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Managing money can feel overwhelming, especially when you want to align your finances with your faith. I’ve found that turning to biblical principles offers clarity and peace. One story that stands out is the parable of the talents . It’s a powerful lesson on stewardship, responsibility, and growth. Let’s explore how this parable can guide us in managing money wisely and faithfully. Embracing Biblical Money Management in Everyday Life When I first started thinking about biblical money management, I realized it’s not just about avoiding debt or saving money. It’s about stewardship - recognizing that everything we have is entrusted to us by God. This mindset changes how we view our finances. Instead of hoarding or spending recklessly, we become caretakers who seek to multiply what we’ve been given. Here are some practical ways to embrace biblical money management: Budget with purpose : Plan your spending to reflect your values and goals. Give generously : Tithing and charity are key parts of stewardship. Avoid unnecessary debt : Live within your means to maintain peace. Invest wisely : Grow your resources to support your family and community. By applying these principles, you can build a financial life that honors your faith and provides security. What is the Parable of the Talents in Luke 19? The parable of the talents is a story Jesus told to teach about responsibility and accountability. In Luke 19, a nobleman entrusts his servants with different amounts of money (called talents) before going on a journey. When he returns, he asks for an account of how they used the money. Two servants invest and double their talents, while the third hides his talent out of fear. The nobleman praises the first two for their faithfulness and condemns the third for his lack of action. This story highlights several key lessons: Use what you have : Don’t waste or hide your resources. Take risks wisely : Growth requires effort and courage. Be accountable : You will answer for how you manage what’s entrusted to you. Understanding this parable helps us see money as a tool for growth and service, not just personal comfort. Applying the Parable of the Talents to Your Financial Journey How can you apply these lessons to your own finances? Here are some actionable steps: Assess your resources : What talents (skills, money, time) have you been given? Set clear goals : Decide how you want to grow your resources in ways that align with your values. Take calculated risks : Whether it’s investing, starting a side business, or learning new skills, growth often requires stepping out of your comfort zone. Track your progress : Regularly review your finances to stay accountable. Give back : Use your resources to bless others and support your community. Remember, the goal is not just to accumulate wealth but to be faithful stewards who multiply what we’ve been given for a greater purpose. Overcoming Fear and Procrastination in Financial Stewardship One of the biggest barriers to faithful money management is fear. The servant who hid his talent was afraid of losing it. Maybe you’ve felt the same way - afraid to invest, afraid to budget, or afraid to face your financial reality. Here’s how to overcome that fear: Start small : Begin with manageable steps like tracking expenses or setting aside a small savings amount. Educate yourself : Knowledge reduces fear. Read books, attend workshops, or seek advice from trusted sources. Pray for guidance : Ask for wisdom and courage to manage your finances well. Focus on progress, not perfection : Every step forward counts, even if it’s not perfect. By facing your fears, you open the door to growth and greater financial peace. Building a Legacy Through Faithful Financial Stewardship The parable reminds us that our financial decisions have long-term impact. When we manage money with faith and wisdom, we build a legacy that can bless future generations. Consider these ways to build a lasting legacy: Teach financial principles to your family : Share what you’ve learned about stewardship and responsibility. Plan for the future : Create wills, trusts, and savings plans that reflect your values. Support causes you care about : Use your resources to make a difference in your community and beyond. Live with integrity : Your example will inspire others to manage their resources well. Financial stewardship is not just about today - it’s about planting seeds for tomorrow. I hope these lessons inspire you to take confident steps in your financial journey. Remember, managing money according to biblical principles is a path to peace, purpose, and impact. You have been entrusted with talents - how will you use them?

