2 © Copyright 2023 by NIN Publishing in Anderson, South Carolina All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval systems, without permission in writing from the author, except for the inclusion of brief quotations in review. This book is written to provide accurate information on the subject matter covered. Please be advised that Joseph Sangl is not engaged in rending legal, financial, accounting, tax, or any other professional advice. Before making any decisions regarding your own personal financial situation, you should first seek the advice of a proven and competent professional. Scripture quotations marked (NIV) are taken from THE HOLY BIBLE, New International Version®, NIV® Copyright © 1973, 1978, 1984, 2011 by Biblica, Inc.™ Used by permission. All rights reserved worldwide. Cover and Workbook design by Megan Hibbard. Images sourced from Pexels, Canva Pro, Unsplash, and Stephania Whitfield.
Thank You Thank you so much for leading this personal finance study. The mission to help others achieve financial freedom could not be accomplished without people like you. You may not feel like an expert, but that’s okay. This study was created so that discussion and life-change can take place without a financial expert or certified financial teacher in the room. Personal finances can be a touchy subject for many people. Some feel like they will be condemned for past financial decisions or their current circumstances. As a leader, your goal is to create an environment in which people are welcomed just as they are but encouraged to grow on their financial journey. Prepare to be challenged like you have never been challenged before. I have had my world rocked countless times during the leadership of a small group. Do not be surprised when members of your group make a huge impact on your life. I believe that God is going to do big things and I cannot wait to celebrate with you. I have prayed fervently for you and your group. I believe that freedom is waiting. Get fired up! Joe Sangl 3
In This Study Session One 10-11 The Fully Funded Life Ladder Session Two Budgeting 12-13 Session Three Saving 14-15 Session Four Debt 16-17 Session Five Investing 18-19 Session Six Insurance 20-21 Bonus Session Sustaining The Gains 22-23 Getting Started 5 6 7 8 9 Tips for Success Sample Session Structure Just For You Discussion Tips Fully Funded Life Ladder Extras 24-25 26-27 General Finance Terms Money Scriptures
Tips for Success Here are some key tips to help you make this group the best it can be: 1. COMMUNICATE • Before • Establish the best platform for communication (email, text, app, etc.). • Send your group details in advance (time, location, duration). • Encourage your group to come prepared with their I Was Broke. Now I’m Not. book, Workbook, Bible, and something to write with. • During • Keep an open line of communication with your group. • Give friendly reminders to complete the action items and selfreflection prompts each week – these are instrumental for success! • Look for ways to encourage your group between meetings. • After • Follow up with your group when the study is complete! Are there ways you can still encourage one another as you continue your financial journeys? 2. MANAGE EXPECTATIONS • Set and keep a consistent meeting schedule. We encourage a 90-minute session time for each week of the study. • You are a guide and encourager in this study, but you are not a financial advisor. Go ahead and breathe a sigh of relief. You get to walk with your group, pray with them, facilitate great conversation and more, but you do not need to give financial advice (nor should your group expect this of you). 3. PREPARE & PRAY • Ahead of each session, prepare by reviewing the discussion prompts and making notes. • Pray for your group and for each person to experience true freedom as they work through this study. 5
Things to Consider 1. Do you want to include the Sustaining The Gains Bonus Session for your group? This adds one more meeting time for your group, and you may find it beneficial to go through this together! 2. How will you show the session videos each week? Do you have the setup ready and easy to use? Sample Session Structure We recommend a 90-minute block of time per session. • Recap* and Pray: 10 minutes • Video: 45 minutes • Discussion: 30 minutes • Wrap-Up: 5 minutes This structure does not need to be rigid – if conversation is flowing, let it! However, honor the time that each participant has set aside for this and try not to run long. *Note: Session One has a Getting Started Section, rather than a Recap. Session One also has a Welcome video. Our recommendation is that you allocate 15 additional minutes for the first session. 6
Just for You As a group leader, you get exclusive access to the session videos, bonus videos, resources, tools, and more! Start by creating your leader account when you scan the QR code below or go to www.validate.iwasbroke.study. SCAN HERE TO CREATE YOUR ONLINE LEADER PORTAL. For Your Information Participants have access to a portal as well, with session resources, tools, and bonus videos to help them make the most of their study. Encourage them to access their portal throughout the study! The participant’s workbook has the following structure for each session: • Session Brief • Listening Guide • Discussion Questions • Action Items • Self-Reflection Prompts • Preparation for Next Session • Session Thoughts • Memory Verse 7 Each participant should complete these sections on their own between sessions.
