This is a longer weekly Financial Grace update, so bear with me, I’m about to share a lot of what’s on my heart as well as how I believe the Lord is speaking to me about helping to shift mindsets within the context of our current financial system for those with ears to hear and eyes to see.
Information for Monday prayer is below, and the Financial Grace Ministry focus this week is beginning to accept participants into the pilot Prosperity Project. If you’ve followed the Financial Grace journey, you’ll know this is a huge step! Details are included in this message. If you don’t read this entire message, make sure you at least skim through the headlines so you know what this unique program is all about and how you, or someone you know, can benefit!
Where to start? My own journey, I suppose will give some backdrop for the lessons I pray will provide treasures for those who wonder how to apply God’s promises and principles in the world of money we live in. We don’t depend on money for our provision and protection, but we do have to be wise to make decisions on how to use the tool that impacts every area of our life.
I entered the financial industry in part because in my 20’s I knew I wanted to pursue a life of financial abundance and had figured out how to earn a good income, but seemed to run into financial questions at every turn I took. If you have read author, Robert Kiyosaki’s book ‘Rich Dad, Poor Dad’ you’ll understand why I struggled: I was getting financial input from the conventional mindset of go to school, get a good job, save a lot for retirement so you can eventually live on your savings and pensions and live happily ever after, but I couldn’t seem to find a career that would facilitate the dreams and goals I thought I wanted.
Working in finance provided me the opportunity to be close to the pulse of the financial world. For a time I earned a good 1/4 million dollar income, lived in a nice home in a great neighborhood in a beautiful city. But, my short-lived attempt to convince myself that I was fortunate to be able to afford a nanny for our daughter and to have enough money that my very talented husband could renovate our home and garden, didn’t work that well.
I realized that working long hours to pay for that lifestyle had consequences I didn’t want to pay. I was offered a buyout and began my teaching and writing career. That took a quick nose-dive as we got wrapped up in a painful tax reassessment and eventually found ourselves railroaded into bankruptcy. Not a good place to be when you’re teaching leaders of financial institutions about how to integrate success principles with financial planning.
‘God has a sense of humor’, is what I said at the time, but when the bankruptcy was followed by a sudden death of my mother at age 59, a divorce of another family member, cancer of my father-in-law, and a lot of other lesser, but equally as stressful losses, you reach a point where surrender is really the only option. What’s funny about this time in my / our life is that it all began within a few months of accepting the Lord Jesus as our savior! Funny, how the enemy will ramp up his efforts to attack your testimony when you now have the Word of God as your artillery (Mark 4:17), but sad because as a ‘baby Christian’ many people haven’t come into the awareness of the power and authority we have in Christ.
We all have our stories and God knows every one of them and promises to bring good from them all as we ‘triumph by the Blood of the Lamb and the word of our testimony’ (Revelation 12:11).
After a year or so of flapping about like a fish out of water from all the loss and stress, God hit me over the head with a 2×4 and said, ‘you want a house, go get one’. Six months later Joe and I and our daughter had moved into the house lived for 11 years. The revelation in all this is that money was a tool we use to conduct our life on earth, but relationships have more value than what money can buy, even though the tool of money is a key component of relationship.
God wants us to use the tools He gives us to bless us so we can in turn bless others. It’s not about our relationship with money. Life is about our relationship with Him and through that relationship, we experience and share Him with others. Money is a tool to help facilitate relationships – so that through the financial resources He gives to us, we honour Him with the harvest and share the blessings with others so they too can experience relationship with Him and with others, and so on and so forth…!
Joe and I had a new bankruptcy on our record, meaning we had bad credit, no money down, and new self-employed income and were looking for a house in a very ‘hot’ real estate market in an expensive part of the country.
How did we buy that house everyone wanted to know? I have told this story many times and have written about it in detail in several of my books, but essentially:
- We knew God had a plan for our life.
- We knew God’s plan was good.
- We knew His plan was to prosper and to not cause harm.
- We knew He promised peaceful homes for His people.
