MWR Financial Letter To Pastors Invitation Cooperative

Living Grace Life Church P.O. Box 1986 VILLA RICA, GA 30180 Website: http://www.livinggracelifechurch.org Email: [email protected] Phone: (678) 952-4231 Pastor, Elder Johnnie B. Porter M. Div., M.A.C.M. [email protected] God Bless You, Pastor I pray you and your ministry are doing well. I write to you concerning some information I believe every pastor should be thinking about for their family, congregation, and ministry. And that is closing the income gap through financial literacy. Unlike anything we've ever seen, there is an income gap and retirement problem in the U.S., And yet, not many of us are prepared for it, nor do we have enough information to prepare for it (especially during various waves of recession). This letter is longer than I intended because I need to share the essential information with you. I assure you, that what I am sharing is important and relevant to the welfare of the church and ministry. I invite you to join me in sharing this information with our churches. Before I begin, I only ask you to consider accepting this invitation before saying no. My desire is not to sell you anything but to inform you about this essential financial literacy resource that will be an economic game-changing learning opportunity. As a pastor seeking education solutions, I have explored various financial literacy programs for our church. As an African American male who has worked hard to learn about money and resources that would better my family and God's Kingdom, we used one specific program (Dave Ramsey's Financial Peace University) in our church. As great as this program was, there was something missing, such as the cultural and financial realities that applied to Black-lived experiences and needs. I have been working with a company called MWR Financial for three years and am impressed with their growth. Their focus is to make wealth real for their members, who are comprised of everyday people who utilize their business experts without having to become an expert themselves. I've been a member for three years and have not focused seriously on building a business with them until now. What has changed my mind is that I can see a financial recession coming. As a man of God who is a licensed Insurance Broker with a background in direct sales, marketing, healthcare, mental health, and community organizing, I understand the true implications of not being prepared. Have you noticed the lack of time members of the congregation have for ministry activities, their families, or for themselves and their overall health? For years, as a ministry, we’ve taken on a crusade for health and wellness, economic empowerment, and time freedom for the men and women that make up the Body of Christ! Time freedom is priceless. As John urges us in scripture, "Beloved, I pray that you may prosper in all things and be in health, just as your soul prospers." (3 John 1:2) As we watch inflation in the stores, restaurants, gas stations, and everywhere but our paychecks, I would challenge you, pastor, to take a deep dive into the scriptures concerning the many comments concerning wealth and our responsibility to be good stewards. I share this with you because, according to the scriptures, it is wise to do so. Ecclesiastes 11:8, according to the King James Bible, says, "Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth." You can continue to read beyond that if you like. The New King James Version breaks it down even better by saying to not only duplicate your investment (or sowing) efforts but to go beyond duplication as an intelligent investor of what God has blessed you with because as you stay prepared for hard and evil times, you will have more than enough to sustain you and your family beyond those who do not and are not prepared for what comes. Read other versions, which will genuinely reveal financial vigilance's importance. Not many congregations throughout the country have had the opportunity to learn what it is we are sharing with you at this time because this company is wrapped in a Multi-Level Marketing Package. Which for many are

understandably opposed to getting involved. Nevertheless, I know this program is completely different than anything I’ve seen as a professional Network Marketing Professional. Perspective changes everything. Please let me explain… My father, the late Bishop C. F. Porter, often shared this story in his sermons and with me as a young man about a poor woman who prayed daily for a ham for her family. Ritualistically, she'd meet God at a lone Oak tree in the middle of a field down a hill. Two of the town's worst little boys followed her one day and decided they'd be waiting in the tree the next day to hear what she was doing and why she did this every day. Once they listened to her request, one of the boys decided to go to his grandfather's house to find the biggest ham they could carry with a plan to drop it out of the tree on cue as soon as the woman said amen to her prayer. The next day, the woman felt strongly that this was the day God would answer her prayer. So, she began to thank God and even declared that she was within smelling distance of her blessing! The boys giggled and struggled not to outburst with delight at what was about to happen. Finally, the woman said amen and down-dropped the burlap bag with the biggest smoked ham she'd ever seen! Not looking up or asking questions, she grabs the ham and runs towards home out of the field. The boys hurriedly climb down to chase her down. Out of breath, they catch up to her, and, laughing, they mockingly tell her, "Lady, you're crazy! Every day, you've been down here asking God for a ham, and God didn't do anything! He didn't bring you that ham, "We did!" Without missing a beat, the woman said to the boys, "No, young men, you're wrong… God did give me that ham, even if the devil did bring it!" I have never forgotten this story because my father would repeatedly tell this story as if he had never told this story ever. But it drove the point home for me. Sometimes, God packages and delivers the answer to our prayers in ways we wouldn't expect Him to. Now, I know some common scriptures that would echo and support that statement come to mind. But, back to the matter at hand… MWR Financial has surpassed the soft-pre-launch phase, and I have personally been fortunate to observe and be a part of this development from the early start. Therefore, I am pleased to share this information with you. I want to strategically focus on building a team of pastors who will help me to strategically organize a Kingdom movement that will empower our congregations with knowledge and resources that would change not only their home and family but also their ministries where they generously serve and give of their time and financial support. Our people have been praying, and we've been trying to offer financial literacy using various programs and community connections with no long-term success. Why not try something better? As an active member, I believe the timing for sharing this wealth literacy resource is necessary. Most of us are not prepared for retirement, let alone a crisis. And yet, housing, food, gas, and goods inflation is on the rise. God provides even during a recession, and we, God's people, know it. But this requires us to ignore our responsibility no longer but rather to prepare for what's coming. We are encouraged to be good stewards of what God has given us. In Luke 16:1-13, Jesus told the parable of the dishonest steward to warn us against poor stewardship. We are responsible for providing for our household, as 1 Timothy 5:8 reminds us: "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." So, yes, we are encouraged to be diligent and responsible. With that comes ethical cautions we also must be mindful to remember. The Word teaches us not to pursue riches nor to love money. We understand that getting rich may be the American Dream, but it is not the Christian hope. As King Solomon said, money serves a purpose and does, "answereth all things…" (Ecclesiastes 10:19). If you don't believe it, try living in the United States anywhere without having any. Poverty is more expensive than anything. When you're poor, everything costs more. Again, as the pastor, that's a sermon you could teach for months. And truthfully, congregations need to be having these discussions (be it in small groups or planned workshops). Honestly, I have not been as successful in getting other pastors to join me in this cause. Sure, we'd both be better off if you said yes, but I want this to happen because I see church members (not only my congregation) struggling to make ends meet. Reparations seem to be getting further and further out of reach. Generosity is declining, and too many of God's people are too busy to serve not only their church but also, they’re too busy to serve their communities, families, or the causes they care about most. As a former community organizer, I

understand the true definition of power as it relates to economics, politics, and spirituality. I would love to share this with you in further detail at another time. For now, I pray and hope you will change my recruiting experience by joining me in sharing this membership program with our brothers and sisters in the body of Christ and anyone you desire to uplift. As a congregation, we have embraced and accepted the packaged opportunity for what it is. You're going to love your back office! This company uses many videos to educate its members and associates. Many of the people you will see in the opportunity presentation are associates and friends of mine (Charles Ivory & Brian Beane, Dr. Gerald Parker, Kristie Howard, and others, to name a few). Dr. Gerald Parker, Brian & Charles' success deeply inspires me because I know these brothers love God and God's people. I've been so inspired that I have decided I must not just admire them only but to also get busy and do what I feel led to do. I am joining them by doing this, but I will do so by taking you and any other ministers who can see the vision and the opportunity along with me. I want God to bless us all. I mean, "What is success if God's people and our community are not also successful?" Paul said, "I would say that you prosper, just as your soul prospers" (3 John 1:2). With that said, I believe I can be a better steward of my associate business membership. I know this is a solution worth sharing. The MWR Financial Edge membership is robust in benefits and information, so I am presenting this opportunity to share this program as an outreach solution for you and your congregation. Talk about legacies, writing plain visions, and transforming and renewing minds. Our nation & people need this. The home-based business write-offs and instant pay raise components alone make the cost of the membership well worth it. My church, Living Grace Life Church, decided to structure a financial literacy strategy powered by MWR Financial by creating a for-profit arm to our ministry called Grace With The Works Inc. We are using this program to help our congregation, community, and ministry. And as a pastor who is an entrepreneur, I have already taken care of my family by enrolling with my personal membership, which enrolled GWTW Inc. In summary, what does the Bible say about managing money? The Bible can summarize the answer with a single word—WISDOM. We should have it, especially as it relates to money. And if any man lacks wisdom, let him ask it of God. As it relates to financial wisdom, many of us do not have it. It would generally seem that if we’ve historically lacked wisdom about our finances or lack understanding about anything that requires an expert with wisdom, we should seek it! "This program does that." Like Legal Shield (another program), this membership gives you financial advisors on a retainer at an affordable cost. This cost is an investment and not another expense or bill to burden you or the ministry. You are paying a retainer to have access to financial experts who can assist members with their financial goals. Allow these last words to be your takeaway as you consider your response. Remember, the wealthy do not spend their money; they spend their benefits. We, too, are to be wise with our money. We are to save money but not hoard it. We are to spend money but with discretion and control. We are to give back to the Lord generously, joyfully, and sacrificially. We are to use our money to help others but with discernment and guidance of God's Spirit. It Is not wrong to be rich, but it is wrong to love money. It's not bad to be poor but wasting money on trivial things is wrong. The Bible's consistent message on managing money is to be wise. Please help me grow a network of Kingdom-minded entrepreneurial leaders working together to help empower God's people with this information. I have attached some additional information about the program and its ondemand services. The faith and finances website and document offer a complete overview. Thank you for taking the time to read this message. If you want to talk directly, don't hesitate to get in touch with me. Peace and blessings, Pastor Johnnie B. Porter M. Div., MACM. (LivingGraceLifeChurch.org) (Pleasant Grove Missionary Baptist Church) Empower365 Consulting Enterprises LLC [email protected] 678-637-4653 Read the remainder of the letter below, then, SCAN QR Code to view my Information Video Orientations APP

