When I was a kid, my papaw gave me one of his old western cowboy boots. Not a pair of boots\u2014just one. The catch was that the boot was full to the brim with spare change. It weighed an easy thirty pounds! To an eight-year-old that may as well have been a million bucks! I remember counting the total sum several times. I kept it in a safe place. I was so excited. I still have the boot\u2026 but I don\u2019t have the money.<\/p>\n\n\n\n
You see, after a few months with the coins vacation bible school came rolling around. That year we were doing a coin drive and it was boys versus girls. Whoever raised the most had bragging rights for an entire year. In a youth group of only eight kids, bragging rights were pretty valuable! After two nights of VBS, we were down however many pounds it was to the girls. So I said to my mom, \u201cI am going to give my boot tonight.\u201d To my surprise, she wasn\u2019t pleased. \u201cYour papaw gave that to you to save. Maybe just give some of the coins and save the rest?\u201d Was my mom telling me not to give to the church? Was it better that I keep it all for myself?<\/p>\n\n\n\n
These are kid versions of the kinds of questions we should all be asking as followers of Jesus. What does Jesus expect of us as his followers when it comes to using our money? More than that, how should Christians even think about money? The good news is that the Bible has a ton to say about our coins and our credit cards and all our money in between.<\/p>\n\n\n\n
The Bible has so much to say, in fact, that this guide is not long enough to capture every point and principle it has on offer. And yet, I want to begin this guide thinking about a few prominent principles concerning stewardship before getting into some of the nitty-gritty bits of how to save and spend wisely. Why? Because, in the end, it\u2019s not about your wealth nor is it about mine. It is about God\u2019s glory and our being faithful to him alone. If you lose sight of this, then your pursuit of wealth will almost certainly end in idolatry which is spiritually deadly. Rather than financial freedom, you\u2019ll be in spiritual prison. So, before we talk about your money . . . let\u2019s talk about guarding your heart.<\/p>\n\n\n\n
I\u2019ve selected twenty-five verses from Scripture and arranged them under seven points. As you consider these in your mentorship group, be sure to stop along the way and reflect on whether or not your life is characterized by God\u2019s instruction on money and stewardship.<\/p>\n\n\n\n
\u201cBehold, God is my salvation; I will trust and will not be afraid; for the Lord God is my strength and my sons, and he has become my salvation.\u201d \u2013 Isaiah 12:2<\/p>\n\n\n\n
\u201cGive us this day our daily bread.\u201d \u2013 Matthew 6:11<\/p>\n\n\n\n
\u201cWoe to those who go down to Egypt for help and rely on horses, who trust in chariots because they are many and in horsemen because they are strong, but do not look to the Holy One of Israel or consult the Lord!\u201d \u2013 Isaiah 31:1<\/p>\n\n\n\n
In these verses, we learn that from salvation all the way down to what we eat and how we protect ourselves is from the Lord. We must trust in him for all that we need. After all, he has promised that he is fully committed to using everything in our lives for our eternal good. Do you doubt that? Simply look to Jesus, God\u2019s own Son, who was offered up as a ransom for all who believe. If God did not spare his own Son, how can we doubt that he will make sure that everything else is taken care of?<\/p>\n\n\n\n
What does this mean for our money? It means that our money comes from God and we should always trust him to supply what we need. Sometimes this means wealth. In God\u2019s providence, it may also mean loss. In either case, we can trust the Lord to give us what we need. After all, he knows what we need better than we do.<\/p>\n\n\n\n
\u201cWhatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ. For the wrongdoer will be paid back for the wrong he has done, and there is no partiality.\u201d Colossians 3:23-25<\/p>\n\n\n\n
\u201cCommit your work to the Lord, and your plans will be established.\u201d \u2013 Proverbs 16:3<\/p>\n\n\n\n
\u201cI said in my heart, God will judge the righteous and the wicked, for there is a time for every matter and for every work.\u201d \u2013 Ecclesiastes 3:17<\/p>\n\n\n\n