- We knew He gave us the desires of our heart – in this case to own a particular type of home in a particular neighborhood and that He would provide it for us for His purposes.
- We wrote the vision down like we read in Habakkuk 2:2 and
- We walked through the steps of looking at houses and talking to people who could help us purchase the home we knew God had lined up for us, and
- We didn’t listen to the naysayers who had a belief that things had to happen a certain way or they were too risky if they didn’t fully understand them.
There are many ways God will fulfil a desire for His glory. The key is to be open to different perspectives and strategies as long as they line up with the Word of God. Obviously, a strategy to set up separate bank accounts and spend a lot of money using credit for holidays and other consumable pleasures before divorcing your spouse wouldn’t line up with the Word of God. But, nor does saving and consuming to look after yourself line up with the Word of God.
This is key!
Saving for retirement and working hard to avoid using credit is counter-productive to the Word AND the world we live in.
Many people we talked to in our house search suggested we should move away and save money for 5 years then come back, or that we should go back and get a job, then buy the house. It was not an easy task and one I especially found difficult because it forced me to admit to others that our financial situation wasn’t as glitzy and solid as it had been in the past. I had to face my pride and admit we had been bankrupt.
Pride stops too many people from asking financial questions!
Personal beliefs about how something ‘should’ be done also stops people from experiencing the abundant life God has planned for them and for His people.
Specifically, how do you buy a house with no money down, bad credit and unpredictable income?
For that house, we walked the steps and God lead us there through a friend who saw a teeny ad in the newspaper. It was a house that came in under the appraised value. It was a private sale so there were no other bidders, and we used a variety of different lending vehicles and our calculated income to pay for it. This house became the head office for my business and the home our daughter grew up in. The neighbors became our family when life fell apart in an even bigger way a number of years later. God had plans for us to be in that location at that time for His purposes because a lot of life happened while we were there and when it was time to leave, He miraculously sold the house and got us moved, despite what our minds were telling us about what we ‘should’ or ‘could’ do differently. Our minds told us we should have sold the house earlier but despite all our efforts to ‘do the right thing’ we hadn’t been able to bring a sale to completion. Everyone will have a different story and different set of circumstances – and that’s why knowledge and community are critical to not just your financial success, but to the world around us.
What about Financial Grace Today?
I realize I have been able to apply the promises and principles from the Word of God for finances in our life on many occasions because my mindset is different. Why? Partly because I have a lot of financial knowledge about our current financial systems and products and mostly because I have Holy Spirit inspired revelation on how to apply the Word to the world of money we live in today and have experienced it, either myself, or through people I have worked with over the years!
This is not the way most people think.
Let me give you some examples and maybe this will tweek your interest to want to learn more…maybe you’ll even want to walk through some of this with me, because maybe, just maybe, there are options for you to step into a life of bigger and better things for the Glory of God.
Every situation is different of course, and that’s why the process of learning and applying Financial Grace doesn’t happen in a single sitting. There will be ideas you’ll glean from each lesson, but sometimes you also have to wait for the right set of circumstances to line up for you to put the ideas into practice. Other times, you have to search for the right people to help implement the strategies. At all times, however, you depend on Holy Spirit to guide you so His purposes for everyone involved will glorify Him. Over time, you begin to see opportunities for increase all around you – and that’s my dream for the Body of Christ today!
We were not meant to live in financial bondage, lack, sacrifice and denial.
God’s financial strategies are modeled through agriculture and commerce (entrepreneurial thinking). A very small seed will produce a plant with something edible for the grower to consumer themselves and to share with others as well as to exponentially provide more seeds to replant, grow more, eat more, share more, etc.
If your paycheque is your seed, where is the multiplication and scalability? Pay cheques are great. They provide opportunity, but it’s the business owner who pays you who determines how much income you receive, when you work, and the other tasks they want you to do to cultivate their field which provides them with the potential for exponential growth beyond the hours they can work in a day like the farmer who plants a seed and tends to it so it will continue to grow and produce a harvest.