Church Organization and Structure is Important. I mentioned to you that our ministry set up our for-profit arm to our ministry years ago. MWR Financial was the one business we thought was something safe and ethical because it related to the overall mission of our ministry. Though we are a small ministry, we have invested in our structure. I believe larger ministries are in a much better position than we were and possibly still currently are because they have not only the financial resources but more members within their congregations. Nevertheless, it’s not about how many members you have that makes the difference. It’s a matter of how many of those members are willing and committed to partnering with you. There is a difference between membership and partnership, especially as it relates to business. Jesus would often share parables that clearly defined those differences. We could even see his understanding of collaborating with the right partners in his recruiting of the twelve disciples who would need training, education, practice, and opportunity to perform in his absence. Please don’t be mistaken, our ministry is using this platform using every ounce of training with the goals of successfully reaping the success this business offers, because we know our goals are large and important to the Kingdom Building Plans God has given us. Please take a moment and look at what we have already done in the form of our ministry’s ultimate church structure. (Church: Living Grace Life Church/ For Profit Arm: Grace With The Works Inc./CDC Outreach: Grace Point CDC) Our Holdings Corporation is our next and final phase. This is where our MWR Financial member benefits will assist us.

MWR Financial Faith & Finances/Financial Edge Member Benefits “I’ve learned over the years that the Rich don’t spend money… they spend their Benefits…” J. Porter Every prudent man acts with knowledge, but a fool flaunts his folly. Proverbs 13:16 ESV How it Works: The On-Demand Member Service Benefits Begins with The Instant Pay Raise! MWR Financial is proud to be the home of the instant pay raise. Their mission is first to increase the takehome pay of over 150 million W-2 employees, starting with their very next paycheck. Try the membership for 30 days with a Money-Back Guarantee! Get your money back by stopping tax overpayments to the Government. No longer can they use your money all year long, interest-free. Use your money all year long to pay off debts and to invest. The Scriptures says, “You shall not muzzle an ox when it treads out the grain,” and “The laborer deserves his wages.” 1 Timothy 5:18 ESV The Instant Pay Raise- Income Solution Using a proven strategy to convert Financial Edge members’ existing expenses into legitimate Home-Based Business tax deductions that can increase their take-home pay immediately. Members will be able to establish access… - MWR Financial Home-Based Business (Everyone should have a Home-Based Business) - Expense Analysis & Conversion - W-4 Adjustment Assistance - Automated Mileage/ Expense Tracker - Average increase of $300- $600+ per month MWR Financial believe that when it comes to increasing their member’s income, it’s not just how much they make but how much they can keep that count. - Financial Edge Membership: Only $149.97 per month. Your spouse is also included! - Remember, we offer a self-funding option called the 3 and Free Program, which will alleviate your membership cost. MWR Financial does want to become another bill. Share or refer 3 memberships, and your membership is absolutely FREE! - If interested in investing in the program, you can experience profit by participating in the self-funding option. If you choose to invest in our Home-Based Business option, you pay $149.97/month with a one-time $100 business upgrade fee totaling $249.97. This also comes with a self-funding option, whereby you can share the program with 3 people to enroll in the membership only ($149.97), making your membership self-funded. As a business partner, you can find 3 business partners and 1 customer to activate the Daily Pay program, which will unlock the income bonus that pays $5- $15,000 every single day as long as you meet qualifications. - The Upgrade business fee allows our partners to enjoy a robust back-office business center. The 3 and Free will reduce monthly costs to $50 per month/monthly maintenance fee) and members who are business owners can earn a significant amount of residual income and bonuses, which can be strategically used to invest and build their financial portfolios.

- Share your experience with others by starting and building your MWR Financial Business. This can help you earn a residual income that can eliminate the cost of your business and membership while allowing you to accelerate the wealth-building process. - Use some or all of the cash flow, savings, and income created using the various strategies to accelerate your EquityMAX debt elimination plan or use this additional money to increase your “Private Reserve Account” so you can start earning a passive income and accelerate your retirement date. Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it. Proverbs 21:20 ESV CreditMax- Credit Restoration Strategies The wicked borrows but does not pay back, but the righteous is generous and gives; Psalm 37:21 ESV Credit Max is C.R.O.A Compliant and confidential. The Federal statute called the Credit Repair Organizations Act (CROA) sets tough compliance requirements on the industry; credit repair companies can and do operate fearlessly as long as they follow the rules. ... The CROA prohibits billing in advance of services being rendered. MWR Financials’ Credit Max offers confidential credit restoration strategies. These strategies… - Removes late payments - Collections - Judgments -Tax Liens - Repossessions - Charge-offs - Foreclosures -Bankruptcy items and more… CreditMax can also help… - Get enrollees an average credit score increase of 50- 100 points or more. - Enrollees can get access to free credit reports all within their back-office portal - CreditMax can reduce fees for all 3 Bureau Reports with scores and credit monitoring. - Offer Credit rebuilding, consulting, and ID Theft correction. - Credit restoration testimonials can be seen on Facebook.com. See MWR Financial Testimonials. Be not one of those who give pledges, who put up security for debts. If you have nothing with which to pay, why should your bed be taken from under you? Proverbs 22:26-27 ESV EquityMax- The Debt Elimination Strategy Owe no one anything except to love each other, for the one who loves another has fulfilled the law. Romans 13:8 ESV EquityMax offers real debt elimination strategies that counter what traditional creditors do. Creditors have strategic plans to keep their borrowers paying interest for as long as possible. This works against your financial goals because the money you’re paying in interest is money you can’t use to invest in other financial opportunities that would increase your network and net worth. This also hinders individuals from paying themselves.

What EquityMax does then is to use revolutionary strategies to… - Eliminate debt - Increase equity by using a trademark acceleration system that will reduce the time in debt by years and even decades. - EquityMax offers this powerful system that does all this without increasing your monthly payments or harming your credit scores. o EquityMax does this by eliminating every debt you owe, including your mortgage, up to ½ to 1/3 of the time. o They provide a plan of action that shows you exactly when and how much to pay each of the creditors. o This strategy calculates the exact day, month, and year you will be debt-free and the exact date you can be a debt-free millionaire (for real). MoneyMax- Tax Reduction Strategies & Unlimited Financial Advice on Demand You shall remember the Lord your God, for it is He who gives you power to get wealth, that He may confirm His covenant that He swore to your fathers, as it is this day. Deuteronomy 8:18 ESV MoneyMax is a serious game changer because MWR Financial understands that giving their members access to a team of financial experts can make the difference in leveraging their abilities to make financial decisions that will enhance their income goals for themselves and their families. The benefits of MoneyMax include… - Unlimited consultations with CPAs (Certified Public Accounts) - Unlimited Consultations with CFPs (Certified Financial Planners) - Unlimited consultations with EAs (Enrolled Agents with the IRS) - Tax Reduction Strategies - Experts will review the last three years’ Tax Returns (in case something was missed) - Using a trademark software called “Taxbot,” MoneyMax uses an automated mileage & expense tracking program to simplify your tax advisor’s job! Finally, claim all of the business expenditures to be written off. - Additional member benefits include strategies that help clients with budgeting, tax planning, business structuring, etc. - This includes some legal documents that will protect you and your assets. Simply put, MWR Financial Edge members using MoneyMax and CreditMax and EquityMax will no longer have to take chances with their family’s financial future. And the best part is that we’ve not even discussed the added benefit of using the financial game-changing strategies of WealthMax. Give a portion to seven, or even to eight, for you know not what disaster may happen on earth. Ecclesiastes 11:2 ESV

WealthMax- Licensed Experts Deuteronomy 28:12 ESV The Lord will open to you his good treasury, the heavens, to give the rain to your land in its season and to bless all the work of your hands. And you shall lend to many nations, but you shall not borrow. This is the most amazing part of MWR Financial for our members. At this point, members can let licensed WealthMax experts help them to… - Save their money - Grow their money - And to protect their money … by utilizing the same strategies that have been and are being used by the wealthiest people in the world. MWR Financials, through WealthMax, has established a strategic partnership with Cal Choice Financial. Clients who are prepared to have a private consultation with WealthMax experts can get their money, making money for them. YES, THAT’S CORRECT… AT THIS LEVEL, MWR FINANCIAL/ WEALTHMAX STRATEGIES CAN HELP YOU TO GET YOUR MONEY FINALLY AND REALISTICALLY, MAKING MORE MONEY FOR YOU! For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish.’ Luke 14:28-30 ESV In all toil, there is profit, but mere talk tends only to poverty. Proverbs 14:23 ESV A slack hand causes poverty, but the hand of the diligent makes rich. Proverbs 10:4 ESV Who does not put out his money at interest and does not take a bribe against the innocent. He who does these things shall never be moved. Psalm 15:5 ESV MWR Financial Members can schedule two major consultations that would change their financial and retirement portfolios forever… For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Luke 14:28 ESV - Schedule a WealthMAX “Private Reserve Account” Consultation to see how our experts can help them to become their own private bank. - This will provide clients with the BEST ways to save, grow and protect their money, Tax-Free, with NO risk of Loss! That alone is incredible because there truly are no risks of loss. - And… Financial Edge Members can schedule a WealthMAX Land Banking Consultation to find out how our experts can help you buy land in the path of growth without ever having to write a check, just like the wealthy have been doing for decades!