Financial wisdom can be found in many places, including ancient texts that have guided people for centuries. One such source is the Bible, which offers timeless principles that remain relevant today. Among these teachings, the parable of the talents stands out as a powerful story with important financial lessons. This blog post explores these lessons, providing practical insights to help you manage your resources wisely and grow your wealth responsibly. Exploring Biblical Financial Lessons for Modern Life The Bible contains numerous teachings about money, stewardship, and responsibility. These lessons emphasize the importance of managing what you have been given, rather than simply accumulating wealth for its own sake. Biblical financial lessons encourage: Stewardship : Recognizing that all resources ultimately belong to a higher power and should be managed with care. Diligence : Working hard and using your talents and resources to their fullest potential. Accountability : Being responsible for how you use what you have been entrusted with. Generosity : Sharing your blessings with others and supporting those in need. By applying these principles, you can develop a healthy attitude toward money that balances growth with ethical responsibility. What is the Parable of the Talents in Luke 19? The parable of the talents is a story told by Jesus in Luke 19:11-27. It describes a nobleman who entrusts his servants with different amounts of money (called talents) before going on a journey. Upon his return, he asks for an account of how they used the money. The servants who invested and multiplied their talents are rewarded, while the one who hid his talent out of fear is reprimanded. This parable teaches several key financial lessons: Use your resources wisely : Don’t let fear or laziness prevent you from making the most of what you have. Take calculated risks : Investing your talents can lead to growth and greater rewards. Be accountable : You will be asked to explain how you managed your resources. Value growth and productivity : It’s not just about preserving what you have but increasing it. Understanding this story helps frame financial decisions in a broader context of responsibility and purpose. Practical Financial Lessons Derived from the Parable The story offers actionable advice that can be applied to personal finance and business management: 1. Invest Your Resources Just like the servants who invested their talents, you should look for opportunities to grow your money. This could mean: Putting savings into interest-bearing accounts or investments. Starting a side business or project. Enhancing your skills to increase your earning potential. 2. Avoid Fear-Based Decisions The servant who hid his talent did so out of fear. Fear can lead to missed opportunities. Instead: Educate yourself about financial options. Seek advice from trusted financial advisors. Start small if you are new to investing or business ventures. 3. Be Accountable and Track Progress Keeping track of your financial activities is crucial. This includes: Budgeting and monitoring expenses. Reviewing investment performance regularly. Setting clear financial goals and timelines. 4. Use Your Talents Beyond Money The parable also implies that talents are not just money but skills and abilities. Use your unique gifts to create value, whether through your career, volunteering, or entrepreneurship. 5. Prepare for the Future The nobleman’s return symbolizes accountability and the importance of preparing for the future. Plan for: Retirement savings. Emergency funds. Long-term financial security. Applying These Lessons in Everyday Life To make these biblical financial lessons practical, consider the following steps: Create a financial plan : Outline your income, expenses, savings, and investment goals. Educate yourself : Read books, attend workshops, or take courses on personal finance. Start small : Begin investing or saving with manageable amounts. Seek mentorship : Find someone experienced who can guide your financial decisions. Practice generosity : Allocate a portion of your income to charitable giving or community support. By integrating these habits, you can build a strong financial foundation that aligns with the values taught in the parable. Embracing Responsibility and Growth in Your Financial Journey The lessons from the parable encourage a mindset of growth, responsibility, and purposeful action. Whether you are managing personal finances or running a business, these principles can help you: Maximize the potential of your resources. Overcome fear and hesitation. Stay accountable to your goals. Use your unique talents to create value. Remember, financial success is not just about accumulating wealth but about using it wisely and ethically to improve your life and the lives of others. By reflecting on these biblical financial lessons, you can develop a balanced and effective approach to money management that honors both practical needs and deeper values.