Pay cheques are NOT bad – absolutely not! The mindset of planning so you can live within the restrictions of a fixed income based on a pay cheque is the paradigm that blocks not only the opportunities, but the flow of knowledge that will facilitate exponential growth within that fixed income environment. The agricultural model and entrepreneurial mindset is the key to navigating today’s financial world from a perspective of increase and overflow. This may or may not involve a business for yourself, but it will definitely help you to be more effective within the business and financial world we live in today.
Conventional Thinking Example:
- Accumulate Savings
$100/month x 5% average return x 12 months = $1228
NOTE: If your first thought was about the 5% assumption, then right there is the confirmation your mind is focused on a certain way of thinking. This is a low average for diversified stock and bond investments. For many people, this number is too low for them to consider placing money there. For others, they will look at the figure skeptically and determine it’s an unrealistic expectation. Rate of return is important but it’s influence on your financial decisions doesn’t factor in the equation until #9 of 10 decision-making criteria have been met first.
- Use Savings
$10,000 x 5% = $500 earned per year divided by 12 months = $42 / month
Some Things to Think About with this Approach:
- Consumer Spending is a key economic indicator of our society’s well-being
- Availability of cash for spending is therefore important for our overall economic well-being
- When money is taken out of immediate circulation and placed on deposit at a financial institution, that is not money currently fueling economic output
- Credit is issued by financial institutions to continually fuel spending and immediate economic output
- Financial institutions issue credit by leveraging assets such as deposits
Typically, the approach is to accumulate savings then consume savings for larger expenses or to support lifestyle expenses as in retirement. The other core belief among Christians especially, is toavoid debt. Agreed. So, let’s define debt and differentiate debt from credit.
Debt is anything that requires you to pay someone else for the privilege of using something they have. It’s not a purchase which is consumed, but something you use or borrow and must pay for for over time, or pay back to the person or organization you got the thing or service from. This includes the monthly services we use such as utilities, rent, insurance or anything or money you borrow.
Debt causes you to be enslaved to the thing or service you’re using. This means that debt is not just credit cards, lines or credit, mortgages etc . Many years ago, I learned the concept of owning your lifestyle from an author named Jerry Gilles, who wrote a book called ‘Money Love’. It was a little book written in the 1970’s that I found on the bottom shelf of a second-hand book store; a treasure that has helped refine my thinking about leveraging all kinds of seemingly insignificant assets according to the agricultural model we have in the bible, and specifically the parables of the talents in Luke 19:12-28 and Matthew 25:14-30). This means that if your lifestyle expenses are dependent on you working to pay your bills, you are in debt to your lifestyle.
Credit is something you have or something someone gives you that enables you to access something you didn’t previously have available to you. Credit enables you to leverage something of value in order to acquire or provide something of value. Credit is taking something you have and using it to gain something else while still keeping the first thing.
Debt vs Credit:
If you have to go to work to pay for something you are in bondage to that something. If you borrow something to pay for something that pays for itself, you are not in debt, you are using the original something to gain something else, thereby multiplying the value of the original thing.
NOTE: As I explain these concepts PLEASE DON’T think I’m making a recommendation or advising on a particular strategy! Or, PLEASE DON’T assume I’m advocating leverage and credit use. There is a time and a place for everything. These are illustrations intended to present a concept that requires knowledge and professional input in order to implement effectively. As a society, the conventional wisdom is poverty thinking around credit use. The generally accepted belief is that ‘debt’ is to be avoided at all costs, without a corresponding focus on income producing assets to support all manner of life! The goal isn’t to ‘get out of debt’ – but the goal is to live debt free! The goal is to use all the tools God has provided you to remain free from financial slavery and be able to ‘owe no one anything, but lend to many nations’ (Deuteronomy 15:6).