WealthMax Private Reserve Accounts not only allow members to become their own bank, but members can benefit from… On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come. 1 Corinthians 16:2 ESV - Tax-Free Growth - Tax-Free Withdrawals - Market Gains without losses - Borrow from yourself and continue to earn interest on your borrowed money as if it never left. - And this can be done with no early withdrawal fees or penalties. To say more about the WealthMax Advantage, members will be able to capitalize on one the world’s safest and most profitable investments in the world… and that’s LAND. Using MWR Financials’ Land Banking Strategy through Cal Choice Financial will help members buy land. - This is not just any land, but this is land they can buy that’s in the path of growth. - This land can be purchased at 20-40% below market value - With an average annual return of 20%+* The best part about WealthMax is that the WealthMax Experts do all the work! When Financial Edge members are ready, they can schedule a consultation at no additional cost. Financial Edge Members can receive additional benefits for debt resolution. If you are living with financial problems, MWR Financial can help. The debt resolution team will analyze every situation. It will recommend the best ways for them to handle various kinds of debts like student loans, medical debts, tax issues, and other debts through their debt resolution center. Be mindful that past performances do not guarantee future results. The numbers that we are using here are based on 20 years of historical data. BILL SHREDDER: LET ‘S LOWER YOUR BILLS ABOUT BILL NEGOTIATION Our Professional Bill Negotiators can help you lower your recurring monthly bills: Cable/Satellite, Cell Phone, Security, Internet, Utilities, Insurance, and much more. Start reducing your monthly expenses while keeping your exact plan and providers- all work done for you by real MWR debt negotiation experts. January 2024 MWR Financial has just added Precious Metals MWR’s Precious Metals has now empowered the membership platform to allow its members to become Precious Metals Ratio Players instead of just precious metals consumers. This is a true game changer in the industry because members now have access to an expert who has partnered with the Make Wealth Real mission to provide members with everything they need to multiply, save, grow, and protect their money. Schedule a private consultation in your members’ back office with the expert and grow from there!

MWR Healthshare ABOUT MWR HEALTHSHARE Healthcare costs in the U.S. have more than tripled in the last 20 years, and MWR has the solution. Our HealthShare Experts can help qualified members replace their existing health insurance with a Health Sharing Plan at a fraction of the cost, without sacrificing quality/service. MWR Healthshare is a not-for-profit, non-insurance alternative to the high cost of health insurance. (Coverage is also available for ITIN Members without a SS#) This program is relevant to many of our members within our congregations who are not meeting their annual deductibles in their traditional healthcare insurance. This program is not an insurance but can be used as secondary coverage with traditional insurance. Visit your back office to see how much you can save. Impact Health Sharing offers a modern healthcare solution with: • Comprehensive healthcare access/ Freedom to select providers. • Telehealth availability/ Competitive Rx pricing/ Mental health resources AFFORDABLE Members are saving thousands when they switch to Impact. Plans start as low as $73 for individuals and $378 for families. We have designed four pricing options for individuals and families, as well as special prices for seniors. COMPREHENSIVE Members experience a comprehensive medical experience and access to preventative care, mental health care, Prescription discounts and free telemedicine available 24/7. ACCESSIBLE Members see any doctor they want nationwide. No network fees. This means more choices and lower costs for you. No network limitations. You can see YOUR doctor. Impact Participates with ANY PROVIDER. Comparing Health Share Plans to Traditional Insurance Health share plans may offer advantages in terms of community and cost, but traditional insurance provides predictability and security. Traditional health insurance is required to cover a range of essential health benefits and cannot exclude individuals based on pre-existing conditions. For those with more significant healthcare needs or who prefer the assurance of a regulated insurance plan, traditional insurance may be more beneficial. Conversely, for individuals in good health who prioritize lower monthly costs and have the desire to be part of a like-minded community, a health share plan could be more appealing.

Addressing the Top Questions: 1. Are health share plans a good idea? Health share plans can be a good idea for those seeking a cost-effective alternative to traditional health insurance, but it's essential to be aware of their limitations and the lack of certain protections that traditional insurance provides. 2. What is a shared plan in health insurance? A shared plan in health insurance refers to health share plans, where a community of members shares healthcare costs among themselves rather than relying on a conventional insurance model. 3. What is the downside of Healthshare? Healthshare, like other health share plans, may not cover all types of medical expenses, and members must adhere to specific lifestyle principles. It is not insurance and doesn't guarantee coverage for all health needs. 4. How does employee share scheme work? While not directly related to health sharing, an employee share scheme typically involves employees owning shares in the company they work for, which is a different concept from sharing healthcare costs. 5. What are the 3 elements of a cost-sharing health insurance plan? These are deductibles, co-payments, and coinsurance. However, health share plans might define cost-sharing differently, focusing on shareable vs. unshared expenses. 6. What is the difference between classic and basic Healthshare? Healthshare offers different levels of sharing, with the classic option generally providing broader coverage at a higher monthly share amount compared to the basic option. 7. What is Healthshare? Healthshare is a type of health share plan offered by the Samaritan Ministries, which allows members to share healthcare costs according to the ministry's guidelines. 8. How much is Healthshare per month? The monthly share amount for Healthshare varies based on the age of members, the number of people participating, and the annual household portion selected. 9. How does Healthshare insurance work? Healthshare operates on a sharing model where members pay monthly shares that are used to help pay other members' eligible medical bills, in accordance with the organization's guidelines. 10. Is Samaritan considered health insurance? No, Healthshare is not considered health insurance. It is a health cost-sharing ministry that facilitates the sharing of medical expenses among its members. Conclusion: Is a Health Share Plan Right for You? Deciding whether a health share plan is suitable for you depends on a variety of factors, including your health status, financial situation, and personal values. Understanding the pros and cons of health share plans is crucial before making a decision. It is also essential to research the specifics of each plan, as they can vary widely in their offerings and requirements. For some, the community aspect and potential savings of health share plans are compelling; for others, the security and comprehensive coverage of traditional insurance are non-negotiable. Whatever you choose, make sure it aligns with your healthcare needs and financial capabilities.

“Pastors… How many of our members are renters, homeowners, or would-be homeowners?” Your ministry can now present MWR KEYS TO HOMEOWNERSHIP as a real solution. MWR Keys to Homeownership from MWR Financial (Review a complete overview) HOW IT WORKS Secure Your Dream Home with MWR MWR Keys to Home-Ownership is a proven system that clears the way for you to become a homeowner regardless of your credit history or credit scores. Our Certified Affordable Housing Providers will analyze your current financial position and determine how much of a house you can afford; they will then help you locate the home that is right for you, buy it for you, and allow you to rent to own until you can obtain conventional financing, or they will finance it for you. Remember: Financing your home can be done at any time during the Rent-to-Own period, and if you are unable to obtain conventional financing, your Affordable Housing Expert will owner-finance the property for you, as long as all rent payments have been made as agreed! There is a one-time $50.00 application fee for this program. This fee covers administrative costs and your analysis. MWR's Keys to Home Ownership is powered by Certified Affordable Housing Providers - Path to Home Ownership. ABOUT MWR CASHBACK MWR Cashback allows our financial experts to focus on getting you the most money back by lowering taxes, monthly bills, and debts while helping you to increase your cash flow, credit scores, and passive income portfolio. CASHBACK BENEFITS Tax Savings Bill Savings Debt Savings Credit Increase INCLUDED IN YOUR MWR MEMBERSHIP REDUCE MY TAXES, LOWER MY BILLS, MULTIPLY MY CASHFLOW ELIMINATE MY DEBT, RESTORE MY CREDIT, ACCESS to LEGAL SELF-HELP Multiple Ancillary Resources to Compliment Your Efforts to Multiply Your Cashflow MWR's Multiply My Cashflow System provides you with everything you need to save, grow, and protect your money! All of this is done for you by a team of licensed experts! Get started today!

Explore MWR's Cashflow Multiplying Strategies Diversified Cashflow Account Become your own bank and ignite your savings. This account is another way to become your own bank and earn guaranteed uninterrupted interest and dividends on your money tax-free with no risk of loss. it's your savings account on steroids! There are many benefits to becoming your own bank. Borrowing from yourself while continuing to earn interest and dividends on the money you borrow is just one of them. Private Reserve Account Create a money multiplier effect with your own bank. Looking for the best way to save, grow and protect your money tax-free without risk of loss? Learn the advantages of having your very own Private Reserve Account. MWR Land Banking Remove the guesswork of being a Real Estate Investor. MWR Land Banking gives you an opportunity to purchase segments of some of the most sought-after pieces of real estate in the U.S. And best of all - these properties are made available to you at an average of 20%-40% below their current market value. Trust My Assets Choose the Path That is Right for You Our Trust Experts provide everything you need to protect your assets while legally and ethically eliminating income tax liabilities so that you can build, live, and leave a legacy. MWR Trust My Assets offers two paths that make it easy and affordable for everyday people to properly structure a series of private trusts that can legally and ethically eliminate income tax liabilities while protecting assets and generational legacies. Take a moment and review the videos below to understand which path is the right one for you and your family. What‘s your best path? MWR Trust My Assets offers two paths to securing your very own private trusts. Please watch the videos below to get started.