Financial wisdom is a timeless pursuit, and many turn to ancient texts for guidance on managing money and resources wisely. One such source is the Bible, which offers profound insights into stewardship, investment, and responsibility. Among its many teachings, the parable of the talents stands out as a powerful lesson on how to handle the resources entrusted to us. This blog post explores how biblical financial wisdom can be applied in modern life, helping you make smarter financial decisions and grow your wealth responsibly. The Importance of Biblical Financial Wisdom in Modern Life In today’s fast-paced world, financial decisions can be overwhelming. From budgeting to investing, the choices we make impact our future security and peace of mind. Biblical financial wisdom offers a foundation rooted in principles that transcend time and culture. These principles emphasize: Stewardship : Recognizing that resources are entrusted to us, not owned outright. Diligence : Actively working to grow and protect what we have. Accountability : Being responsible for how we use our resources. Generosity : Sharing blessings with others in need. By integrating these values into your financial habits, you can build a sustainable and ethical approach to money management. This approach not only benefits your personal finances but also contributes positively to your community. Key Financial Lessons from the Parable of the Talents The parable of the talents tells the story of a master who entrusts his servants with different amounts of money (talents) before going on a journey. Upon his return, he evaluates how each servant managed the resources. The servants who invested and multiplied their talents were rewarded, while the one who hid his talent was reprimanded. From this story, several financial lessons emerge: 1. Use Your Resources Wisely The servants who actively invested their talents understood the value of using resources productively. This teaches us to avoid hoarding money or letting it sit idle. Instead, seek opportunities to grow your assets through smart investments, education, or business ventures. 2. Take Calculated Risks The servants who multiplied their talents took risks by investing. While risk is inherent in financial growth, it should be calculated and informed. Research and planning are essential before committing your resources. 3. Avoid Fear-Based Decisions The servant who buried his talent acted out of fear, leading to lost potential. Fear can paralyze financial progress. Embrace confidence and faith in your ability to manage resources wisely. 4. Accountability Matters The master held each servant accountable for their stewardship. Similarly, tracking your finances, setting goals, and reviewing progress regularly are crucial for financial success. 5. Growth is Expected The parable implies that resources are given with the expectation of growth. Financial stagnation is not the goal; instead, aim for continuous improvement and expansion of your financial portfolio. What is the Parable of the Talents in Luke 19? The parable is found in Luke 19:11-27 and is sometimes referred to as the Parable of the Minas. It tells of a nobleman who entrusts his servants with money before leaving to receive a kingdom. Each servant receives a different amount based on their ability. Upon his return, the nobleman rewards those who have increased their money and punishes the one who did nothing with his share. This story highlights themes of trust, responsibility, and reward. It encourages believers to use their God-given gifts and resources to the fullest, emphasizing that inactivity or fearfulness leads to loss, while diligence and courage lead to blessing. Practical Ways to Apply Biblical Financial Wisdom Today Applying the lessons from the parable and biblical financial wisdom can transform your approach to money. Here are actionable steps to get started: 1. Create a Budget Based on Stewardship Treat your income as a trust rather than just personal property. Allocate funds for essentials, savings, investments, and giving. This mindset helps prioritize responsible use of money. 2. Invest in Education and Skills Just as the servants invested their talents, invest in yourself. Learning new skills or improving existing ones can increase your earning potential and financial security. 3. Start Small with Investments You don’t need a large sum to begin investing. Start with manageable amounts in stocks, bonds, or mutual funds. The key is consistency and patience. 4. Practice Generosity Set aside a portion of your income for charitable giving or helping others. Generosity fosters gratitude and aligns with biblical teachings on wealth. 5. Review and Adjust Regularly Financial stewardship requires ongoing attention. Review your budget, investments, and goals quarterly to ensure you are on track and make adjustments as needed. 6. Avoid Debt When Possible Debt can hinder your ability to grow financially. Use credit wisely and aim to pay off debts quickly to free up resources for investment and giving. Embracing a Mindset of Growth and Responsibility The ultimate message of the parable is that financial resources are not just for personal gain but for growth and service. Embracing this mindset can lead to: Increased financial confidence : Knowing you are managing resources wisely. Greater peace of mind : Reducing anxiety about money through planning. Positive impact on others : Using wealth to support family, community, and causes. Long-term prosperity : Building a legacy that lasts beyond your lifetime. By viewing money as a tool for stewardship rather than mere possession, you align your financial goals with deeper values and purpose. Unlocking the financial lessons from the parable of the talents offers a rich source of biblical financial wisdom. Whether you are just starting your financial journey or looking to refine your approach, these principles provide a solid foundation for growth, responsibility, and generosity. Start today by reflecting on how you can better use your talents and resources to build a secure and meaningful financial future.