- $100 / month x 12 months = $1200 used. Divided by 3.25% interest for a line of credit (use whatever rate you want, this is just an illustration) = $36,923 that could be borrowed at 3.25% with a monthly interest charge of $100. $36,923 x 5% divided by 12 months = $153 per month of investment income. In Canada interest charged for income investments is tax deductible, therefore: $153 earned – $100 charged = $53 earned per month. Now that same $100 will produce a passive, ongoing monthly income of $53 which could be used to reduce the loan on the borrowed money, or to pay for a lifestyle expense, or given to support a charitable purpose. Is this debt? The loan is offset by an investment that is a) producing immediate income and b) has the potential to grow in value! There are caveats and strategies to protect against greed and loss, and these are where knowledge and like-minded professional advice is critical. Remember this is a practical concept that applies to finances as well as other areas of life. It starts with mindset!
- $10,000 saved x 90% used to secure a credit line = $10,000 x 5% = $42 / month Minus 3.25% interest on $9,000 = $24 charged = $18 earned. This is a great example of ‘keep your money and spend it too’. What do you have, that you can ‘lend’ so you can keep the asset as well as acquiring something else? How can you do that? Imagine for example, saving for a car: rather than depleting your savings to purchase the vehicle that will cost you money to maintain and will decrease in value, if instead you leveraged your savings to buy the car using access to credit. You would have an asset that earns income and has the potential to grow and you would also have a bit extra to either reduce the loan or contribute to the maintenance of the car. This concept works very well when you apply it to real estate. It’s not difficult to see how owning multiple properties or diversifying an investment portfolio to produce income can keep you out of mortgage bondage. If your mindset is that your home is asset, but you have to go to work to pay for the mortgage or taxes or other expenses to maintain it, you’re only seeing ½ the picture. There is great value in a home, but not if the only way you can access the value it is to sell it and downsize! You would be ‘consuming’ or decreasing your asset – not increasing your value. When you have access to the equity in your home, or your savings or other assets then you have the potential to increase your net worth and have that wealth pay for your lifestyle so you’re not in debt. But, you need the corresponding mindset and cash flow focus to see the opportunities and to put the products and services and team in place to realize the full potential. Without the proper foundation and approach, it can also become a recipe for stress and loss.
- If you have an asset, whether it’s cash based or land based, the concept of leveraging using credit (not debt) looks something like this:
- $100,000 asset x 30% loan = $30,000 available cash x 3.25% = $82 / month interest
- $30,000 as investment towards a down payment on another $100,000 property with a $70,000 mortgage at 4% for 25 years = $370 per month.
- The total cost would be $452 per month.
- If you rented the second property for $600 per month the $148 additional income will support interest on another loan of $54,646 which can be used or partially used towards another investment and so on and so forth.
These are concepts, not recommendations. There are many factors to consider in how and when you put them together! The point is, how we think will determine what strategies you’ll even consider! This is not highly complicated or risky business, unless you’re trying to do it with a world view of accumulation.
You can apply this thinking to life insurance, credit cards, and physical things you already own. By this I mean if you have cars, furniture, home décor, tools, equipment, and even pets, and plants these are all things of value that can potentially be leveraged to facilitate the development or acquisition of additional assets that produce ongoing income. Expertise, experience, and skills are also assets you can leverage – not just to sell one time, or to trade time for money, but to invest to create immediate income that enables you to build or acquire assets that produce additional income then enables you to build or acquire even more assets that produce even more income and on and on it goes!
Is it riskier to have a house fully paid for and a retirement savings account that is fully taxable and decreases in value as you consume the asset to support your lifestyle expenses after you stop working?
Is riskier to use some of your retirement savings income to pay for interest on a line of credit secured against some of the equity in your house that is invested in another investment that is earning income to support the use of the credit and has the potential to grow? NOT an investment that is expected to grow over time, one that is invested to produce ongoing and immediate income and has some corresponding asset attached to it!!
In a leveraged example , someone might have retirement savings, their home and another income producing investment that paid for the expenses and provided a third asset to possibly grow. In the conventional strategy, someone would have their retirement savings that is being consumed and used to pay for the home – one asset would be decreasing to pay for the ongoing maintenance of the roof over their head.