MWR Protect My Assets experts do the work for you to put your trust in the proper jurisdiction to provide you with a private trust that becomes bullet-proof protection from eroding factors such as creditors, lawsuits, judgments, and liens! Moreover, it protects tangible assets such as real estate, personal property, stocks, bonds, commodities, art, and other valuable collection types. You must have a minimum of $20,000 in Assets to participate! MWR Structure My Legacy also provides you with everything included in the Protect My Assets Trust, along with two additional trusts designed to help you virtually eliminate taxes while also allowing you to build, live, and leave a legacy for generations to come! The 3 trusts included with Structure My Legacy are exactly how the wealthy elite avoid probate while passing their money, businesses, and assets down to their families, tax-free, and now you can too! You must have a minimum of $20,000 in Assets and $70,000 or more in annual business income to participate! Create Your Business Trust: Protect your assets by creating a business trust, removing your name from your assets, whereby you own nothing but control everything as the trustee. Let me put it this way… You will be wealthy enough to afford anything you wish (in the interest of the Trust you control) and be poor enough on paper (legally and ethically) to be able to qualify for food stamps, including being free of any taxable liabilities in your personal name, but your business will protect all of your assets. Should there be any taxable liabilities for your business, your business will donate 100% of the taxable funds to the Family Trust, thereby making your business trust 100% non-tax-liable. Create Your Family Trust: Funds donated to the family trust can be used to finance the needs of your family for generations. We are all familiar with the Rockefeller family, right? If you do not, I would recommend you YouTube their history. Try to focus on their strategy for taking care of their family for generations. I assure you, some of the things you will discover will be intriguing and interesting. Other things will affirm your suspicions about the behaviors of the rich and why we must be careful to Honor the Lord with our wealth according to the scripture while also making sure that our family’s legacy is established as the Word invites us to do. A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous. Proverbs 13:22 ESV Your Family Trust does many things, and I invite you to learn about them through our Trust Expert, which you have access to through your membership. What you need to know is that you are the Trustee and have the autonomy to oversee the management of the Trust. Should there be any taxes due to the government for any reason, you can eliminate that taxable liability ethically by donating 100% of those funds to YOUR foundation. Yes, you can create an endowment for your foundation and donate in your family’s name as you fund that donation through your business to your Nonprofit foundation 100% of all (would be) taxable liabilities. Your foundation will be the direct beneficiary of the money you have redirected from the government tax system, that will now be used to make a difference in the world in the name of you, your family or even your ministry.

Now… You may be thinking that this presentation is overkill. I don’t see it that way. I see MWR Financial as a strategy for accelerating vision. In Proverbs 29:18-19 the scripture says, “that without a vision the people perish.” Does it not? The scripture also declares in Amos 3:7 that the Lord God does nothing without revealing His secret to his servants, the prophets and that our visions should be written down plainly according to Habakkuk 2:2, no matter how long we must wait v.3. We are advised in Luke 14:28 that while planning, one should count up the cost before building anything. We know our trust is not in our wealth; however, we are to be wise in our wealth as we are advised in Proverbs 3:9 to honor the Lord with our wealth. I can appreciate the many scriptures that authorize and permit the attaining of wealth with guidelines, such as Paul’s instructions to young Timothy (1 Timothy 6:17-19) as he advised him not to view all the wealthy or rich people he encountered as being haughty or ones that sat their hopes on the uncertainty of riches, but rather there were some that set their hopes on God, who richly provides each of us with everything to enjoy. He goes on to explain to Timothy why that was. He says that they are to do good, to be rich in good works, to be generous and ready to share, (and by doing so), thus storing up treasure for themselves as a good foundation for the future (earthly and eternally), so that they may take hold of that which is truly life. So, according to Luke 16:10-14, if you cannot be trusted with earthly or worldly wealth or riches, you will not be trusted with the true riches (spiritual, physical, etc.). And it goes on further to say that if you cannot be trusted with the things that belong to someone else, you will not be given anything of your own. You cannot serve two masters at the same time. You will hate one master and love the other. So, it is not our goal to get you to love money but rather to help you obtain it as Deuteronomy 8:18 encourages us to remember that the Lord our God, for it is he who gives us the ability to produce wealth, and so confirms his covenant that must be established, which He swore to our father Abraham. We are advised as to how to do this in many scriptures, but my favorite is Ecclesiastes 11:2, which advises us to invest in seven ventures, yes, in eight, because we do not know what disaster may come upon the land. Thus, one should obtain wealth for the sake of being prepared for the unknown. And keep this in mind: would you rather be the lender or the borrower? In a crisis, would you rather have to give to others or be the ministry in need of help from others? The scriptures declare in Acts 20:35 that it is more blessed to give than to receive because, above every other reason we can imagine, giving draws our hearts to Christ. So, with that being said, this is another core reason for my passion for this program. I want to show you how a ministry can truly make a difference in the community. I believe every pastor understands what it means to sacrifice. We have taken money from our families to fund our ministries because we had to. Now, you can establish a stronger financial foundation for yourself and your family. Then set up your ministry to be a resource for every member, fellow servant of the faith community for whom you work with and collaborate with. You are now positioned with the tools and resources that will provide real solutions to real financial problems. This is what the Church is often accused of not doing. Let’s commit to changing that once and for all.

Bishop T.D. Jakes is an amazing example of a Kingdom Builder in Business and Ministry. Look at some of the work he has done outside of the church he pastors, which is The Potters House. He separated his personal ministry and built a legacy that will outlive the church should he ever leave that institution. I created something similar but did so in the name of the church to protect the institution. Either way is fine. However, both the institution/church and the personal ministry of the individual have the same opportunity to establish something God can use for His glory. This is Kingdom Building with Strategic Goals for Growth and Real Impact. This is beyond talking and raising love offerings and annual membership pledges. Our church is doing something similar. However, it’s the financial strategies that give us financial peace (The peace is in the strategy). Since 2017, The company has been offering members… 1: The Instant Pay-Raise Program 2: Credit Restoration Program 3: The Debt Elimination Program 4: The Private Reserve Account Program 5: The Land Banking Program In 2022- 2024… We’ve added: 1: Keys to Homeownership 2: The Diversified Cashflow Account 3: Trust & Assets Protection Account Then In 2024, We just added: 4: MWR Precious Metals (Gold & Siver Acquisitions) 5: The Health Savings Account (Leverage Savings) Since 2017, we’ve offered other supporting ancillary services that align with the core services we offer (Tax services, Back Tax corrections, Student Loan Consolidation, Self-help Legal Services, Business Credit Establishing, and Unlimited Financial Expert Consulting). This doesn’t include the business compensation.

So, as you can see, the membership offers a lot of practical solutions whereby the church can provide its’ members as a financial life solution to the various economic challenges we all face. But the church has to be positioned to be of help. No other MLM business does that for a one-time $100. MWR Financial offers additional cash flow strategies that can accelerate your existing cash flow efforts and pending solutions. As a struggling pastor, I can assure you, I’ve been there. So, I am offering you a different solution… I want you to roll your sleeves up and get to work with me. I found a money tree, and I am asking you to come shake with me. The secrets have finally been revealed and can be hidden no more! We need some help telling it! I assure you; you will not be sorry… This Company Is the Win for the people who are the body of Christ.

Work to Create Your Foundation Trust: This Trust will allow you to make a huge difference in the world. Whatever causes or social interests you have been called to establish or support is developed and cultivated in this manner. Just imagine becoming one of the many foundations you’ve heard about that engages in philanthropic activities throughout the world, being one you or your ministry created, which is Kingdomfocused or something to honor your family’s name and legacy. We all want to do great things, but that requires organization and funding. Make no mistake: your membership and participation in the Trust My Assets program will multiply your wealth. The government will seek its lion's share, but the beautiful thing about the complex trust structure is that the Business Trust has removed 100% of its taxable liabilities, as did your Family Trust because it funded your Foundation Trust. Your business is protected, your family is taken care of and is protected, and now your foundation can protect itself from any remaining taxable liabilities by following one simple requirement of the government, which is to donate a minimum of 5% to a charity or nonprofit of its choice. And guess what? That can be “your church”, School, or organization of interest which glorify the Lord or is meaningful to you. THIS IS THE WIN FOR GOD’S PEOPLE. The MWR Trust My Assets finally makes wealth real. Whoever multiplies his wealth by interest and profit gathers it for him, who is generous to the poor. Proverbs 28:8 ESV Honor the Lord with your wealth and with the first fruits of all your produce; Proverbs 3:9 ESV Below is a brief strategic diagram of where to begin and how to build your organization. However, you will want to join the MWR Kingdom Builders Group and Webinars and the Extra Digit Movement training group, which provides numerous tools and resources. Pastor and family enroll 1st, then enroll their ministry (forprofit business, which will fund the ministry). The pastor will invite 3 more pastors and their churches to become selffunded and profitable. Strategy Tip: If you schedule to enroll 6 people at a time per week, you will earn an extra $300 per week. Plus, bonuses and you will have activated the Daily Pay which pays $5- $15,000 per day, plus other leadership bonuses.

