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Can you really turn your financial life around?  If you are like most people, your finances are far from perfect.  Whether it is credit card debt, living from paycheck to paycheck, an out-of-control budget, or the lack of a retirement plan, not being able to afford a vacation, your personal finances can probably use a little tuning up or a complete makeover.


Yet you ask, Can I really turn my financial life around?  You bet, and you can do it without a fairy godmother.  You can learn how to invest rather than spend and live with a budget instead of from paycheck to paycheck.  Moreover, you can choose to retire when you want, with just a simple, steady, financial plan put into action.  Remember the quote, “Pray as if everything depended on God and work as if everything depended on you”?  It’s time to put this quote into action.



What Is Financial Freedom?

According to the Fourth Man and Company, financial freedom is the state in which one is able to generate enough cash flow to take care of oneself, family, and other responsibilities.  Robert Kiyosaki, the author of the bestselling book ‘Rich Dad, Poor Dad’, defines financial freedom as having money work for you rather than you work for money, as well as building enough assets that can grow ahead of inflation by themselves. Bible says in 3 John 1:2 “Dear friend, I pray that you may enjoy good health and that all may go well with you, even as your soul is getting along well”Have you ever thought of this scripture in line with having financial freedom?




Set financial goals by having a financial finish line: Having a financial finish line involves setting limits on one’s salary in the area of your spending, savings, and investing so that your remaining wealth can be invested in achieving your life’s dreams. It’s scary to set financial finish lines when we’re told how much money we will need for big expenses like college, retirement, and end-of-life care. I’m constantly tempted to save more just in case. But planning for the worst-case scenarios comes from a place of fear and anxiety. I want to make financial decisions from a place of contentment and joy.

When I die, a big bank account balance won’t be the legacy I leave behind. I’ll be most proud of what I achieved with the money entrusted to me during my lifetime. Financial finish lines will guide me there, and help me find the balance between saving and generosity.

Understand How Money Works: Money is a medium of exchange that allows people to get what they need. It multiplies if it is properly invested and not spent. It diminishes in value over time. Understanding how money works will help you on the path to financial freedom because you need to apply the principles of money if you want money to work for you.

Increase Your Networth: Net worth is assets minus liabilities. Simply put, it is what you owe subtracted from what you own. An asset is anything of value or a resource of value that can be converted into cash, while a liability is money you owe to another person or institution that must be paid. One increases net worth by increasing what one owns and decreasing what one owes. Increasing your value by increasing how you exchange time for money will also help you to achieve financial freedom quicker. If you earn more and have a financial finish line, then you do not have to put in a lot of hours to achieve your dreams.

Eliminate Debt (Spend Cash Only): A good debt is  money you borrowed to build wealth or increase your net worth over time. On the other hand, bad debt is money you borrowed to pay for things that won’t improve your net worth.  Use good debts to increase your net worth and stay away from bad debts

Save and Invest: Though saving and investing are used by some people to mean the same thing, there is a difference. We defined Saving earlier as setting money aside for use later. On the other hand, Investing involves buying assets such as stocks, bonds, mutual funds, or real estate with the expectation that the value of the money invested will grow over time. Savings and investment are integral parts of achieving financial freedom.

Would it not be so wonderful to get to a place where you can:

  1. Provide generously for charity, take care of one’s responsibilities, have leftovers to invest and grow?
  2. Reach the stage, where others can speak of one’s wealth (Genesis 13:2)?

c)Have a secured financial future for retirement, whether it is 30 years away or 13 years away?

Have options and choices others lack because their energy is devoted to toiling for money?

The benefit of financial freedom is that one can make life decisions without being overly stressed about the financial impact. Your money works for you rather than you work for money. Just as in the scenarios above, the path to financial freedom is neither about how much you earn, being lucky in life nor knowing all the short-cuts to get rich quickly. It doesn’t mean one will be free from responsibilities, rather having control over one’s finances is the fruit of hard work, sacrifice, and time. It is a set of skills and principles one must master and practice. It is neither hereditary nor a fit of luck. We must have those skills to make as much as we can, spend as little as we can, save as much as we can, and have time to enjoy as much as we can.


We hope that you enjoyed this article and that you can apply everything that you learned from here today.

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It is very important to understand that the topics covered in all our modules should be applied in the context of relationships, eternal perspectives, spiritual disciplines, financial freedom, and mental health.

Finally, we want to leave you with these five important questions that will change your life.

  • Do you have any spiritual beliefs?
  • To you, who is Jesus?
  • Do you think there is a heaven and a hell?
  • If you die right now, where would you go?
  • If what you believe were not true, would you want to know?

Find answers here @

We hope that you have an awesome day. See you next time.

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