Discussion Tips • DO: Take part in the discussions. Model authenticity and transparency. Share from your heart and be part of the conversation. • DON’T: Dominate the conversation. If you are the only one talking, something is wrong. • DO: Encourage involvement from all group members and find ways to involve every person. • DON’T: Pressure people or make them feel uncomfortable. • DO: Let moments of silence happen. Silence can be powerful. • DON’T: Rush to fill moments of silence as participants ponder a question or gather the courage to speak up. • DO: Allow each group member to share as they feel comfortable. • DON’T: Ask or expect participants to share sensitive financial information. • DO: Create a safe and encouraging space, free of judgment and condemnation. • DON’T: Discuss what is shared in the group, outside of the group. • DO: Cheer on the success of those in your group and celebrate every win! 8
THE FULLY FUNDED LIFE Ladder RUNG #1 RUNG #2 RUNG #3 RUNG #4 RUNG #5 RUNG #6 RUNG #7 RUNG #8 RUNG #9 (OR $100/MONTH - WHICHEVER IS GREATER) SAVE MONEY - START WITH ONE MONTH OF EXPENSES INVEST ENOUGH TO CAPTURE FULL COMPANY MATCH ELIMINATE ALL NON-HOUSE, NON-BUSINESS DEBT BUILD SAVINGS TO A MINIMUM OF THREE MONTHS OF EXPENSES PLACE 15% OF GROSS INCOME INTO TAX-ADVANTAGED INVESTMENTS PLACE 30% OF GROSS INCOME INTO TAX-ADVANTAGED INVESTMENTS PAY OFF HOUSE & BUSINESS DEBT LIVE A FULLY FUNDED LIFE SET GOALS 9
Session One THE FULLY FUNDED LIFE LADDER START STRONG! KICK OFF THIS FIRST SESSION BY TAKING A FEW MINUTES TO OVERVIEW THE STUDY AND MANAGE EXPECTATIONS. • ENCOURAGE YOUR GROUP TO GET THE MOST OUT OF THIS STUDY BY PREPARING AND READING AHEAD EACH WEEK, REVIEWING ACTION ITEMS, AND TAKING TIME TO WORK THROUGH THE SELF-REFLECTION QUESTIONS AFTER EACH SESSION. • EMPHASIZE THE CONFIDENTIAL NATURE OF UPCOMING DISCUSSIONS AND ASK THE GROUP TO COMMIT TO CREATING A SAFE SPACE FOR ONE ANOTHER TO SHARE. • WHAT ARE THE GOALS OF THIS STUDY FOR THE GROUP AND FOR EACH PERSON? • OPEN THE FLOOR FOR INDIVIDUALS TO SHARE THEIR PERSONAL GOALS (FROM PAGE 12 IN THEIR WORKBOOK) WITH THE GROUP. AT A GLANCE: SESSION ONE TEACHES THE FULLY FUNDED LIFE LADDER, A FINANCIAL ROAD MAP THAT WILL HELP ORGANIZE A PERSON’S FINANCIAL JOURNEY AND SET THEM ON THE PATH TO SUCCESS. PLAY: WELCOME VIDEO PRAY PLAY: SESSION ONE Discuss 1. Read Proverbs 21:5: “The plans of the diligent lead to profit as surely as haste leads to poverty.” • How does this verse apply to money management? 10 Scan or visit leader.iwasbroke.study
Session One THE FULLY FUNDED LIFE LADDER 2. Why is it important to set goals before embarking upon your financial journey? 3. Why is it important to save money before focusing on debt elimination? 4. In the past, have you attempted to “skip a rung” on your financial journey? (example: attempting to eliminate debt before saving money.) • If so, share your experience. • What setbacks did that create for you? 5. Which foundational elements are missing from supporting your climb up the Fully Funded Life Ladder? 6. What foundational elements have helped you most? Wrap-up • Encourage your group to complete the Action Items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapters 1-5 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. 11
Session Two BUDGETING AT A GLANCE: SESSION TWO WILL EQUIP INDIVIDUALS WITH WHAT THEY NEED TO WIN WITH BUDGETING AND CREATE A BUDGET THAT WORKS. JOE WILL TEACH HOW TO CREATE AN EZ™ BUDGET, AND HE WILL SHARE TIPS ON HOW TO SUCCESSFULLY BUDGET MONTH AFTER MONTH. RECAP: • IN SESSION ONE, JOE TALKED ABOUT THE FULLY FUNDED LIFE LADDER. WHAT DOES YOUR FULLY FUNDED LIFE LOOK LIKE? • HOW DOES THE LADDER IMAGERY IMPACT HOW YOU VIEW YOUR FINANCIAL JOURNEY? • DOES THE FULLY FUNDED LIFE LADDER SIGNIFICANTLY CHANGE YOUR APPROACH TO FINANCES? IF SO, HOW? PRAY PLAY: SESSION TWO Discuss 1. Share your past experiences with budgeting. What worked? What did not work? 2. Why is it so important to plan your spending before the month (and the money) arrives? 12