See what you can do when you share the good news with others. Remember, you only need to share this with 5-12 like-minded people to see this happen. Be mindful, this is work. If everyone commits to help everyone get their 3 people, this is not hard to do. It is not difficult to do because of the product, services, access to unlimited consults from experts who do all of the work and the 100% money back guarantee and the low cost to get started. For anyone interested in acquiring their own home-based business for a one-time $100, they will simply need to add that cost to their $149.97 membership and get connected to training.

Please remember that the Daily Pay only applies to MWR QFDs Business Owners! The Debt Systems that causes our problems requires a Wealth SYSTEM that gives us Solutions!

Remember, like you, I am not an expert. However, I do work hard to get people in front of the experts. Therefore, I lead and attend trainings and participate in Live Overview Presentations.

www.mwrfinancial.com/gracewtworks IF YOU ARE STILL Hesitant… MWR Financial offers a 30-day trial with a money-back guarantee. See the terms listed in this MWR Financial Plan of Action Summary: Step 1: SAVE MONEY- GET YOUR INSTANT PAY RAISE! If you are a W-2 Employee or Business Owner, please complete the Instant Pay Raise steps in your Financial Edge Portal to see how much money our experts can help you add to your next paycheck and/or save in taxes! During this process, you may also want to upload your last 3 years’ tax returns to see if our Experts can get you more money back than your tax preparer may have missed. Step 2: CREDIT RESTORATION: ENROLL IN CREDITMAX TO MAXIMIZE YOUR CREDIT SCORES! and upload your credit reports so our credit restoration experts can begin working on getting your credit scores back into the best shape possible. This can potentially allow you to reduce your interest rates, monthly payments & even your car or home-owners insurance premiums so that you can put even more of your hard-earned money back in your pocket. Step 3: DEBT ELIMINATION: ACTIVATE EQUITYMAX TO START ELIMINATING YOUR DEBTS. This will give you a monthly Plan of Action to eliminate your debts in record time while potentially saving you tens and even hundreds of thousands of dollars in interest! And Best of All… EquityMAX allows you to do it without having to spend one dime more than you are right now. Step 4: GROW YOUR MONEY, PUT YOUR MONEY TO WORK FOR YOU! Schedule a WealthMAX “Private Reserve Account” Consultation to see how our experts can help you become your own private bank and provide you with the BEST ways to save, grow and protect your money, Tax-Free, with NO risk of Loss! And… Schedule a WealthMAX Land Banking Consultation to find out how our experts can help you buy land in the path of growth without ever having to write a check, just like the wealthy have been doing for decades! Step 5: OPTIONAL INCOME EXPANSION- MAKE MONEY! SHARE THIS INFORMATION WITH OTHERS to start building your MWR Financial Business. The membership benefits sell themselves. Sharing them with others can help you earn a real residual income that can eliminate the cost of your business and membership while allowing you to accelerate the wealth-building process. Step 6: USE SOME OR ALL OF THE CASH-FLOW/SAVINGS/INCOME CREATED ABOVE to accelerate your EquityMAX debt elimination plan or use this additional money to increase your “Private Reserve Account,” so you can start earning a passive income and accelerate your retirement date. This is how you Make Wealth Real!

Be mindful that to qualify for the MWR Financial guarantee, you must be an Active MWR Financial Consultant with a Financial Edge Membership (QFC) and complete the steps listed in the MWR Financial Plan of Action within 30 days of your enrollment date. If during this time, our experts/ strategies/ opportunity is unable to help you or your spouse save or make more money, you may request a full refund of your first-month Financial Edge membership fee of $99.97, as well as your first-month Business Center fee ($50.00). Requests for refunds must be submitted within 30 days of enrollment and are only available upon verified completion of the steps outlined in the MWR Financial Plan of Action, which has been shared with you. Would you like more details? Are you ready to take a closer look at this program? Visit my site www.MWRFinancial.com/GraceWTWorks (Contact: Johnnie Porter 678-637-4653) Faith & Finance Website: https://www.mwrfinancial.com/mwrfaith/?member=Empower365 Be advised that there are training tools available. This is your business, and it is your responsibility to treat your business as such, whereby learning your business is your responsibility for your success or failure. Simply put, if you want to be successful, we encourage you to learn your business and to attend trainings. BELOW IS A MOMENTUM BONUS TRACKER TO HELP GUIDE YOU AS YOU BUILD YOUR ORGANIZATION WITHIN YOUR FIRST 90 DAYS. DO NOT LEAVE ANY MONEY ON THE TABLE. 1. TRY ALL OF THE SERVICES YOU WISH FOR IN YOUR FIRST 30 DAYS. 2. ENROLL 3-5 PEOPLE AS QUICKLY AS YOU CAN. GET THEM TO A LIVE PRESENTATION (THIS MAY REQUIRE 1-2 EXTRA VIEWS). 3. REMEMBER… YOU ARE NOT THE EXPERT; GET THEM IN FRONT OF AN EXPERT PRESENTER GIVING AN OVERVIEW. I ASSURE YOU IF THEY STAY UNTIL THE END OF THE PRESENTATION AND Q&A, THEY WILL WANT TO JOIN THIS PROGRAM. 4. BEFORE YOUR 60TH DAY, DO WHAT YOU CAN TO HELP THEM WITH ENROLLING THEIR FIRST 3 PEOPLE. THIS COULD BE A GREAT NETWORKING OPPORTUNITY. 5. BEFORE YOUR 90TH DAY CONTINUE WORKING WITH ALL OF THE PEOPLE IN YOUR ORGANIZATION. KEEP IN TOUCH AS YOU INSPIRE THEM TO BUILD THEIR ORGANIZATION (WHICH MAY NOT INCLUDE OTHER CHURCH MEMBERS, BUT THEIR FAMILIES AND FRIENDS AND POSSIBLY BUSINESS RELATIONSHIPS). KEEP IN MIND THAT YOUR PARTNERSHIP WITH THE CHURCH IS NOT LIMITED TO THE CHURCH ONLY. EVERYONE NEEDS THIS PROGRAM. MANY DON’T REALIZE YET. Scan to learn more about the Marketing APP tool Most of us are too busy to do traditional Networking as the business typically requires. This Team APP is a game changer. Our team is a wealth syndicate that is focused.

See how I use these tools personally (Business cards and Vehicle Signs) FOR MORE INFORMATION AND VIDEOS ABOUT MWR FINANCIAL SCAN ANY OF THE SQUARES TO LEARN MORE. I CANNOT SAY THIS ENOUGH. THERE ARE NUMEROUS LEARNING RESOURCES AVAILABLE TO MEMBERS. IT IS IMPORTANT THAT YOUR QUESTIONS CAN BE ANSWERED AND THAT YOU UNDERSTAND THIS PROGRAM. MANY OF US WHO ARE MEMBERS ENJOY CONNECTING AND LEARNING FROM EACH OTHER AS WE SHARE THIS WITH OTHERS AND CHANGE OUR FINANCIAL PORTFOLIOS BY MAKING EXTRA DIGITS IN OUR INCOME, SAVING THE MONEY WE HAVE ALREADY WORKED HARD FOR, AND GROWING EVERY SINGLE DOLLAR WE MAKE FROM NOW ON. I AM CONFIDENT THAT THERE IS NO OTHER FINANCIAL LITERACY PROGRAM THAT CAN COMPETE. THE FINANCIAL PEACE IS IN “THE STRATEGY”!!! AND THAT IS WHAT MWR FINANCIAL PROVIDES. TRULY MWR FINANCIAL IS THE #1 FINANCIAL MAKEOVER COMPANY THAT EXISTS TODAY. WELCOME TO THE MOVEMENT. PASTOR JOHNNIE B. PORTER GraceWTWork s

JOIN US WEEKLY FOR THE LIVE WEBINARS. YOU CAN INVITE YOUR FRIENDS AND NEW ENROLLEES TO JOIN US WEEKLY. SEE THE ZOOM INFORMATION DETAILS ABOVE. WE HAVE SERVERAL ZOOM MEETING OPPORTUNITIES IF YOU ARE UNABLE TO MAKE IT TO THIS ONE… GET BACK WITH ME AND I WILL SHARE THEM WITH YOU.