Discover how our Finance Tutor services have transformed lives. Visit our Testimonials page to read real success stories and experiences. Testimonials Thank you! You made a huge positive difference in my life DS Calgary Alberta I learned that I was not alone While I have been aware of the workshop for a long time, I continually put it off because I was embarrassed, and to be honest, refused to submit to God’s truth. I learned that I was not alone. I am already making better choices but recognize that’s is a long way to go. J.B. Alliston, Ontario Business Testimonial It is now 2026 and we are so blessed to say our business is debt free! We are only in our early forties, with Gods help this is possible for you too! All the glory goes to God! Read More L & A Saskatchewan, Canada Debt Was So Easy To Get Into Debt was so easy to get into. But I am trusting God to find the way out of debt and we learned guidelines on how to manage money better, biblically through the workshop. Read More CC Orillia Ontario God's provision and answered prayers From spending to saving and from drowning in debt to paying off collections and re-establishing good credit. Giving, saving, and being debt free are my priorities and focusing on the work of God's kingdom instead of the love/hate relationship with money and debt. Read more VJ 321 West Brooklyn MTN Rd, Wolfville, NS B4P 0N8 I have come to realize that Biblical stewardship is not an area that can be faked. I began seriously studying God's Word on finances around 2008 when going through a Sunday School seminar on Debt Reduction God's Way led by Tom Copland (shortly after he had joined our church in Ajax). Read More E.L Ontario, Canada You truly a servant of God Just watched your program on Vision TV ….and was so encouraged by your very Christ centred & biblical teaching . Read more Janet St. Catharines Ontario This brought healing knowledge and advice Your sincere honesty and sharing of true situations in your life, helped the rest of us to open up and share too. Read More BW North Vancouver Canada God willing will have the mortgage paid off in September Blessings to you! I've continued to watch you on Financial Moments on YesTV and you always have a wealth of information - I loved the comparison between secular and non-secular ways of managing money it really spoke to me and reminded me of the importance of managing money God's way. Read More Jennifer Burlington Ontario Zoom Small group Participant Testimony Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. Read More JG Kemptville, Ontario Canada We found the workshop extremely helpful "Tom, my wife and I attended one of your workshops over 10 years ago when we were struggling with a crippling load of debt. We found the workshop extremely helpful and through your guidance and the principles you taught, and turning to God in complete trust of our situation, not only did. Read More TA Newmarket Ontario Tom Copland’s book, Financial Moments If you finally want to straighten out your finances the right way based on Biblical principles, get this book. You’ll wonder how you ever dealt with your finances without it." Read More T.O Oshawa, Ontario, Canada. 
 Thank you so much. I appreciate all you knowledge that you share. I learn so much from your teachings. How you know the scriptures and how you apply them to our finances and to our daily living. Thank you so much. I appreciate all you knowledge that you share. Susan C Facebook follower Sincerest thanks and may the Lord continue to bless you, your family and Copland financial ministries. I couldn't express enough how grateful I am to have Christine, and now Ton, helping us. Christine is incredibly skilled, creative and the most amazing blessing in so many ways! Read More SR & PN Stouffville Ontario Canada The budgeting material (in particular) has been very helpful I’m grateful to have had the opportunity to take this course. Thank you, Tom, for your ministry." Read More P.K. Oro-Medonte, Ontario, Canada Your radio programs have been a daily source of inspiration I hope this email finds you well. I wanted to reach out and express my gratitude for the impact your work has had on my life over the past two years. Your radio programs have been a daily source of inspiration and have guided me towards discovering my purpose. ME Waterloo, Ontario Thank You Tom for all you do. Thank You Tom for all you do. I hope you know you are breaking chains and setting people free because that is exactly what you are faithfully doing. Read More W.P. Shawville Quebec, Canada God richly bless you and your family Brother Copland For someone who had had so much Kingdom impact and so much success you radiate the presence of God in your approachability... humility and it is a powerful gift. God richly bless you and your family Brother Copland. K. J. P. Kitchener, Canada The workshop has been very beneficial The workshop has been very beneficial in giving me practical insights in managing my debts based on Biblical principles. BB Edmonton, Alberta I agree 100% with the principles and messages from Copland Ministries "I agree 100% with the principles and messages from Copland Ministries. Through the Financial Management process, you can fine tune your finances so that you are on the way to good financial health." T. S. Cebu, Philippines I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry. J. G. 281 Fir Lane Kemptville, Ont K0G 1J0 My financial situation is a burden to me I am doing your 4 part financial online course. I am so blessed to be apart of this course. My financial situation is a burden to me and I am so encouraged by these sessions. I saw you on TV about a year ago and have blessed since. Praying the Lord will continue to bless you abundantly as you help us with our financial situation so that we can have peace and joy as Children of God. D.S. 18 Cloverlawn Street, Brampton Ontario, Canada Thank You Tom and God Bless You. I keep you in my Prayers Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. D.W.P. Shawville Québec, Canada God saved me $1000.00 by knowing the state of my flocks! Thank you for your financial seminar I took for Singles last year. Your seminars are excellent biblical teaching that works and I am still using today. Thank you Tom and thank you God! P. H. Vancouver, Canada Your ministry is a blessing to me Your ministry is a blessing to me & my family. I am very appreciative of your 'all wise' emails. DM, Chester Basin, Nova Scotia Canada. DM Chester Basin, Nova Scotia Canada. I have been blessed to be a part of this Biblical teaching! This teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it. I purchased some of the books, and was blessed to receive a free one too, and I give these books to my friends and family members. Read More BG Saskatchewan, Canada Thank you Copland Financial Ministries