Session Two BUDGETING 3. Discuss how “giving every dollar a name” allows you to maximize your money. 4. Why is it important to have someone (like this group) hold you accountable to your INCOME – OUTGO = EXACTLY ZERO™ budget? 5. Which of the budgeting tips were the most helpful to you? Why? 6. Describe the feelings you are experiencing as you embark on the task of preparing a budget for the upcoming month. Wrap-up • Encourage your group to complete the action items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapters 6-9 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. 13
Session Three SAVING AT A GLANCE: SESSION THREE HIGHLIGHTS HOW SAVINGS PROVIDE PROTECTION AND STABILITY, AND POSITIONS A PERSON TO ACCOMPLISH THEIR PLANS, HOPES, AND DREAMS (PHD RECAP: • IN SESSION TWO, WE LEARNED HOW TO CREATE A BUDGET THAT WORKS. WHAT WAS YOUR EXPERIENCE WITH CREATING A BUDGET THIS WEEK? WHAT FEELINGS DID YOU HAVE IN THE PROCESS? • WAS CREATING A BUDGET MORE OR LESS CHALLENGING THAN YOU ANTICIPATED? • DID YOUR PERSPECTIVE ON BUDGETING CHANGE AFTER LAST WEEK’S SESSION? IF SO, HOW? PRAY PLAY: SESSION THREE Discuss 1. Why do so few people save money? 2. Why is it important to have at least one month of expenses in savings [i.e. Rung #2] before you begin to aggressively eliminate debt? 3. If you have not already achieved Rung #2, what do you need to do to achieve this goal within the next 90 days? 14 s).
Session Three SAVING 4. What items qualify as a financial emergency in your household? 5. What are your known, upcoming non-monthly expenses? • Discuss how saving for these expenses every paycheck can eliminate these items from becoming budget-busting expenses. 6. Have you written down your plans, hopes, and dreams? 7. Why is it important to have written plans, hopes, and dreams? 8. Why is it important to allow God-given dreams to drive your financial decisions? How can this approach better enable you to dream of “what could be?” 9. What is one of the biggest dreams you want to fund during your lifetime? Wrap-up • Encourage your group to complete the action items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapter 10 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. 15
Session Four DEBT AT A GLANCE: SESSION FOUR ADDRESSES THE PITFALLS OF DEBT AND HOW TO OVERCOME THEM. JOE TEACHES HOW TO SWIFTLY ELIMINATE AND PREVENT DEBT FROM BEING A HINDRANCE TO LIVING A FULLY FUNDED LIFE. RECAP: • IN SESSION THREE, WE LEARNED ABOUT THE IMPORTANCE OF SAVINGS. SHARE YOUR EXPERIENCE WITH CALCULATING THE SAVINGS NEEDED FOR YOUR KNOWN UPCOMING EXPENSES (KUES). WAS IT MORE OR LESS THAN YOU EXPECTED? • HOW DID IT FEEL TO ASSIGN A DOLLAR AMOUNT TO YOUR PLANS, HOPES, AND DREAMS? • DID JOE’S TEACHING LAST WEEK SHIFT HOW YOU APPROACH AND THINK ABOUT SAVINGS? IF SO, HOW? PRAY PLAY: SESSION FOUR Discuss 1. What are some benefits of living without debt? 2. Proverbs 22:7 says, “The rich rule over the poor, and the borrower is slave to the lender.” If you currently have debt or have had debt in the past, describe what it feels like to be a “servant to the lender.” 16
Session Four DEBT 3. If you have debt, which debt frustrates you the most and why? 4. Which of the “8 Ways to Eliminate Debt” could you employ to more swiftly achieve Rung #4 and Rung #7? 5. What’s the first thing you’ll do when you become debt free? 6. Describe how having an emergency fund (Rungs #2 & #5) helps prevent future debt. Wrap-up • Encourage your group to complete the action items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapter 11 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. 17