Trusting the Lord to meet our needs doesn\u2019t mean we shouldn\u2019t work hard. In fact, God regularly called us to work in order that we may have our needs supplied. So, which is it? God supplies or we work? Well, it\u2019s both. God supplies through <\/em>our work. \u201cWait a minute,\u201d you may be thinking, \u201cif I work why does God get the credit?\u201d Well, I assume you realize that your entire life is a gift given you by God, right? You wouldn\u2019t have a hand to raise in work if you didn\u2019t have a Creator who gave it to you.<\/p>\n\n\n\n But there\u2019s another reason that God should be given credit for meeting our every need. As is clear in the verses above, God demands that we approach our work as unto him. This means that we work for him and in order to display him to the world. Our work is, therefore, a testimony to our gracious God who gives us all things. Next time you\u2019re tempted to slack off, stop and ask yourself, \u201cWould I be behaving this way if God were here?\u201d Friend, God has given you everything and sees everything. With what he has given you he expects you to work for his glory.<\/p>\n\n\n\n \u201cEach one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.\u201d 2 Corinthians 9:7<\/p>\n\n\n\n \u201cGive, 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.\u201d Luke 6:38<\/p>\n\n\n\n \u201cFor in a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity on their part.\u201d 2 Corinthians 8:2<\/p>\n\n\n\n \u201cBut Peter said, \u201cI have no silver and gold, but what I do have I give to you. In the name of Jesus Christ of Nazareth, rise up and walk!\u201d Acts 3:6<\/p>\n\n\n\n \u201cAs each has received a gift, use it to serve one another, as good stewards of God\u2019s varied grace.\u201d \u2013 1 Peter 4:10<\/p>\n\n\n\n God has given us so much. What I chiefly have in mind is Jesus. Jesus is more valuable than all the riches in this world and if you have him then I trust you know that. And yet, under Jesus God has also given us so much. He\u2019s given us life, our churches, our families, our friendships, opportunities to serve him, life\u2019s many joys, and much more. God is so good.<\/p>\n\n\n\n What does he require in return for all he has given? Well, for one, he requires our worship. That is, God expects that we swear loyalty to him alone. Part of showing loyalty to him means that we should give to God and others out of the abundance of what he has given us. This includes our money but is not limited to it. We should consider all that we have\u2014Jesus and everything else\u2014and seek to give it back to God and others. What do you have that you have not received? Nothing. What can you give as a testimony that you\u2019ve received everything you have from your loving heavenly Father? Give that.<\/p>\n\n\n\n \u201cHonor the Lord with your wealth and with the first fruits of all your produce.\u201d \u2013 Proverbs 3:9<\/p>\n\n\n\n \u201cIn 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, \u2018It is more blessed to give than to receive.\u201d \u2013 Acts 20:35<\/p>\n\n\n\n \u201cFor if the readiness is there, it is acceptable according to what a person has, not according to what he does not have.\u201d \u2013 2 Corinthians 8:12<\/p>\n\n\n\n \u201cBring 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.\u201d \u2013 Malachi 3:10<\/p>\n\n\n\n I wonder if you\u2019ve ever been standing at the cash register in your local supermarket and heard the cashier say, \u201cWould you like to round up eighty-seven cents (or whatever the amount) for the local children\u2019s hospital (or whatever the charity)?\u201d Maybe you even make a routine to answer their question with a hardy, \u201cyes!\u201d<\/p>\n\n\n\n The reality is that there are a ton of good deeds that we can do with our money, the local children\u2019s hospital being just one of those. And yet, I want to encourage you to always start your giving with your local church. The reasons for this are many more than I have space to mention but let me name a few. First, the most important thing you can do with the money you\u2019re giving away is help make disciples and that is the explicit responsibility of every gospel preaching church. Second, giving to God\u2019s people is a biblically established pattern in both the New and Old Testament. Third by giving to your local church, you\u2019re investing in your own spiritual growth because with that money your church will pay its pastor to preach excellent sermons. Fourth, giving to your church allows your money to join your fellow members\u2019 money in order to invest in bigger things for God\u2019s glory.<\/p>\n\n\n\n These are just a few reasons to let your giving start with your church.