I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. Read More R.G. Financial Management God's Way for Women Thank you personally for the teaching which was very transformative. IA Toronto, Canada Thanks be to God I am debt-free Thanks be to God I am debt-free and I'm able to be used to help others in this world. Many many thanks for your ministry. LP Toronto, Canada Financial Moments, Biblical Principles That Will Transform How You Manage Money I’m reading through that book by Tom Copland. Wow is it good and wow did I break so many principles of God! It’s very confusing as I thought this was the will of the Lord how it came about but he says at the beginning that Tom said God uses financial issues as trials as well. Read More Adam GLORY TO GOD IN THE HIGHEST!!!!!!! God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. Read More NF Brampton ON, Canada I wish I had learned these principles sooner My knowledge and understanding of God's financial principles has profoundly changed. The bible is a wealth of information on how we should wisely think and then manage our finances. I have been so culturally accustomed to secular thinking about finances that I was not even aware of the detrimental impact that it had on my relationship with God. Read More L.G. Toronto, ON, Canada It pushed me to pay off my mortgage I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. It really pushed me to pay off my mortgage sooner than later, and I'm forever grateful! Thank you for taking the time to chat with me after our session. I value your insights, along with the tips you gave me. Read More S.P. Toronto, ON, Canada God answers prayer with respect to a wayward daughter Growing up, my parents and grandparents never overspent on anything and neither did I (but we are not holy and righteous). However, while I thought I was “pretty good in terms of everything” especially money management, my daughter’s credit card debts surfaced in 2013 after she was baptized and moved away from home to university. For the first time, she had a lot of money to manage, from student loans, ESF education saving fund, part time jobs to monetary gifts from relatives. Read More S.L. New Tecumseth, ON, Canada Very high quality and essential Your program is very high quality and essential for today’s Canadian families. We are pleased to have posted it on our website. God bless. Anonymous Tom's faithfulness to love God and love people Amazing! Tom’s knowledge of the bible is extraordinary and God’s call on his life is unmistakable, allowing so many people the opportunity to learn and understand how to manage finances God’s way. I feel truly blessed to have been able to participate and learn from Tom’s wisdom. His generosity in offering this program without charging a fee is testament to his commitment to God and man. Tom lives his faith and demonstrates his faithfulness to love God and love people. Thank you Tom!! W.B. Barrie, ON, Canada Zoom Webinar Testimony We want to say thank you! We have been attending your zoom study on financial management God's way. We have both learned so much. Personally, I never dreamed the Bible had so much to say on finances. We are currently working on a budget for ourselves and are actively paying down our debt. Thank you so much for teaching this awesome study. L.A. Oxbow, SK, Canada A life-changing testimony There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. Read More Judy Toronto, ON, Canada God's Word on finances more effectively People are still commenting about the significant blessing your seminar series “Handling Money God’s Way” was. We had over 200 individuals sign up for this – and about one-third of those were from outside our church – praise God!! In one session, you shared how to have a personal relationship with Christ and we offered new testaments to anyone who wanted one, and over 30 people took one. Read More Anonymous God used you to save a life It is amazing to hear from you and would be thrilled to speak with you. You were the first human voice I heard as God’s grace filled my life. Please know that at least once God uses your recorded voice to save a human life and to add my name to the Book of Life. Thank you. C.L. Halifax, NS, Canada The expressions of my gratitude are many Where do I begin? The Lord our God, my Heavenly Father, brought me to Copland Financial Ministries. I have been both convicted and encouraged. Since taking Financial Management God’s Way for Singles, I have made two or three major financial decisions that I believe please God. Knowing and understanding and then implementing the Word of God in my finances are a great blessing bringing peace and joy. Read More N.F. Brampton, ON, Canada It has helped convict my heart Thank-you for leading our finance course! It has helped convict my heart to make some practical changes. The difference between this course and the other course Jamie and I did 8-9 years ago is the infusion of God's word into the curriculum. It's neat having my Bible beside me while I'm working through the case studies. So, thank you both (and Tom Copland) for providing such a strong Biblical foundation to what we are learning. I'm finding not only is my mind (and pocket-book) being challenged, but my heart is as well. I feel God is challenging my thinking on faith and trust in Him as well. T.N. Calgary, AB A man was in the depths of despair A man was in the depths of despair and psyched himself to drive his car into the water to commit suicide. He said the only station that would come in was CJLU 93.9. He specifically heard Tom Copland and decided against killing himself. He gave his life to Christ and has been a Christian now for a year and a half. He talked about the Bibles he has been giving out to people and how he now attends a local church. He called the station this week to share his testimony. Thank you for airing Financial Moments on Harvesters FM. God bless you. J.L. (Radio Host) Eastern Canada Zoom webinar testimony I took your Financial Management God's way course last fall. And with God's direction and your advice, I have paid off my mortgage!!! B.C. Woodstock, ON, Canada I've benefited greatly from your teaching I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. L.C. Montréal, QC, Canada Video Testimonials Cam's Testimony . Randy Ziegenhagel . Wolf German . Colin accepts Christ after almost ending his life It is God through his word (Hebrews 4:12) and his spirit (John 10:27) that draws people into a relationship with Christ. Be sure to listen to this video as Colin Long provides his testimony of how he had planned to commit suicide, but God did a miraculous thing, working through one of Tom’s financial moments, Colin came to know Christ as Saviour and Lord. We praise God! InTouch 2013 . InTouch 2011 . Cam's Testimony . Bayfair Testimonies . Morningstar Mike .

