2. We cannot avoid the material part of life. God-focused attitude. Heed God’s warnings.

3. Solomon gives us perspective. Material things are vanity, Ecc. 2:4-11 Serving God matters, Ecc. 12:13, 14

5. A man is to provide for himself and his family. If not, infidel, 1 Tim. 5:8 If not, should not eat, 2 Thes. 3:10

6. Prepare for the future—as best you can. Pay taxes, Rom. 13:6, 7 Set goals, Prov. 13:19; 19:21 »Job. »Salary. »Home. »Savings.

7. Prepare for the future—as best you can. Work, then enjoy, Prov. 24:27 Winter is coming, Prov. 6:6-11; 10:4, 5, 15; 12:11; 20:4 »Car, house. »Insurance. »Children. »Health care.

8. Prepare for the future—as best you can. Seek advice, Prov. 11:14; 13:18 »Parents. »Elders. »Others. Do not be rash, Prov. 28:20, 22

9. Diligence Rule Filled Profit Ease Slothfulness Slave Empty Poverty Thorns Prov. 12:24; 22:29 13:4 14:23; 21:5 15:19

10. Slothfulness Lazy destroy, Prov. 18:9 Sleep & hunger, Prov. 19:15; 20:13 Excuses, Prov. 22:13 Subject to needs, Prov. 24:30-34

11. Be fair in your financial dealings. Do not cheat, Prov. 11:1 Do not lie, Prov. 13:11; 21:6 Do not steal, Prov. 20:17; Eph. 4:28

12. Give to others. God, 1 Cor. 16:1, 2; Phil. 4:15-17 Poor, Prov. 19:17; 28:27 Parents, Prov. 19:26; Eph. 6:2; 1 Tim. 5:16

13. Give to others. Children, Prov. 13:22 Preacher, brethren, Gal. 6:6-10 Reap what you sow, Prov. 11:24-26

14. A wife and mother can work. Worthy woman, Prov. 31:10-31 Fulfill other duties, Titus 2:4, 5; 1 Tim. 5:14

15. Couples need to make a budget—together. Figure spending history. Set priorities. »Contribution. »Food, clothes, shelter, car. »Debt. »Savings.

16. Couples need to make a budget—together. Get away from credit cards (debt). »Pay off. »Don’t use for daily living. »Use debit card, check, cash.

17. Couples need to make a budget—together. Anticipate emergencies. »Home repair. »Car repair. »Medical. »Birth of children.

18. Who spends more? Woman. »Clothes. »Makeup. »Hairdo. »Knick, knacks. Man. »Sports. »Cars. »Entertainment. »Clothes.

19. Recommended readings. Dave Ramsey. »My Total Money Makeover. »Financial Peace Revisited. H. Norman Wright. »Before You Say I Do. »After You Say I Do.

21. We cannot avoid the material part of life. God-focused attitude. Heed God’s warnings.

22. Solomon gives us perspective. Material things are vanity, Ecc. 2:4-11 Serving God matters, Ecc. 12:13, 14