<\/p>\n\n\n\n \u201cThus, when you give to the needy, sound no trumpet before you, as the hypocrites do in the synagogues and in the streets, that they may be praised by others. Truly, I say to you, they have received their reward. But when you give to the needy, do not let your left hand know what your right hand is doing, so that your giving may be in secret. And your Father who sees in secret will reward you.\u201d Matthew 6:2-4<\/p>\n\n\n\n \u201cSell your possessions, and give to the needy. Provide yourselves with moneybags that do not grow old, with a treasure in the heavens that does not fail, where no thief approaches and no moth destroys. For where your treasure is, there will your heart be also.\u201d \u2013 Luke 12:33-34<\/p>\n\n\n\n \u201cAll day long [the sluggard] craves and craves, but the righteous gives and does not hold back.\u201d \u2013 Proverbs 21:26<\/p>\n\n\n\n \u201cWoe 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.\u201d \u2013 Matthew 23:23<\/p>\n\n\n\n Return to the cashier\u2019s request that you round up for a local charity. Should a Christian give in that scenario? Well, maybe! If the organization is good (1. They aren\u2019t propagating a false gospel. 2. They are honestly doing the work they set out to do on behalf of those in need), then a Christian should feel free, maybe even compelled, to give. When you give in faith, God receives much glory for your generosity. So feel free to give to others whether it be to a charitable organization or to someone in need.<\/p>\n\n\n\n \u201cNo 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.\u201d \u2013 Matthew 6:24<\/p>\n\n\n\n \u201cA good man leaves an inheritance to his children\u2019s children, but the sinner\u2019s wealth is laid up for the righteous.\u201d \u2013 Proverbs 13:22<\/p>\n\n\n\n \u201cThe rich rule over the poor, and the borrower is the slave of the lender.\u201d \u2013 Proverbs 22:7<\/p>\n\n\n\n \u201cBut if a widow has children or grandchildren, let them first learn to show godliness to their own household and to make some return to their parents, for this is pleasing in the sight of God.\u201d \u2013 1 Timothy 5:4<\/p>\n\n\n\n \u201cA good man leaves an inheritance to his children\u2019s children, but the sinner\u2019s wealth is laid up for the righteous.\u201d \u2013 Proverbs 13:22<\/p>\n\n\n\n This one may not get a lot of press among Christians today, but it is very true nonetheless. God commands that we seek to supply for our children. This, in part, means seeking to secure them financially. I am blessed to have a grandfather who regularly reminded us that he was working for our long term security. When I\u2019d see him leave the house at 6:00 AM to get on the plumbing truck, I knew that he was working for me.<\/p>\n\n\n\n Good authority blesses those underneath it. Isn\u2019t that the example which our heavenly Father has given us? He gave us the Lord Jesus and everything under him! So, parents, you should see to spend yourself for your children and this should look like, in part, leaving them an inheritance. Of course, a financial inheritance isn\u2019t the most important thing you do for them (that would be raising them in the fear and admonition of the Lord!), but it is important. So in work, work for them and tell them that\u2019s why you\u2019re working so hard. This will help them understand not only your love, but also God\u2019s love by your example.<\/p>\n\n\n\n The rest of this guide is going to be going through basics and principles to investing. I hope those principles will serve to help you grow your wealth. However, if along the way you lose sight of what<\/p>\n\n\n\n God\u2019s Word says about wealth, then you\u2019re most to be pitied. Whether you make $100,000,000 or $0, God\u2019s Word must lead out in your heart.<\/p>\n\n\n\n \u201cThe rich rules over the poor, and the borrower is the slave of the lender.\u201d \u2013 Proverbs 22:7.<\/p>\n\n\n\n \u201cOwe no one anything, except to love each other, for the one who loves another has fulfilled the law.\u201d \u2013 Romans 13:8<\/p>\n\n\n\n \u201cBe 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?\u201d \u2013 Proverbs 22:26-27<\/p>\n\n\n\n \u201cThe Lord will open the heavens, the storehouse of his bounty, to send rain on your land in season and to bless all the work of your hands. You will lend to many nations but will borrow from none.\u201d \u2013 Deuteronomy 28:12<\/p>\n\n\n\n \u201cAnd forgive us our debts, as we also have forgiven our debtors.\u201d \u2013 Matthew 6:12<\/p>\n\n\n\n \u201cThe wicked borrows but does not pay back, but the righteous is generous and gives.