The financial industry wants us to believe it’s ok to slowly ‘eat’ that asset with using something like a reverse mortgage as a good money management tool? That’s not to say reverse mortgages are bad – it’s to say, everything has a place and it all needs to be brought to the Lord first because God is not about decrease!
Back to the Story and Prosperity Today:
Over the years I have gleaned a lot of professional knowledge. I have also learned a lot of what I call ‘street-smart’ strategies and concepts for navigating the day-to-day reality of life. I have not always known the concepts or been able to apply them in my own life however, and have experienced the pain of financial decrease.
God’s line of thinking applied through the painful losses have continued to ignite hope and vision, though. In fact, it is God’s promises that fuel the hope – the ‘substance of things hoped for, yet not yet seen’ (Hebrews 11:1). This is the creative thinking from the Holy Spirit that has helped me/us to find the solutions God provides – and the one’s I know He has in store for every one of His people. He says, ‘He is able to make all grace abound toward you, that you, always having all sufficiency in all things, may have an abundance for every good work’ (2 Corinthians 9:8).
What I know for sure is that as soon as you focus on money as a fixed, scarce resource you direct your focus into how to manage something God has given you the power to create (Deuteronomy 8:18). The focus turns to the ‘created thing, not the creator. This will do as Jesus said not to do, ‘serve mammon’.
We cannot allow the enemy to let us believe we have no options.
God is not limited by our own limited thinking. His desire is that we prosper and be in good health, even as our soul (our mind, will and emotions) prospers (3 John 2).
Today, after God supernaturally sold our home in Victoria, BC and transported us across the water to the mainland (that’s a terrific story for another time), Joe and I have invested 2 years in the Word and in prayer and have committed many hours to discerning His voice about where and what He has for us now, given the losses of the past. One of the seeds He has given us began as a vision that has been strengthened through this time of transition.
The shared vision and passion we have as a couple is for a home, business and ministry functioning on one property. He expects us to cultivate this seed and plant it with the seeds of knowledge and passion for teaching and ministry He’s given me, and Joe’s skills in landscaping, renovations and cooking.
God has not given us peace in what might make sense logically for our next move. Instead, He has directed us to a property with agricultural, commercial and community ventures operating from a Kingdom perspective on it. To the conventional mindset it won’t seem practical, but when you connect the Word with the vision and apply some world systems to the situation, we know He has given us the strategy to bring the vision to reality.
We also know part of this process is to plant and cultivate for His harvest, the Financial Grace Prosperity Project. All of this is coming together with a property in the city of my family roots. He’s even given us the name for the land, ‘Grace Gardens Farm’.
What we don’t have: Buying a farm isn’t like buying a house in the city. We don’t have cash reserves or a huge credit line to buy a farm or invest in hiring staff to build and manage an online platform to share the Financial Grace message and Prosperity Project with the world. I also don’t have a big home or access to a facility to bring people in to teach them in my living room in our current transitional home.
What we do have: Joe and I have a strong relationship with the Holy Spirit and in our marriage because we have invested in developing those relationships. We have been blessed with some amazing people to come alongside us to guide, mentor, and pray with us. We also have the promises in the Word, passion, knowledge, expertise, and experience. We have invested 2 years of driving and looking and researching and praying for our next home so we believe God has lead us to the place He has prepared for us to live, work, and showcase Him through Financial Grace and the other commercial and agricultural activities He’s placed within our hearts for the land.
Experiences and knowledge shape us, but they don’t define us. We can easily focus on what we have lost, or what we don’t have – and admittedly many times this line of thinking has put me into a ‘pit of despair’. Ultimately, it’s the Word of God we stand on, and His promises are always for good for His purposes to share the Love of Christ to all mankind for relationship with Him as He intended at the beginning of time.