Session Five INVESTING AT A GLANCE: SESSION FIVE TEACHES HOW INVESTMENTS ALLOW A PERSON TO CARRY OUT THEIR PLANS, HOPES, AND DREAMS. PARTICIPANTS WILL LEARN ABOUT THE “OXEN” PRINCIPLE, THE POWER OF COMPOUND INTEREST, VARIOUS TYPES OF INVESTMENTS, AND THE ALL-IMPORTANT “WHY.” RECAP: • IN SESSION FOUR, WE TALKED ABOUT DEBT. DID YOU CALCULATE YOUR DEBT FREEDOM DATE THIS WEEK? IF YOU FEEL COMFORTABLE, SHARE YOUR DEBT FREEDOM DATE WITH THE GROUP (AND PLAN TO CELEBRATE TOGETHER!). • ON THE FULLY FUNDED LIFE LADDER, PAYING OFF DEBT COMES AFTER ESTABLISHING SAVINGS. IS THIS IN A DIFFERENT ORDER THAN YOU PREVIOUSLY THOUGHT? IF SO, HOW DO YOU FEEL ABOUT THIS CHANGE-UP? • HAS YOUR PERSPECTIVE ON DEBT CHANGED THIS WEEK? IF SO, HOW? PRAY PLAY: SESSION FIVE Discuss 1. $100 a month at 12% annual growth equals $1,176,477 in just 40 years. Discuss the power of compound interest. Why is it so important to start investing money as early as possible? 2. Proverbs 13:11 says: “Dishonest money dwindles away, but whoever gathers money little by little makes it grow.” Discuss the impact of investing money little by little – all the time. 18
Session Five INVESTING 3. Have you ever put off investing because you felt the amount you could invest was insignificant? 4. What steps can you take to invest money every single month? 5. In Session Three you learned about plans, hopes, and dreams [PHDs]. Share some of your PHDs and goals that require an investment to achieve. How does this encourage you in your investment journey? 6. What are some causes that you want to start or continue supporting? How will investing allow you to do so? 7. How can achieving Rung #4 [Paying off all non-house, non-business debt] and Rung #7 [Paying off all house and business debt] allow you to increase your investment contribution each month? 8. After debt is paid off, why is it important to reallocate that money towards investing versus enhancing your lifestyle? Wrap-up • Encourage your group to complete the action items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapter 12 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. 19
Session Six INSURANCE AT A GLANCE: SESSION SIX TEACHES ABOUT INSURANCE AS FINANCIAL PROTECTION AND A FOUNDATIONAL ELEMENT OF THE FULLY FUNDED LIFE LADDER, SAFEGUARDING FROM “FALLS.” PARTICIPANTS WILL LEARN ABOUT DIFFERENT TYPES OF INSURANCE AND HOW TO SAVE MONEY WHEN SHOPPING FOR POLICIES. RECAP: • IN SESSION FIVE, WE TALKED ABOUT INVESTING. WHAT WAS MOST IMPACTFUL FOR YOU THIS WEEK AS YOU WORKED THROUGH THE ACTION ITEMS AND SELFREFLECTION QUESTIONS? • DID YOU USE THE “RETIREMENT NEST-EGG REQUIRED CALCULATOR” TO CALCULATE THE AMOUNT YOU NEED FOR RETIREMENT? IF SO, HOW DID THAT NUMBER MAKE YOU FEEL? • HAVE YOU PRIORITIZED INVESTING IN THE PAST? IF NOT, HOW WILL YOUR APPROACH CHANGE, MOVING FORWARD? PRAY PLAY: SESSION SIX Discuss 1. How does your emergency fund [Rungs #2 & #5] function as a form of insurance? 2. Read Genesis 41:29-36. Egypt stored up grain during the seven years of abundance to prepare for the seven years of famine. How was this a form of insurance? 20
Session Six INSURANCE 3. What are some motivations for you to have insurance? 4. What are some obstacles – real or perceived – that can keep people from obtaining proper insurance coverage? 5. In your life, how have you benefited from having insurance? Wrap-up • Encourage your group to complete the action items from this week before the next session. • Remind participants of the preparation work to complete before next session. • Read chapter 13 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss. • If your group is NOT meeting for the Sustaining the Gains bonus session, encourage them to complete that session on their own. The bonus session video can be accessed from the participant portal. 21
