1:5-7 Give careful thought to your ways. You have planted much, but have harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it." 21-Uncertain about my finances Know well my financial condition God’s WaysMan’s Ways

37. Luke 21:1-4 NLT While Jesus was in the Temple, he watched the rich people putting their gifts into the collection box. Then a poor widow came by and dropped in two pennies. "I assure you," he said, "this poor widow has given more than all the rest of them. For they have given a tiny part of their surplus, but she, poor as she is, has given everything she has." 22-God doesn’t know or care about my giving God sees the giving that I do God’s WaysMan’s Ways

38. Pr 11:24 TLB It is possible to give away and become richer! It is also possible to hold on too tightly and lose everything. Pr 28:27 Whoever gives to the poor will lack nothing. But a curse will come upon those who close their eyes to poverty. Pr 19:17 When you give to the poor, it is like lending to the Lord, and the Lord will pay you back 23-Grasping hands and a grudging heart Generous hands and a grateful heart God’s WaysMan’s Ways

39. 2 Kings 20:1 "This is what the LORD says: Put your house in order, because you are going to die.” 1 Tim 5:8 If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever. 24 – Ignore the reality of your mortality Get your house in order God’s WaysMan’s Ways

40. Pr 17:18 CEV It's stupid to guarantee someone else's loan. Pr 11:15 NCV Whoever guarantees to pay somebody else's loan will suffer. It is safer to avoid such promises. Pr 22:26 Unless you have the extra cash on hand, don't countersign a note. Why risk everything you own? They'll even take your bed! 25 – Co-SigningActively avoid co-signing God’s WaysMan’s Ways

41. Pr 21:6 Wealth created by lying is a vanishing mist and a deadly trap. Pr 12:22 The LORD detests lying lips, but he delights in men who are truthful. Pr 12:19-20 Truthful lips endure forever, but a lying tongue lasts only a moment. Pr 6:12-15 Let me describe for you a worthless and a wicked man; first, he is a constant liar… 26-Lying, cheating, promise breaking Honesty, integrity, promise keeping God’s WaysMan’s Ways

42. Job 15:34 Fire will consume the tents of those who love bribes. Pr 15:27 Dishonest money brings grief to the whole family, but those who hate bribes will live. Pr 29:4 A just king gives stability to his nation, but one who demands bribes destroys it. 27 – Bribery & corruption Fear & honor God God’s WaysMan’s Ways

43. Pr 10:4 Lazy hands make a man poor, but diligent hands bring wealth. Pr 10:5 MSG Make hay while the sun shines— that's smart; go fishing during harvest— that's stupid. Pr 26:13-16 The lazy man won't go out and work…yet in his own opinion he is smarter than seven wise men. Pr 13:4 Lazy people want much but get little, but those who work hard will prosper. 28 – Lazy sluggard Diligent worker God’s WaysMan’s Ways

44. Lev 19:11 Do not steal. Do not lie. Do not deceive one another. Num 5:6-11`When a man or woman wrongs another in any way and so is unfaithful to the LORD, that person is guilty and must confess the sin he has committed. He must make full restitution for his wrong, add one fifth to it and give it all to the person he has wronged. 29 – StealingRestitution God’s WaysMan’s Ways

45. Ps 127:2 CEV It is useless to get up early and stay up late in order to earn a living. God takes care of his own, even while they sleep. Lev 23:3 There are six days when you may work, but the seventh day is a Sabbath of rest, a day of sacred assembly. You are not to do any work; wherever you live, it is a Sabbath to the LORD. 30 – WorkalismRest and renewal God’s WaysMan’s Ways

46. Recommended Resources and Your 5 Smooth Stones

47. Crown Financial Ministries 10-Week Bible Study Documented statistics this study helps people: Memorize Scripture Have Daily Devotions Double their giving Avoid or Eliminate Debt Develop a Budget

48. God’s WaysMan’s Ways

49. © Brian Kluth. This PowerPoint presentation is available for download and use in a local church for non-commercial purposes for a $25 personal use fee (or as a part of the $49.95 internet package). Call Brian at 1-719-930-4000 or email bk@kluth.org to receive required permission and arrange for your credit card payment or check payment to: bk@kluth.org Brian Kluth 5201 Pinon Valley Road Colorado Springs, CO 80919 Website: www.kluth.org