I have enough experience now with the ‘Word of God being alive and sharper than any 2 edged sword’ (Hebrews 4:12) to know that when the enemy tries to get me to focus on my ‘lack’ that the Word, and the people God has brought into my life to speak the Word over and into my / our life are the keys to helping me / us take a authority and stand against the enemy onslaught. Satan will do anything he can to try to get God’s people to look at what they don’t have and to justify their position based on what he has made them to believe are ‘facts’.
Facts aren’t truth. They can be twisted and turned to suit whatever situation you focus on. If satan has you focus on lack, or on anything you can see, your decisions and actions will be based on the created, not the truth and abundance and promises of the creator!
For Joe and I, we don’t know yet how God will provide the property to us. We’re currently exploring a rent-to-own partnership concept with someone who has access to finances to partner with us in this Kingdom project. This is one strategy that has come forward as a possibility through applying the concepts taught in the Prosperity Project. There are likely others and our job in the process is to pursue the options and not pre-judge how, who, when, what, etc. but to do the work we can do, and to step back and let Him do what only He can do.
We don’t have to always see ‘how’ we can do something on our own; we can look at who else will benefit, what are the potential rewards, what are the potential risks, who do we know who might benefit, who do we know who might know someone who might benefit, and what do we need to know and have in place to step into the vision we believe God is calling us to at this time, for His purposes and for His glory?
As soon as you say, ‘I can’t afford it’, you will never find out what it would take to afford something, or how you might afford it. I am currently living in Vancouver, BC where homes are around $1m. Far too many people immediately say they’ll never be able to afford to own a home here. How sad, they don’t even open to the possibility of knowing what it would take to own a $1m home. A mortgage payment for $1m is approximately $6500 per month. Divided by 30 days = approximately $200 per day. And divided by 10 hours per day = $20 per hour. What can you sell to earn $20? Who do you know who could help you make and sell something to earn $20?
There is a process of identifying opportunities and assessing which ones are applicable for you, given your personal goals, skills, current life circumstances, interests, purposes, knowledge, etc. It begins with a first step of realizing that maybe, just maybe, God really can do immeasurably more than we can ask or think according to His power and His riches and His might at work within us through Christ Jesus our Lord (Ephesians 3:20).
We have to be willing to open the door in our mind and let Him challenge our current mindsets, beliefs, fears, and dreams. This is risky because along the way you will face discouragement, obstacles, intimidation, and have to walk through some unknown territory…
Here are Some Choices for you to Consider Today
Participate in the Prosperity Project:
- a) by yourself or with your own group (the online Prosperity Project), or
- b) with me and others helping you with personal training, coaching and mentoring (the Personal Prosperity Project)
Here’s what you get if you chose to participate in this real-life project to create purpose-driven financial increase in your life:
- Course content delivered over a year so you have time to learn and apply the concepts
- Stop anytime
- The course includes financial literacy training we all ‘should have got, but didn’t’.
- Terminology so you’re able to communicate effectively with financial professionals and others giving advice of a financial nature, or in conversations with employers, contractors, business owners, real estate professionals, lawyers, accountants, bankers, or friends and family
- Financial math to be able to calculate quickly determine payments, return on investment, after-tax return, future value and present value, cash value, capitalization rates, and more
- Personal financial statements for tracking, monitoring, controlling your cash flow, expenses, net worth. You’ll also learn to create cash flow models to help plan for anything from a home renovation to a complete business or investment strategy
- Banking and cash management strategies so you will be able to maximize and streamline the flow of money in and out of your life on a day-to-day basis. Learn the most effective way to deposit money, spend, save and give so it’s personal to your lifestyle and personal circumstances. This isn’t taught in financial planning for advisors yet is where we interact with money on a daily basis and is therefore the most critical area of overall financial success, failure or mediocrity.
- Practical and strategic credit use to effectively manage non-productive debt and to maximize this powerful tool. This content is what you need to know to also be able to take on the ‘lend to many nations role’ God expects His people to finance.
- How to navigate insurance for profit and wealth creation, not simply as a necessary expense.
- Real Estate buying, investing and renting strategies including how to buy your own home, no money down concepts, and other profit centres of real estate.