Back to Testimonials Thank you! You made a huge positive difference in my life "Hello Tom I've enjoyed your Sunday morning television ministry education and also the radio ads on the Calgary radio station. Thank you! You made a huge positive difference in my life of understanding better basic good money management. [I have taught] my two sons and four grandchildren ages 3 to 9 will will all benefit from grandmas involvement in your seminars. God bless! [DS Calgary Alberta] DS Calgary Alberta Previous Next

Learn how to manage your money based on Biblical principles. If you have financial questions, let us know and Tom Copland or one of our trained financial coaches will advise you. Investing Back to Articles Overview The following steps should enable you to learn and implement God’s investment principles. 1. Pray and depend on God for his wisdom (James 1:5) and his direction (Psalm 32:8) when investing, because no human can consistently predict the direction of the markets (James 4:13–15). Read More First, Pray and Depend on God for His Wisdom & Direction Prayer and dependence upon God are required in order to develop a personalized and biblically-based investment strategy. It is well known that the past performance of investment provides no guarantee for its future performance. Read More Develop & Implement a Biblically Based Investment Strategy A biblically-based investment strategy should meet the following two criteria: 1. be consistent with God’s principles 2. reflect God’s specific will for your life Read More Diversification (1 of 2) In my experience, I’ve seen too many cases where an individual has invested the majority of retirement funds in one company or in one sector. Read More Diversification (2 of 2) As explained in my previous Financial Moment, God’s Word recommends the diversification of one’s portfolio into different types of investments that will likely react differently to any particular market condition. Read More Use Minimal Debt - Or Better, No Debt Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. Read More Ensure that you Understand the Investment Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. Read More Assess your Tolerance for Risk and Invest Accordingly In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. Read More Avoid "Get-Rich-Quick Investments" and Hasty Decisions In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Read More Obtain Biblical Counsel God admonishes us to obtain counsel. Proverbs 12:15 states, “The way of a fool is right in his own eyes, But a wise man is he who listens to counsel” (NASB), and Proverbs 15:22 states, “Plans fail for lack of counsel, but with many advisers, they succeed.” Read More Ensure that your Motives are Godly and not Worldly It is possible for a Christian to be involved in investing with godly motives or worldly motives. Your motives for investing are important to God. “All a man’s ways seem innocent to him, but motives are weighed by the LORD.” (Proverbs 16:2) Read More Following God's Directives Not Human Tendencies Human tendency is to respond to what is happening in the financial markets or news from the media. Good news frequently provides confidence or triggers greed, which tempts us to buy; bad news makes us feel uncomfortable or fearful, which results in a desire to sell. Read More Giving to God's Work Produces Eternal Benefits Giving to God’s work is an investment with eternal rewards for both the giver and the beneficiaries of the gift. In regard to the giver, Jesus said: “For the Son of Man is going to come in his Father’s glory with his angels, and then he will reward each person according to what he has done” (Matthew 16:27). Read More Keep a Balanced Perspective We are bombarded with information on investments. Every day hundreds of individuals give their opinion as to where you should invest your money. It is easy to spend excessive amounts of time and energy on investing. This is not God’s will: “Do not wear yourself out to get rich; have the wisdom to show restraint. Read More