Financial Mastery 100 Bible Verses about Proverbs 22:7 ESV The rich rules over the poor, and the borrower is the slave of the lender. Romans 13:8 ESV Owe no one anything, except to love each other, for the one who loves another has fulfilled the law. Luke 6:38 ESV / Give, and it will be given to you. Good measure, pressed down, shaken together, running over, will be put into your lap. For with the measure you use it will be measured back to you.” Proverbs 3:9-10 ESV / Honor the LORD with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine. Philippians 4:19 ESV / And my God will supply every need of yours according to his riches in glory in Christ Jesus. 2 Corinthians 9:8 ESV / And God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work. Malachi 3:10 ESV / 5 Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need. Proverbs 10:22 ESV / 5 The blessing of the LORD makes rich, and he adds no sorrow with it. 3 John 1:2 ESV / 4 Beloved, I pray that all may go well with you and that you may be in good health, as it goes well with your soul. Hebrews 13:5 ESV / Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”

Luke 12:15 ESV / And he said to them, “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” Matthew 25:14-30 ESV / “For it will be like a man going on a journey, who called his servants and entrusted to them his property. To one he gave five talents, to another two, to another one, to each according to his ability. Then he went away. He who had received the five talents went at once and traded with them, and he made five talents more. So also he who had the two talents made two talents more. But he who had received the one talent went and dug in the ground and hid his master's money. ... Matthew 6:33 ESV / But seek first the kingdom of God and his righteousness, and all these things will be added to you. Matthew 6:31-33 ESV / Therefore do not be anxious, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the Gentiles seek after all these things, and your heavenly Father knows that you need them all. But seek first the kingdom of God and his righteousness, and all these things will be added to you. Proverbs 22:9 ESV / Whoever has a bountiful eye will be blessed, for he shares his bread with the poor. Proverbs 21:20 ESV / Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it. Proverbs 21:5 ESV / The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty. Psalm 37:21 ESV / The wicked borrows but does not pay back, but the righteous is generous and gives; Psalm 24:1 ESV / A Psalm of David. The earth is the LORD's and the fullness thereof, the world and those who dwell therein, Deuteronomy 8:18 ESV / You shall remember the LORD your God, for it is he who gives you power to get wealth, that he may confirm his covenant that he swore to your fathers, as it is this day. 1 Timothy 5:8 ESV / But if anyone does not provide for his relatives, and especially for members of his household, he has denied the faith and is worse than an unbeliever.

Philippians 4:11-13 ESV / Not that I am speaking of being in need, for I have learned in whatever situation I am to be content. I know how to be brought low, and I know how to abound. In any and every circumstance, I have learned the secret of facing plenty and hunger, abundance and need. I can do all things through him who strengthens me. 2 Corinthians 9:6-8 ESV / The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work. 1 Corinthians 16:2 ESV / On the first day of every week, each of you is to put something aside and store it up, as he may prosper, so that there will be no collecting when I come. Acts 20:35 ESV / In all things I have shown you that by working hard in this way we must help the weak and remember the words of the Lord Jesus, how he himself said, ‘It is more blessed to give than to receive.’” Luke 14:28-30 ESV / For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish.’ Mark 12:41-44 ESV / And he sat down opposite the treasury and watched the people putting money into the offering box. Many rich people put in large sums. And a poor widow came and put in two small copper coins, which make a penny. And he called his disciples to him and said to them, “Truly, I say to you, this poor widow has put in more than all those who are contributing to the offering box. For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all she had to live on.” Mark 4:19 ESV / But the cares of the world and the deceitfulness of riches and the desires for other things enter in and choke the word, and it proves unfruitful. Matthew 19:21-26 ESV / Jesus said to him, “If you would be perfect, go, sell what you possess and give to the poor, and you will have treasure in heaven; and come, follow me.” When the young man heard this he went away sorrowful, for he had great possessions. And Jesus said to his disciples, “Truly, I say to you, only with difficulty will a rich person enter the kingdom of heaven. Again I tell you, it is easier for a camel to go through the eye of a needle than for a rich person to enter the kingdom of God.” When the disciples heard this, they were greatly astonished, saying, “Who then can be saved?” ...

Matthew 6:24 ESV / “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money. Matthew 6:21 ESV / For where your treasure is, there your heart will be also. Matthew 5:42 ESV / Give to the one who begs from you, and do not refuse the one who would borrow from you. Ecclesiastes 5:19 ESV / Everyone also to whom God has given wealth and possessions and power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God. Proverbs 28:27 ESV / Whoever gives to the poor will not want, but he who hides his eyes will get many a curse. Proverbs 28:20 ESV / 3 helpful votes A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished. Proverbs 23:4 ESV / Do not toil to acquire wealth; be discerning enough to desist. Proverbs 22:26-27 ESV / Be not one of those who give pledges, who put up security for debts. If you have nothing with which to pay, why should your bed be taken from under you? Proverbs 15:22 ESV / Without counsel, plans fail, but with many advisers, they succeed. Proverbs 14:23 ESV / In all toil, there is profit, but mere talk tends only to poverty. Proverbs 13:22 ESV / A good man leaves an inheritance to his children's children, but the sinner's wealth is laid up for the righteous. Proverbs 13:11 ESV / Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.

Proverbs 13:4 ESV / The soul of the sluggard craves and gets nothing, while the soul of the diligent is richly supplied. Proverbs 11:1 ESV / A false balance is an abomination to the LORD, but a just weight is his delight. Proverbs 10:4 ESV / A slack hand causes poverty, but the hand of the diligent makes rich. Proverbs 6:6-8 ESV / Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest. Deuteronomy 16:17 ESV / Every man shall give as he is able, according to the blessing of the LORD your God that he has given you. 1 Peter 5:7 ESV / Casting all your anxieties on him because he cares for you. James 5:1-6 ESV / Come now, you rich, weep and howl for the miseries that are coming upon you. Your riches have rotted and your garments are moth-eaten. Your gold and silver have corroded, and their corrosion will be evidence against you and will eat your flesh like fire. You have laid up treasure in the last days. Behold, the wages of the laborers who mowed your fields, which you kept back by fraud, are crying out against you, and the cries of the harvesters have reached the ears of the Lord of hosts. You have lived on the earth in luxury and in selfindulgence. You have fattened your hearts in a day of slaughter. ... 1 Timothy 6:17 ESV / As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God, who richly provides us with everything to enjoy. 1 Timothy 6:10 ESV / For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs. 1 Timothy 6:10-11 ESV / For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs. But as for you, O man of God, flee these things. Pursue righteousness, godliness, faith, love, steadfastness, gentleness.

1 Timothy 6:9-11 ESV / But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs. But as for you, O man of God, flee these things. Pursue righteousness, godliness, faith, love, steadfastness, gentleness. 1 Timothy 6:9 ESV / But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. 1 Timothy 6:6 ESV / But godliness with contentment is great gain, Colossians 3:1-25 ESV / If then you have been raised with Christ, seek the things that are above, where Christ is, seated at the right hand of God. Set your minds on things that are above, not on things that are on earth. For you have died, and your life is hidden with Christ in God. When Christ who is your life appears, then you also will appear with him in glory. Put to death therefore what is earthly in you: sexual immorality, impurity, passion, evil desire, and covetousness, which is idolatry. ... Philippians 4:13 ESV / I can do all things through him who strengthens me. Philippians 4:6 ESV / Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. Galatians 6:7 ESV / Do not be deceived: God is not mocked, for whatever one sows, that will he also reap. Romans 12:8 ESV / The one who exhorts, in his exhortation; the one who contributes, in generosity; the one who leads, with zeal; the one who does acts of mercy, with cheerfulness. John 15:4-5 ESV / Abide in me, and I in you. As the branch cannot bear fruit by itself, unless it abides in the vine, neither can you, unless you abide in me. I am the vine; you are the branches. Whoever abides in me and I in him, he it is that bears much fruit, for apart from me you can do nothing.

John 3:16-17 ESV / “For God so loved the world, that he gave his only Son, that whoever believes in him should not perish but have eternal life. For God did not send his Son into the world to condemn the world, but in order that the world might be saved through him. Luke 21:1-4 ESV / Jesus looked up and saw the rich putting their gifts into the offering box, and he saw a poor widow put in two small copper coins. And he said, “Truly, I tell you, this poor widow has put in more than all of them. For they all contributed out of their abundance, but she out of her poverty put in all she had to live on.” Luke 16:11 ESV / If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches? Luke 16:10 ESV / “One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much. Luke 14:28 ESV / For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Luke 12:34 ESV / For where your treasure is, there will your heart be also. Luke 3:14 ESV / Soldiers also asked him, “And we, what shall we do?” And he said to them, “Do not extort money from anyone by threats or by false accusation, and be content with your wages.” Mark 8:36 ESV / For what does it profit a man to gain the whole world and forfeit his soul? Matthew 25:21 ESV / His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ Matthew 23:23 ESV / “Woe to you, scribes and Pharisees, hypocrites! For you tithe mint and dill and cumin, and have neglected the weightier matters of the law: justice and mercy and faithfulness. These you ought to have done, without neglecting the others.

Matthew 7:11 ESV / If you then, who are evil, know how to give good gifts to your children, how much more will your Father who is in heaven give good things to those who ask him! Matthew 6:1 ESV / “Beware of practicing your righteousness before other people in order to be seen by them, for then you will have no reward from your Father who is in heaven. Malachi 3:8-10 ESV / Will man rob God? Yet you are robbing me. But you say, ‘How have we robbed you?’ In your tithes and contributions. You are cursed with a curse, for you are robbing me, the whole nation of you. Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need. Haggai 2:8 ESV / The silver is mine, and the gold is mine, declares the LORD of hosts. Jeremiah 29:11 ESV / For I know the plans I have for you, declares the LORD, plans for welfare and not for evil, to give you a future and a hope. Jeremiah 17:8 ESV / He is like a tree planted by water, that sends out its roots by the stream, and does not fear when heat comes, for its leaves remain green, and is not anxious in the year of drought, for it does not cease to bear fruit.” Ecclesiastes 11:2 ESV / Give a portion to seven, or even to eight, for you know not what disaster may happen on earth. Ecclesiastes 5:10 ESV / He who loves money will not be satisfied with money, nor he who loves wealth with his income; this also is vanity. Proverbs 30:24-25 ESV / Four things on earth are small, but they are exceedingly wise: the ants are a people not strong, yet they provide their food in the summer; Proverbs 28:22 ESV / A stingy man hastens after wealth and does not know that poverty will come upon him. Proverbs 28:8 ESV / Whoever multiplies his wealth by interest and profit gathers it for him who is generous to the poor.