Bonus Session SUSTAINING THE GAINS AT A GLANCE: THIS BONUS SESSION IS ALL ABOUT CONTINUING THE PROGRESS MADE DURING THE LAST SIX WEEKS. JOE SHARES PRACTICAL WAYS TO SUSTAIN THE GAINS AND GENERATE MOMENTUM FOR FUTURE GAINS! RECAP: • THROUGHOUT THIS STUDY, WE HAVE LEARNED ABOUT THE FULLY FUNDED LIFE LADDER, BUDGETING, SAVING, DEBT, INVESTING, AND INSURANCE. WHICH WEEK WAS THE MOST IMPACTFUL FOR YOU AND WHY? • HOW HAS THIS STUDY CHANGED YOUR CONVERSATIONS ABOUT MONEY? • IN WHAT WAYS DID THIS STUDY CHALLENGE YOUR THINKING ABOUT MONEY? PRAY PLAY: BONUS SESSION Discuss 1. Why is it so important to have a community of like-minded people with you on your climb up the Fully Funded Life Ladder? 2. Proverbs 4:7 says, “The beginning of wisdom is this: Get wisdom. Though it cost all you have, get understanding.” Do you feel that seeking wisdom is a worthwhile investment for your money journey? 22
Bonus Session SUSTAINING THE GAINS 3. God is our great provider. Share some stories of how you have seen Him provide for you in the past. 4. What is a personal finance goal you want to accomplish within the next year? Write it down. 5. How can this group support you in reaching your goals? 6. Which lesson in this study has had the most impact on your financial journey? 23 Wrap-up • Encourage your group to complete this week’s action items. • Remind participants to: • Read chapter 14 of I Was Broke. Now I’m Not. • Visit the I Was Broke Group Study Portal to access tools, bonus materials, and content. • Pray and dismiss.
ASSET: Any item that possesses financial value • For example, a house worth $275,000 with an existing mortgage of $150,000 has $125,000 of equity. BONDS: Debt certificates issued by organizations to finance operating activities, usually with specific repayment terms (interest, repayment period, early payment options) BUDGET: A process of detailed planning of projected income and expenses for a specific time period. This planning is completed prior to the specified time period which allows each dollar to be maximized. COMPOUND INTEREST: The interest on savings calculated on both the initial principal and the accumulated interest from previous periods. This is also known as the “interest on interest.” Compound Interest multiplies money at an accelerated rate. CREDIT SCORE: A measurement of a person’s ability to manage debt. Typical inputs used to calculate a credit score include debt type (installment vs. revolving), payment timeliness, available credit, credit consumed, credit utilization, duration of credit relationship, and outstanding judgments. DEBT: Money owed to another person or entity. A financial instrument whereby a lender provides money to a borrower with specific terms – interest rate, repayment terms, and minimum payments. EQUITY: The financial value of a particular asset if it were liquidated into cash and all liabilities owed against it were paid in full. 24 General Finance TERMS
• It is calculated as follows: Net Worth = Total Actual Value of All Assets Owned – Total Actual Value of All Liabilities Owed GROWTH RATE: The rate, usually measured as a percentage, at which a particular investment grows over a specific period of time (usually a year). • It is calculated as follows: Profit = Total Income – Total Outgo LIABILITY: Any financial obligation owed by an individual or entity MUTUAL FUNDS: A collection of investments funded by many people and invested by a fund manager or management team following a specific charter that dictates how the money can be utilized. NET WORTH: The sum total financial value of the assets and liabilities of an individual or entity. OXEN: Any financial instrument that enables people to accomplish far more than they could on their own. PROFIT: Money remaining after all expenses have been satisfied. • It is calculated as follows: Growth Rate = (Value, end of specified period – Value, beginning of specified period) / Value, beginning of specified period • It is calculated as follows: Return on Investment [ROI] = (Current Value – Purchase Price)/Purchase Price RETURN ON INVESTMENT: The gain or loss, usually measured as a percentage, on a particular investment. 25 General Finance TERMS