- Investment Basics and Advanced wealth management and creation. We’ll cover the basics plus loss protection strategies, investment selection and management as well as how to find and work with investment advisors.
- Business, partnerships and entrepreneurial topics such as business planning, accessing funding, networking, marketing, incorporation and tax issues.
- Other creative wealth creation strategies that include online marketing, network marketing, private investing, private finance, digital currency, options, futures, leases, and even some off-shore issues.
- How to determine, analyze and price life goals and most importantly, how to develop a financial plan to realize those goals!
- Identifying ‘seeds’ that are uniquely yours that have the potential to be planted, cultivated and harvested for blessing you and others. If you don’t have a vehicle to create income that is scalable and sustainable, you will always be operating with a limited, scarce resource that is determined by how much time you can work or what someone will pay you for your time.
- Analyzing and Assess the ‘seeds’ to determine which are the best for you to be planted in order to reach your personal goals and fulfill God’s purpose for your life.
- Developing and implement income generating plans that are uniquely suited to your life. This will allow you get input and to test your ideas. You will also identify potential obstacles, fears and limiting beliefs AND develop plans and work with others Participating in the Project to overcome those obstacles through the Power of the Holy Spirit at work within you and within your support group.
- The Prosperity Project is about learning and doing and earning real money for yourself. You are in control of what and how you earn the money and what you do with it. The income blueprint targets income beginning at $10 and increasing throughout the year to $1000 per month (more or less). Not every income project will follow the blueprint exactly, but following the blueprint which was inspired by the parable of the talents will facilitate the learning, applying, developing and overcoming process that is completely unique to this comprehensive program.
- What does the Word of God say about each of these areas? And how to determine if, and when, and how God would have you deal with each of these areas in your life (or not).
- You also have an opportunity to earn Prosperity Project referral income by inviting others to participate. This is a great way to build your personal network of supportive, like-minded people who are also committed to financial increase and community… because as the community benefits so will you (Jeremiah 29:7).
- The course content is written and includes helpful reference material as well as templates and questionnaires to guide your learning.
- Every Prosperity Project Participant has access to additional tips, reports, spreadsheets, templates, questionnaires and more so you can personalize your learning and not have to recreate information. This will save you a ton of time as well as help you determine where you should focus your learning to maximize your investment.
- Every Prosperity Project Participant gets special access to a private networking group on Facebook. Here you can interact with other Prosperity Project participants to share ideas, to find contacts and clients and to learn from each other. As Jeremiah 29:7 tells us, because ‘as a community prospers, so do you also prosper;
- Once a month I will host a live Q and A for anyone to attend. This will be exclusive to Prosperity Project Participants and will facilitate learning from me and from others. This monthly lesson will be recorded and provides an opportunity for participants to ask personal questions anonymously as well as to learn from the questions others ask. This program will also facilitate making connections to accelerate your results! As we’ve all heard the saying, ‘it’s not as much about what you know, but who you know’.
- Once a week, Personal Prosperity Project Participants will also be invited to receive personal and small group coaching, mentorship and training with me.
This structure was originally called Project M. It required an investment of $1000 per month or $10,000 for the year. The format was coaching, training and mentoring through the materials you’ll receive in the Prosperity Project – for a fraction of the cost! The people who participated in this extremely powerful and unique ‘project’ all experienced life-changing benefits. Some became incredibly wealthy and others found freedom by realizing they didn’t have to strive and work long hours to live what they thought was their dream. They discovered they could plant seeds towards identifying and cultivating God’s plans and purposes for their life to live free from worldly financial expectations, without giving up on the desires God had placed within their hearts to experience! They didn’t have to deny or pretend to be ok by doing without – they realized their focus was being mis-directed! Today, you can become one of 12 Personal Prosperity Project Participants to access all this (and more) for $249 / month or $2495 for the year. If that’s not in your budget, you can still participate in the private online Prosperity Project for only $79 / month or $795 for the year! And, REMEMBER, all Prosperity Project Participants have an opportunity to earn referral income in addition to, or as the source of their income – the point of the project is not to consume income, it’s to earn more!!