Proverbs 27:23 ESV / Know well the condition of your flocks, and give attention to your herds, Proverbs 24:3-4 ESV / By wisdom a house is built, and by understanding it is established; by knowledge the rooms are filled with all precious and pleasant riches. Proverbs 22:16 ESV / Whoever oppresses the poor to increase his own wealth, or gives to the rich, will only come to poverty. Proverbs 21:17 ESV / Whoever loves pleasure will be a poor man; he who loves wine and oil will not be rich. Proverbs 19:17 ESV / Whoever is generous to the poor lends to the LORD, and he will repay him for his deed. Proverbs 16:8 ESV / Better is a little with righteousness than great revenues with injustice. Proverbs 16:1 ESV / The plans of the heart belong to man, but the answer of the tongue is from the LORD. Proverbs 12:11 ESV / Whoever works his land will have plenty of bread, but he who follows worthless pursuits lacks sense. Proverbs 11:28 ESV / Whoever trusts in his riches will fall, but the righteous will flourish like a green leaf. Proverbs 11:25 ESV / Whoever brings blessing will be enriched, and one who waters will himself be watered. Proverbs 11:24-25 ESV / One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want. Whoever brings blessing will be enriched, and one who waters will himself be watered. Proverbs 11:4 ESV / Riches do not profit in the day of wrath, but righteousness delivers from death. Proverbs 6:6-11 ESV /

Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest. How long will you lie there, O sluggard? When will you arise from your sleep? A little sleep, a little slumber, a little folding of the hands to rest, ... Proverbs 3:9 ESV / Honor the LORD with your wealth and with the firstfruits of all your produce; Psalm 37:25 ESV / I have been young, and now am old, yet I have not seen the righteous forsaken or his children begging for bread. Psalm 37:4 ESV / Delight yourself in the LORD, and he will give you the desires of your heart. Psalm 35:27 ESV / Let those who delight in my righteousness shout for joy and be glad and say evermore, “Great is the LORD, who delights in the welfare of his servant!” Psalm 23:1 ESV / A Psalm of David. The LORD is my shepherd; I shall not want. Psalm 1:1-3 ESV / Blessed is the man who walks not in the counsel of the wicked, nor stands in the way of sinners, nor sits in the seat of scoffers; but his delight is in the law of the LORD, and on his law, he meditates day and night. He is like a tree planted by streams of water that yields its fruit in its season, and its leaf does not wither. In all that he does, he prospers. THE BIBLE HAS OVER 800 SCRIPTURES ABOUT MONEY, WEALTH, AND STEWARDSHIP. THE BLESSINGS AND THE WARNINGS ARE THERE TO GUIDE US AS TO HOW WE ARE TO USE AND RESPECT GOD, WHO IS OUR SOURCE OF MONEY AND ALL BLESSINGS. IN THE WORDS OF THE CEO OF MWR FINANCIAL, "IT IS NOT OUR INTENT TO USE GOD TO BUILD THIS BUSINESS. HOWEVER, IT IS OUR INTENT TO USE THIS BUSINESS TO FURTHER THE KINGDOM." BRIAN HOUSE- CEO WE ARE SEEKING KINGDOM LEADERS TO HELP US SHARE THIS MESSAGE AND KINGDOM MISSION.

Why Every Church Needs to Build Financial Literacy with a Financial Education Ministry A holistic financial wellness program can help your congregation in more ways than one. It can help church members heal their relationship with their finances, align their money habits with their spiritual values, and become generous givers and grateful stewards of God's Kingdom. Further, financial wellness programs can also be beneficial for church leaders. They can help church leaders save time and energy they would've otherwise spent solving their congregation's financial problems, leaving them free to focus on other important church matters. Here are 3 key reasons why a financial wellness program can make a world of difference to your church and congregation. 1) Reduce Church Members’ Financial Stress One of the biggest benefits of hosting a holistic financial wellness program in the church is having less stressed church members. Growing up, most of us weren’t even taught basic financial literacy. This lack of money management skills can lead to poor financial decisions and even negative emotions like shame and guilt. Further, since money management tends to be a taboo topic, even in the church, years can go by without church members finding a real solution to the money problems. When giving opportunities arise, church members can feel obligated to give above their means. This can increase their debt load or can leave them feeling inadequate or guilty about not being able to follow their heart. Some members may even want to participate in church happenings like mission programs. But they may not be able to because they can't fund such opportunities. A holistic financial wellness program addresses key financial stewardship principles. It equips church members with the tools they need to align their money with their true values, get on the same page with their spouse, and be proactive and intentional with their money. As the scripture from Luke 14:28 states: “But don’t begin until you count the cost. For who would begin construction of a building without first calculating the cost to see if there is enough money to finish it?” (NLT) As members learn to spend more intentionally, there will be more money to save for the future, pay off debt, and give generously. When a Christian household is financially in order, imagine how much love, generosity, and kindness can flow through it. There’s so much that can be done for the kingdom of God in a household of peace. 2) Experience the Power of Growing Together in Financial Stewardship In an article on financial literacy in churches, Lovett H. Weems Jr. and Ann A. Michel of the Lewis Center state: “Churches constantly ask their members to consider the church’s financial situation but seldom offer to help members with their own financial challenges.” The article goes on to say: "If sound management of personal finances is the first responsibility of a Christian steward, then churches have a key role to play in educating, supporting, and equipping members for this task."

The truth is many adults experience discomfort and embarrassment around finances. This can make them feel alone, ashamed, and too scared to ask for help. God wants all of us to be able to do three things: Share our faith, share our time, and share our finances. But as committed Christians, we can’t do these things if we’re hurting financially. When working with Christian clients, I’ve noticed that their goals are almost always the same: I wish I could give more. I want to give and feel good about it. I want to be able to follow my heart. Equipping church members with the tools to follow their hearts can be incredibly transformative, as many members will find freedom in doing God's will. One way to help is by forming support groups where people facing similar challenges can come together to understand each other’s concerns and provide guidance. Sharing and communicating with others in similar circumstances can help ease the pain and embarrassment and give members motivation and hope. With the right support from the church, members can finally learn to “Rejoice always, pray without ceasing, give thanks in all circumstances; for this is the will of God in Christ Jesus for you.” (1 Thessalonians 5:16-18 ESV) 3) Build Financial Literacy with a Financial Education Ministry The third aspect of a holistic financial wellness program is the creation of a Financial Education Ministry led by a dedicated Financial Champion Platform like MWR Financial Inc. As a Financial Champion The Make Wealth Real Financial Company can help the ministry leader to partner with them as they together address the church’s needs. MWR Financial’s experts can be responsible for assessing the church's needs and the church can delegate a financial education ministry director in leading all financial programs. This will allow an intentional focus on this ministry. This person should have the heart of a teacher. Their goal is to teach proper financial stewardship. And to guide church members on how to use the financial resources God has entrusted us with in a way that honors God. This ministry will also be responsible for looking after the various financial needs and concerns of the congregation, including: Legacy planning for those getting ready for retirement. Money management basics for premarital couples and young families Crisis management for those who are deep in debt or are in trouble with creditors.

Using the MWR Financial Edge membership’s services and strategies, the financial education ministry director can also be responsible for conducting seminars where skilled church members can volunteer to educate the congregation on: Investing (a financial advisor) Legacy planning and wills (attorney, estate planning) Proper risk management (insurance) “Do not store up for yourselves treasures on earth, where moths and vermin destroy and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.” (Matthew 6:19 – 21 NIV) Creating a separate Financial Education Ministry will also show the congregation that the church cares about their needs and welfare. Church members who can build healthy money habits and get their finances in order will no longer feel burdened by lack and scarcity. They will now be able to give proactively from a place of abundance, generosity, and joy. In conclusion, a holistic Financial Wellness program will relieve church members’ financial stress and enable them to give more generously. And the best part is that this can be accomplished without adding a burden to the church leaders’ already packed schedule. If you’re interested in implementing a holistic financial wellness program at your church, book a free discovery call with a Qualified Director Representative who will assist you with working with a team of Accountable-Certified Financial Wellness experts who work with MWR Financial, the Make Wealth Real Cashflow Company. What can I deduct from my taxes as a home-based business? The following list contains the most common deductions home-based business owners claim on their tax returns. Consult with an accountant or financial professional to determine whether you are eligible for any of these deductions or any others that exist outside this list. Home-related expenses Home office-related deductions are based on the percentage of your home that you use for business. To obtain this number, divide the square footage of your office space by the total square footage of your home. It is important that these calculations are accurate and that you only deduct the appropriate percentage of each expense.