\u201d \u2013 Psalm 37:21<\/p>\n\n\n\n Countless stories can be told of the trouble that comes when you spend more than you make. I remember once being so far into credit card debt that I didn\u2019t know how I would get out. The debt created such anxiety that I struggled to sleep at night. And yet, as has been demonstrated in just these few verses, the Bible has a lot to say about debt. If I had heeded its instruction, I would have saved myself a lot of heartache.<\/p>\n\n\n\n If you\u2019re like me, you regularly experience the temptation to go into debt for all kinds of things. Be careful. Listen to God\u2019s Word. Walk in faith. I know it\u2019s not always intuitive to think of a swipe of the plastic as a matter of Christ\u2019s lordship over our live, but if you stop and think about it, I think you\u2019ll see that it just might be. How long will it to take you to pay off the credit card after you use it for that brand new TV or game system or shopping spree or fancy night out on the town? 25% credit card interest is a tough number to swallow. What could you have done with the money you will pay out in interest on the purchase alone? Lots.<\/p>\n\n\n\n I\u2019m not intending this to be a war on credit cards. I\u2019m definitely not telling you to never buy clothes or shoes or TV\u2019s or whatever else. I am telling you to bring those decisions under the Lordship of Jesus and seek to make decisions which bring him glory (which requires you heed the instruction of passages such as those listed above) and bring about financial freedom. With freedom, you can be generous.<\/p>\n\n\n\n Reflection questions:<\/strong><\/p>\n\n\n\n Do you remember Dobie from the old black and white television show called \u201cThe Many Loves of Dobie Gills\u201d? I\u2019ll never forget a character on the show named Maynard G. Krebs. Maynard would get sick to his stomach anytime someone mentioned the word \u201cwork.\u201d At even the mention of any sort of manual labor, Maynard would echo, \u201cW-w-w-w-w-ork . . .\u201d Truth be told, most people feel about discipline what Maynard felt about work. Discipline is hard. It\u2019s tedious. It\u2019s painful. And you know what else? Discipline normally means saying no to other options which, in the moment, just seem like more fun.<\/p>\n\n\n\n Does this mean we should avoid discipline? Not at all. Failing to discipline yourself leads to long term, continuous pain. In the end, you get what you discipline yourself for. If you merely live for your immediate desires, you\u2019ll become a servant to them\u2014chasing your tail believing that if you could just catch it then you\u2019d find happiness. This is how most people treat money. Money is a means to fulfilling an immediate desire. Got a little money? Spend it fast and be happy for\u2026 how long? Not long at all. If you\u2019re undisciplined with money, it is likely the case that you\u2019re dissatisfied with how fast it spends and how slow it is replenished. You go paycheck to paycheck wishing that paydays were everyday rather than every two weeks.<\/p>\n\n\n\n Few have the discipline it takes to save money in order that it may grow over time. Discipline in saving, after all, requires saying no to desires today in order to say yes to good things like generosity, retirement, and inheritance for your kids down the road. Saying no today is sometimes referred to as \u201cdelaying gratification.\u201d Notice that financial discipline doesn\u2019t mean no<\/em> gratification but delayed<\/em> gratification. To be sure, the gratifications are likely not the same for the one with no discipline compared to the one with discipline. For the one with no discipline, gratification means eating out, superfluous spending on unnecessary luxuries, wasting money on quick hitting happinesses. The one with discipline is likelier to save for better things\u2014things like a house, education for their kids, retirement, and living generously for the good of others.<\/p>\n\n\n\n Notice what all those things have in common? Impact. Delaying gratification in order to save for better things means being able to have a positive impact for others. Do you want financial peace now and the opportunity to impact others by being generous later on? I hope so and I hope this guide will help you do just that.<\/p>\n\n\n\n It\u2019s really not rocket science. There are some fundamentals to having financial peace. that I would like to share with you. Life is about making a few right choices and sticking with them. Principles are few and they never change; methods are many and continually change. Seek the principles.