Why Now? Why so Much Information? Why Work with Me?
- How much longer do you want to wait to find out what more you can be earning and doing for yourself and the Kingdom of God on earth?
- This is a comprehensive program but it’s the practical, real-life information you need to navigate day-to-day financial decisions successfully. It’s not a degree program, however, the content has previously been accredited by financial advisor licensing authorities. This is professional training, yet designed for ‘real-people’ living their life, working in their careers and enjoying their families. It’s not intended to turn everyone into a financial expert. It’s intended to help you learn and apply the basics to be able to ask better questions, get better answers and therefore, get better overall results.
- I have over 30 years working in and around finance now. I’ve done it, taught it, lived it. I have also survived it and persevered through God’s grace and unmerited favour. Jesus couldn’t have been clearer when we said we can’t serve both God and money’ (Matthew 6:24). I know the pitfalls of serving money. It’s a very subtle trap, and one the enemy has a huge stronghold over. I have earned a lot; lost a lot; and gained a lot more!
- I am a messenger overflowing with experience, expertise, and passion to share with God’s people. I tried very hard to develop an interest in anything other than financial empowerment, and always God nudged me on: sometimes with quiet whispers and promptings, and other times with painful kicks and prodding. The result, I believe is a calling and anointing teach a unique message in this essential area of life.
Most people recognize financial training is necessary; many people desire to know and have more; but few are willing to invest in learning and doing what it takes to ‘unlock the treasures stored in the secret places’ (Isaiah 45:3) because its uncomfortable to surrender life-long beliefs, mindsets, and pride. It’s uncomfortable to give up control of what we can see and think we know best about how to deal with money. Ultimately, it’s about letting God take control of this area of our life. It’s uncomfortable to admit you have sinned by not putting Him first in this area of your life, even if you’ve ‘religiously’ given your 10% on Sunday and helped out in church activities, and contributed to other church functions with your time and money.
It’s uncomfortable, because the Blood of Jesus and Holy Spirit draws us into this private, intimidating area of life, that has the potential to bring us face-to-face with where we really place our trust: in God, or money?
Will join me?
The online order process is still being developed. But, I’m here and I’m sadly admitting that I have delayed beginning the program and following what God has put on my heart for His people because the process wasn’t perfect – ugh! We aren’t perfect people, but it’s His spirit at work within us that brings us out of conforming to the world’s system and into His good, perfect and pleasing will through the transformation of our minds (Romans 12:2).
Email me at email@example.com or call me at 250-592-0457 (pacific time) so I can send you the order link. The first 12 people in the Personal Prosperity Project at $249 / month of $2495 for the year will be working with me personally and get a private consultation to begin the program. These consultations are $350 each, but the first 12 people will have it included in their program fee!
Contact me today – and in the meantime, I’m praying for everyone. Monday online prayer continues at 7:30 am PST. The access is below.
PS – The enemy comes to ‘steal, kill and destroy. Jesus came to bring abundant life’ (John 10:10). If you’ve read this entire message remember this, decrease, decay, and death of dreams, relationships, health, and other creative and inspiring ideas are not God’s plans. Increase, triumph, and blessings are His as we seek Him and trust Him with our whole heart, mind and body!
PPS – The apostle Paul tells us to, ‘pray continually’ (1 Thessalonians 5:17). Here’s the access to join Monday Morning Financial Grace prayer.
Join from PC, Mac, Linux, iOS or Android: https://zoom.us/j/908651509?pwd=oNRiFMgKOIDMVzuZKKKqIw%3D%3D
Or iPhone one-tap (US Toll): +16465588656,,908651509# or +14086380968,,908651509#
Dial: +1 646 558 8656 (US Toll) or +1 408 638 0968 (US Toll)
Meeting ID: 908 651 509
International numbers available: https://zoom.us/zoomconference?m=BHbKSYTCPZLYgZQuL5s4j7n04r0jrDVv