If you do meet IRS guidelines, you can deduct the following home-related expenses: • Homeowner's insurance. • Homeowners association fees. • Cleaning services or cleaning supplies used in your business space. • Mortgage insurance and interest. • Utilities, including electricity, internet, heat and phone. Repairs and maintenance If you make home repairs or upgrades related directly to your business space, you may also write these expenses off on your taxes. The amount you can write off depends on whether the expense is direct (it only benefits your home office) or indirect (it benefits your entire home). • Direct: If you spend $100 to fix a window in your home office, you may deduct the full $100 on your taxes. • Indirect: If you pay $1,000 to repair a leak in your roof, you may only deduct a percentage of that expense equivalent to the percentage of your home used for business. Other business expenses To qualify as a deductible, a business expense must be considered both ordinary and necessary, meaning the expense is common and helpful for your trade or industry. The following expenses may be deducted on any home-based business tax return, regardless of whether you are eligible for the home office deduction: • Cost of goods sold. If your business manufactures products or purchases them for resale, you can include some of your expenses to calculate the cost of goods sold. The following expenses can be figured into the cost of goods sold: storage, factory overhead, direct labor costs, and the costs of products or raw materials, including freight. • Capital expenses. Capital expenses are costs that you are required to capitalize rather than deduct because they are a part of your investment in your business and are, therefore, considered a business asset. In general, the three types of costs you can capitalize on are business startup costs, business assets, and improvements. • Business use of your car. If you use your car as a part of your business, you are allowed to deduct certain car expenses. As with home expenses, the vehicle used for business deduction must be calculated based on the percentage of miles driven for business purposes versus personal trips.

• Employee payments. Generally, you can deduct the cost of paying employees. • Retirement plans. This type of savings plan offers tax advantages when you and your employees set aside money for retirement. • Rent expenses. According to the IRS, rent is any amount you pay for the use of property that you do not own. A rent deduction is only applicable if you do not and will not receive equity in or title to the property. • Interest. If you borrowed money for business activities, you may deduct the interest expense. • Business taxes. You are allowed to deduct various federal, state, local and foreign taxes that directly affect your trade or business. • Business insurance. You can deduct insurance as a business expense if it is both ordinary and necessary for your trade, business, or profession. • Travel expenses. You can claim a deduction for travel-related expenses if you reimburse them under an accountable plan. • Supplies and materials. You can generally deduct the cost of business-related supplies and materials consumed or used within a tax year. • Professional services. Fees incurred from professional services that are ordinary and necessary, such as accounting, consulting, legal or contract labor, can be deducted as a business expense. • Marketing and business development. Generally, expenses that are used to find new customers and keep existing clients can be deducted. The IRS provides a detailed explanation of these types of expenses and what is eligible for deduction. [Read: Tax Basics for Businesses] While the IRS rules about home office deductions are very strict, it's not automatic that you will get audited simply for claiming your home office. Allow MWR Financial Tax & Financial Experts help you.

How to calculate the home office deduction There are two different methods you can utilize when calculating and determining home office deductions: the regular method and the simplified method. Regular method First, you can go by the percentage of your home which is being used for business. This works by measuring the size of your home office as a percentage of the total square footage of your residence. For example, if your office was 75 square feet and the total area of your home is 1,000 square feet, the calculated business percentage would be 7.5%. Any direct business expenses can be deducted in full, and any indirect expenses can be deducted at that business percentage. (If you are filing your taxes as a self-employed person through Form 1040, you can use Form 8829 for outlining the business use of your home.) In keeping with our example, you could deduct 7.5% of your rent or mortgage since that money is spent on your office space. You can generally apply that thinking to your electric and internet bills as well. If you only use a home workplace or office part of the time, you will need to calculate the percentage of time that you use the percentage of space. This is why it is encouraged to operate your MWR Financial business in your home. This includes home meetings and even the utilization of the various online trainings and conferences. Remember, for your business to qualify for these deductions, you must make attempts to earn a profit, which is why we encourage you to get comfortable doing personal or group online presentations in a dedicated space designated for your business operation. Simplified option A simpler calculation would be to divide the number of rooms in your home you use for business by the number of rooms in the house; however, this calculation is only accurate if all the rooms in your house are a similar size. Special rules also apply for certain professions, such as those who use their home as a daycare. The second method for claiming a deduction uses a determined rate, which is then multiplied by the amount of square footage that is being used for business within the home. The prescribed rate can change from year to year, and in 2023, is currently set at $5 per square foot with a 300-square foot maximum. This would mean that a deduction for an office

measuring 200 square feet would be $1,000, because you’d multiply the square footage by the $5 per square foot rate (200 sq. ft. x $5 per sq. ft.). Which method is best for you? MWR Financial will assist you with this method if you wish; however, if you wish to do this yourself, you need to understand the following information. And you must understand the differences between the two methods being discussed. While the second, simplified method may be easier to calculate and claim the deduction, it may not offer entrepreneurs all the deductions they qualify for. In 2023, the simplified method will only allow for up to $1,500 in deductions. Take a look at your receipts and expenses from the year to see if the $1,500 limit is a good fit for you. The simplified option will likely work best for those just starting freelancing or a small business since they will likely have fewer expenses. If you have a business outside of MWR Financial or in addition to MWR Financial that is more developed and has more expenses, the regular option should be a better fit. With a $10,000 maximum deduction, the regular option can encompass all the details of your home business: a new office chair, a CRM or Business payroll or HR management software subscription or painting the office. Not all expenses will qualify for the maximum $10,000 deduction, and eligibility and qualifications may change yearly. It’s important to stay up to date on the current qualifications and rules for a home office deduction. Accounting tips for home-based businesses Accounting is incredibly important for any business, but home-based business owners will need to pay special attention to their finances and expenses if they want to save the most money during tax time. Here are a few key tips to exercise throughout the year in preparation for tax season: • Create a separate space for your business. If you want to take a home office deduction, ensure your workspace meets the “exclusive use” test. • Separate business and personal expenses. Maintaining distinctly separate accounts for business finances and personal finances will keep your books clean and organized when you need to evaluate your business income and expenses. • Track all business use of personal assets. If you use assets like your laptop, cell phone and car for both business and personal purposes, be sure to keep a record of any business use so you can accurately calculate the percentage used for business.

• Account for estimated and self-employment taxes. Unlike a traditional job in which an employer withholds taxes, Social Security and Medicare payments from an employee’s check, business owners must pay these expenses. Sole proprietors, partners, LLCs and S corporations are generally required to pay estimated quarterly taxes. • Set up an accounting system. To make tax season as easy as possible, implement a consistent, organized accounting system for yourself to keep track of receipts and invoices. Take special care with business dinners, work-related travel, vehicle expenses, and home office receipts. • Prepare a profit and loss statement. Even if it isn’t required of you for other purposes, calculating your profits and losses leading into tax season can help minimize the likelihood of a surprise. It also gives you an opportunity to get your receipts in order and ready to be handed to the accountant. • Establish a small business payroll if necessary. If you have any employees or independent contractors, you will need to have a payment schedule and the appropriate tax forms. Keep track of the name, address, and rate for each independent contractor in order to complete endof-year forms. • Factor in location. If you have clients in other states or countries, you may need to report income in those places as well. Additionally, you likely have to pay more taxes on international income. For these, keep track of the amount of income in USD instead of the country’s currency. • Apply for funding. Consider applying for a small business loan, especially if your business has experienced hardship due to the pandemic or other external factors. Calculate the ROI of the loan, factoring in what expenses you hope it will cover, what you expect to gain from it, and how much the interest will set you back. • Develop a system for review. The tax practices of a small, budding freelance business vs. the needs of a larger company with multiple employees will be wildly different. Schedule and conduct periodic reviews of your accounting methods so you can adjust as needed. Additionally, keep an eye on the time and cost of your accounting methods so you can gauge your need for external support. • Consider using accounting software. Implementing accounting software can cut down on the time and cost you spend preparing for tax season. This is where your previous calculations come in. If the cost of accounting software makes sense for you, the right software can be a great fit for small and home-based businesses. • Hire an accountant. You can learn a lot about accounting and tax regulations through independent online research, but there's no substitute for the advice of an experienced professional. Follow our guide to choosing an accountant if you're looking for the right CPA or accounting firm for your business. • MWR Financial has some ancillary services that can help. Also, I have some additional resources to share with you that can assist you with your goals. See additional resources further below.

I would recommend using Gusto HR Payroll to assist with bookkeeping: https://gusto.com/x/johnnie287 MWR Financial doesn’t offer Bookkeeping (yet). Will I get audited by the IRS if I take the home office deduction? It is a common belief that claiming the home office deduction will automatically trigger an IRS audit; however, while the IRS rules about home office deductions are very strict, it's not automatic that you will get audited simply for claiming your home office. There are measures you can take to reduce your chances of getting audited. Before taking the home office deduction, you’ll want to make sure your business qualifies to avoid claiming any deductions you aren’t eligible for. Maintain records of all your business expenses and purchases, and ensure that your residence, home office usage, and type of employment qualify for this expense. The IRS has an automated system that helps detect red flags. The system will compare your tax situation and deductions to others in your industry. If you claim something that others in your profession don’t generally claim, or claim “too much” space in your home as your home office, the system may see that as a red flag and lead the IRS to investigate further. If you do decide to take the home office deduction, it's essential to follow the IRS guidelines to the letter, as they change somewhat frequently. MWR Financial— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation. The Lead Trainers of MWR Financial—are committed to helping you start, run, and grow your small business. Learn more about the benefits of small business membership in the U.S. Chamber of Commerce, here. Published April 05, 2023, Adapted January 05, 2024