<\/p>\n\n\n\n The fact that you\u2019re willing to work through a life skill guide like this is a good sign and great start. Many have said, and I agree, leaders are readers. So let\u2019s learn somethings about money and financial peace.<\/p>\n\n\n\n Biblical Principle: \u201cThe wise store up choice food and olive oil, but fools gulp theirs down.\u201d (Proverbs 21:20, NIV)<\/p>\n\n\n\n Spending less than you earn is the cornerstone of financial stability. When you live within your means, you avoid the bondage of debt and create a margin for generosity and future needs. Be it you earn a little, a medium or a lot of money, spend less than what you make, and you will have peace and confidence and continue to become wealthier over time. This is a simple and solid life skill.<\/p>\n\n\n\n A side note: just because your income increases over time doesn\u2019t mean your spending needs to follow. You should regularly ask yourself \u201cDo I need this, or just want it?\u201d It is easy for us to assume that because we have more we should spend more. But this isn\u2019t always the case. Our desire to always be spending more is often rooted in our lack of contentment. But what did Paul tell Timothy? \u201cContentment with godliness is great gain.\u201d With whatever you have today, pray that the Lord would make you content. After all, if you\u2019re content spending less and living within your means will be much easier.<\/p>\n\n\n\n Biblical Warning: \u201cThe rich rule over the poor, and the borrower is slave of the lender.\u201d (Proverbs 22:7, NIV)<\/p>\n\n\n\n Debt enslaves, limiting your ability to serve God and others freely. The Bible encourages us to owe to others nothing but love. (Romans 13:8)<\/p>\n\n\n\n Taking on debt means you are consuming today and promising to pay back with tomorrows labor. You are buying for today and promising to pay back another day in the future. Carrying debt drains peace and confidence because you will always owe tomorrows wages for today\u2019s enjoyment. This is a unsustainable lifestyle that cannot be overcome without developing self-control.<\/p>\n\n\n\n Credit cards are some of the worst kinds of debt you can have. The reason for this is because most cards charge more than 25% interest. This is an incredibly high rate. So many can testify to getting over their heads with credit card debt with the result being frustration and fear. If you\u2019re free of credit card debt today, then stay that way!<\/p>\n\n\n\n Summary to memorize and keep in your mind forever:<\/p>\n\n\n\n Biblical Wisdom: \u201cA man without self-control is like a city broken into and left without walls.\u201d (Proverbs 25:28, ESV)<\/p>\n\n\n\n If you don\u2019t develop self-control, then you\u2019ll waste whatever money you have. The result will be bondage, not peace. If you\u2019re self-controlled in your finances, however, you will be able to save, invest, and live generously. Think also about these additional benefits:<\/p>\n\n\n\n Biblical Principal: \u201cI 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.\u201d (John 15:5 ESV)<\/p>\n\n\n\n You were given everything you have. Are you thankful for your parents? Thankful for your body? Thankful for your intelligence? Thankful that you have eyes and hands and ears? Everything you have comes from God and God tells you to continually acknowledge and thank him, and to model your life to serve others as God has served you in Jesus.<\/p>\n\n\n\n Bible Principal: Jesus\u2019 life reveals that greatness comes through servanthood. <\/strong>Does that sound strange to you? It definitely sounds strange to the world. The world is all about self-advancement and promotion. But Jesus came to serve rather than be served. Your life\u2014including your finances\u2014should also be about service. Among other things, this means putting others\u2019 needs above your own (Philippians 2:5\u20137).<\/p>\n\n\n\n At the beginning of my Christian Walk, it seemed impossible to understand that I could have more peace and joy and confidence by serving others. At 80 years old now, I have had 40 years of enjoyment, excitement and challenge serving others; and the Lord has provided for my every need along the way.<\/p>\n\n\n\n Reflection questions: <\/strong><\/p>\n\n\n\n I became a Christian in my late thirties. Before I was converted, my life was a mess and the main reason was because of my sin. I lost my marriage, hurt my kids, and drove myself into debt. By God\u2019s grace, however, I came to understand the gospel and repented of my sin and trusted in Jesus. Shortly thereafter (I was 38), I met and married my second wife, Carol. Carol taught me a lot about a lot, not least of which was about money.