Money SCRIPTURES Proverbs 21:5 - “The plans of the diligent lead to profit as surely as haste leads to poverty.” Luke 14:28-30 - “Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it? For if he lays the foundation and is not able to finish it, everyone who sees it will ridicule him, saying, ‘This fellow began to build and was not able to finish.’” Proverbs 29:18a - “Where there is no vision, the people perish...” Money SCRIPTURES PLANNING Proverbs 15:22 - “Plans fail for lack of counsel, but with many advisers they succeed.” Proverbs 4:7 - “The beginning of wisdom is this: Get wisdom. Though it cost all you have, get understanding.” Ecclesiastes 7:12 - “Wisdom is a shelter as money is a shelter, but the advantage of knowledge is this: Wisdom preserves those who have it.” SEEKING WISDOM II Kings 4:1 - “The wife of a man from the company of the prophets cried out to Elisha, ‘Your servant my husband is dead, and you know that he revered the LORD. But now his creditor is coming to take my two boys as his slaves.’” Proverbs 22:7 - “The rich rule over the poor, and the borrower is servant to the lender.” Romans 13:8 - “Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.” DEBT Genesis 41:25-57 - (specifically v34 where they determined to save 20% of the harvest to prepare for the time of famine) “Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance.” Acts 4:36-37 - “Joseph, a Levite from Cyprus, whom the apostles called Barnabas (which means Son of Encouragement), sold a field he owned and brought the money and put it at the apostles’ feet.” Proverbs 21:20 - “The wise store up choice food and olive oil, but fools gulp theirs down.” SAVING & MARGIN Proverbs 22:6 - “Train a child in the way he should go, and when he is old he will not turn from it.” TEACHING CHILDREN Psalm 24:1 - “The earth is the LORD’s, and everything in it, the world, and all who live in it.” OWNERSHIP 26
Money SCRIPTURES Malachi 3:10-12 - “Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it. I will prevent pests from devouring your crops, and the vines in your fields will not cast their fruit,” says the LORD Almighty. “Then all the nations will call you blessed, for yours will be a delightful land,” says the LORD Almighty. I Timothy 6:17-19 - ”Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.” II Corinthians 9:7 - ”Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Acts 4:34-35 - “... that there were no needy persons among them. For from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need.” GIVING Proverbs 13:22 - “A good man leaves an inheritance for his children’s children . . .” INHERITANCE II Corinthians 9:6 - “Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously.” Proverbs 13:11 - “Dishonest money dwindles away, but whoever gathers money little by little makes it grow.” Proverbs 14:4 - ”Where there are no oxen, the manger is empty, but from the strength of an ox come abundant harvests.” Ecclesiastes 11:2 - “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” INVESTING Proverbs 10:4 - “Lazy hands make a man poor, but diligent hands bring wealth.” Proverbs 6:6-11 - “Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest. How long will you lie there, you sluggard? When will you get up from your sleep? A little sleep, a little slumber, a little folding of the hands to rest and poverty will come on you like a bandit and scarcity like an armed man.” Matthew 25:14-30 (Parable of Talents) DILIGENCE 27
Tell us about your experience leading this study and share success stories from your group. You can email us at [email protected] or scan the code below. Access the session videos, bonus content, tools, and exclusive leader resources in our Online Leader Portal. Let’s Celebrate! WE WANT TO CELEBRATE YOUR GROUP’S Success