<\/p>\n\n\n\n Early in our marriage, we moved to Tennessee and bought a home there. Little did we know, however, that the IRS would soon come knocking on our door to inform me that I owed $150,000 (in 1983) for investment tax credit recapture. They put a lien on our new home. Worse yet, I was regularly driving us into further debt by impromptu spending. I once bought a jacuzzi on credit! When the tub arrived at our front door, Carol sent it back. She let me know that day that I had to get my spending under control. She said, \u201cIf you can\u2019t pay cash, you\u2019re not buying it!\u201d My approach to money changed that day. I knew I needed to start implementing some of the advice I shared in part two of this life skill guide.<\/p>\n\n\n\n With Carol\u2019s help, I developed a debt payment plan and in 2-3 years, we were debt free. At that point, Carol asked how much we would have to save in order to prepare for retirement. In two years, we saved that amount and after many good investments, that money grew to be more than enough to live on.<\/p>\n\n\n\n After approximately five years of being married, Carol requested that we donate all cash accumulation yearly to Christian ministries. She wanted to give all cash away every year, so we didn\u2019t accumulate what we didn\u2019t need. Carol was generous with others and I learned generosity from her example.<\/p>\n\n\n\n For the following 40 years at least 50% of our annual income has been donated to Christian ministries and we have lived well and been hospitable to many during that time. God has been gracious. Sadly, Carol went home to be with the Lord when she was 63. I praise the Lord for her life and all that she taught me about how to live mine.<\/p>\n\n\n\n I recognize that not everyone can give 50% of their income away. That\u2019s why I regularly recommend the 80-10-10 rule. For the record, these figures are starting recommendations. Based on your situation, you may need to adjust these to best account for what the Lord has given you and what responsibilities you have.<\/p>\n\n\n\n It is not an understatement to say that the 80-10-10 rule changed my finances. Here\u2019s how it breaks down.<\/p>\n\n\n\n This is just one option for budgeting. You may need to adjust these numbers or go with a different strategy. I strongly recommend that these three primary buckets, however, be a part of whatever budget you choose. You need to give, save, and spend wisely.<\/p>\n\n\n\n This life skill guide is about financial freedom, not investing. Nonetheless, investing often plays a role in achieving financial freedom. Therefore, here are some brief tips for how you might wisely invest what God has given you in order to see it grow.<\/p>\n\n\n\n Remember that wealth means responsibility. Our hearts are easily tempted into turning wealth into an idol. Nothing I say about growing wealth is safe or worth pursuing if you do not hear and heed the Bible\u2019s warnings on idolatry and command to live generously.<\/p>\n\n\n\n Reflection questions:<\/strong><\/p>\n\n\n\nThird, Christians give out of their abundance.<\/em><\/h2>\n\n\n\n
Fourth, Christians give to support the ministry of their local church. <\/em><\/h2>\n\n\n\n
Fifth, Christians are expected to give to the needs of others as they are able.<\/em><\/h2>\n\n\n\n
Sixth, Christians plan to be a blessing to their children and their children\u2019s children. <\/em><\/h2>\n\n\n\n
Seventh, Christians should heed the Bible\u2019s warnings concerning debt. <\/em><\/h2>\n\n\n\n
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Part Two: The Foundations<\/h1>\n\n\n\n
1. Spend less than you earn. <\/em><\/h2>\n\n\n\n
2. Be careful with debt. <\/em><\/h2>\n\n\n\n
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3. Self-control is a primary lesson to learn in life. <\/em><\/h2>\n\n\n\n
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4. Like in all of life, financial peace begins with acknowledging God as creator and Lord. <\/em><\/h2>\n\n\n\n
5. We should serve like Jesus. <\/em><\/h2>\n\n\n\n
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Part Three: Managing Money<\/h1>\n\n\n\n
The 80-10-10 Rule. <\/em><\/h2>\n\n\n\n
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Tips for smart investing. <\/em><\/h2>\n\n\n\n
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Part Four: Resources on Finances<\/h1>\n\n\n\n
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