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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. Back to Testimonials 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 Previous Next

I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. Back to Testimonials Thank you Copland Financial Ministries I would like to Thank Copland Financial Ministries, Tom Copland and Randy Ziegenhagel for this amazing teaching on Financial Management God’s Way for Women. I have learned how to manage my finance according Biblical Principles . It has been an eye open experience for me. R.G. Previous Next

Discover exciting financial online webinar events with Finance Tutor. Stay updated on the latest financial online webinar opportunities today! What's On at Copland Financial Ministries Upcoming Events Sat, Jan 31 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 9:30am-11:30am / More Details Jan 31, 2026, 9:30 a.m. EST – Apr 25, 2026, 11:30 a.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on January 31-April 25, 2026 +32 more Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +59 more Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) (Meta Registration) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +4 more Thu, Apr 09 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on April 9-June 25, 2026 +21 more Registration Closed Tue, Jan 13 Eli and Tony Financial Management God's Way Small Group-Tuesday 7:00pm-9:00pm / More Details Jan 13, 2026, 7:00 p.m. EST – Feb 24, 2026, 9:00 p.m. EST Zoom Tony and Eli will be conduction another amazing small group session that will start on January 13, 2026 +54 more Registration Closed Thu, Oct 30 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Thursday evenings / More Details Oct 30, 2025, 7:30 p.m. – Feb 05, 2026, 9:30 p.m. Zoom October 30, 2025 to February 5, 2026- Thursday evenings +26 more Registration Closed Sun, Oct 26 Tom Copland, Josh Grant and Jonathan Grant-In-Person Only -Handling Money God's Way / More Details Oct 26, 2025, 6:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Starting March 22, 2026, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. Here's the schedule: March 22, March 29, April 5, [we will skip April 12 Easter Sunda +70 more Registration Closed Sat, Oct 25 Tony Martino - In-Person Event Only - Financial Management God's Way For Men / More Details Oct 25, 2025, 9:30 a.m. – 11:15 a.m. EDT Brampton, 11613 Bramalea Rd, Brampton, ON L6R 4B7, Canada Financial Management God's Way For Men, October 25, 2025 at Hope City Church 11613 Bramalea Rd Brampton, ON L6R 0C2 Register in this link To register please scan the QR code in this link https://hopebram.infellowship.com/Forms/478721 Registration Closed Sun, Oct 19 Tom Copland, Josh Grant and Jonathan Grant - In-Person & Online -Secular vs. Biblical Perspective On Managing Money / More Details Oct 19, 2025, 6:00 p.m. – 8:00 p.m. EDT Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Oct. 19, 2025, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Secular vs. Biblical Perspective on Managing Money , In Person and Online at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +184 more Registration Closed Tue, Sep 16 Efrain Soto and Tom Leonard- Financial Management God's Way- Tuesday, 7:30pm to 9:30pm / More Details Sep 16, 2025, 7:30 p.m. EDT – Dec 02, 2025, 9:30 p.m. EST Zoom Starting September 16, 2025- Dec. 2, 2025. every Tuesday at 7:30pm to 9:30pm, Efrain Soto, Tom Copland and Tom Leonard , will be leading an in-depth biblical financial study titled "Financial Management God's Way” via Zoom. +99 more Registration Closed Sat, Jul 12 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon / More Details Jul 12, 2025, 10:00 a.m. EDT – Oct 04, 2025, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on July 12, 2025 +12 more Registration Closed Sat, Mar 29 Christine Kewallal Small Group-Financial Management God's Way / More Details Mar 29, 2025, 10:00 a.m. EDT – Jun 21, 2025, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on July 12, 2025 +27 more Registration Closed Thu, Feb 20 Alexandra and Joyce Financial Management God's Way Small Group / More Details Feb 20, 2025, 7:30 p.m. EST – May 08, 2025, 9:30 p.m. EDT Zoom Alexandra King and Joyce Rustenburg, small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way” on Zoom. +27 more Registration Closed Tue, Nov 19 Tony and Eli - Financial Management God's Way / More Details Nov 19, 2024, 7:00 p.m. EST – Feb 18, 2025, 9:00 p.m. EST Zoom Tony and Eli will be conduction another amazing small group session that will start on November 19, 2024 +30 more Registration Closed Thu, Oct 24 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way / More Details Oct 24, 2024, 7:30 p.m. – Jan 30, 2025, 9:30 p.m. Zoom +47 more Registration Closed Sat, Sep 21 Christine Kewallal Small Group-Financial Management God's Way / More Details Sep 21, 2024, 10:00 a.m. EDT – Dec 14, 2024, 12:00 p.m. EST Zoom Christine will be leading another small group about Financial Management that will start on Sept. 21, 2024 +59 more Registration Closed Fri, Jun 14 Financial Management God's Way Small Group- Alexandra and Joyce / More Details Jun 14, 2024, 8:00 p.m. EDT – Aug 30, 2024, 10:00 p.m. EDT Zoom Alexandra King and Joyce Rustenburg, small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way” on Zoom. +21 more Registration Closed Sat, Jun 08 Meeting in Person and Online with Tony, Eli and Russel-Biblically Based Estate Planning / More Details Jun 08, 2024, 9:00 a.m. – 1:00 p.m. Ajax Alliance Church, 115 Ritchie Ave, Ajax, ON L1S 7E8, Canada This small group will meet Saturday from 9AM - 1 PM EST (Toronto time) on June 8, 2024 at Ajax Alliance Church, 115 Ritchie Ave Ajax, Ontario L1S 7E8. I't also available via live streaming in this link https://www.youtube.com/@AjaxAllianceChurch/streams +83 more Load More Sat, Jan 31 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 9:30am-11:30am / More Details Jan 31, 2026, 9:30 a.m. EST – Apr 25, 2026, 11:30 a.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on January 31-April 25, 2026 +32 more Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +59 more Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) (Meta Registration) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +4 more Thu, Apr 09 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on April 9-June 25, 2026 +21 more

Many people believe it is good financial thinking to use borrowed money to make a lot of money. In other words, “smart people use other people’s money,” not their own. This is a lie from the world and Satan. The only way that is true is if you can predict the future—that is, know with certainty the direction of markets and the economy. Back to Financial Deceptions Smart People Use Other People's Money By: Tom Copland June 15, 2020 Many people believe it is good financial thinking to use borrowed money to make a lot of money. In other words, “smart people use other people’s money,” not their own. This is a lie from the world and Satan. The only way that is true is if you can predict the future—that is, know with certainty the direction of markets and the economy. The biblical truth is that only God knows the future. Humans can make our best guess about the future, but frequently we are wrong. The past 100 years have shown that no human being can consistently predict the direction of the markets. For example, from 1993 to 2000 the value of most stocks in Canada and the United States increased significantly. With false confidence, many people “used other people’s money”—that is, borrowed capital—with the objective of increasing their returns. From 2000 to 2002, on average, the shares on Toronto and New York exchanges decreased about 50 percent in value. People who used debt lost a lot of money. Some lost not only their original capital but ended up in a deficit as their stocks’ value dropped below the amount they had borrowed. The same principle applies to real estate. During the middle and late 1980s, the value of real estate increased significantly in the Toronto area. Many people believed it would never go down. However, between 1990 and 1995, the values dropped drastically. Some commercial real estate decreased by 75 percent in value, and residential by 50 percent. People with a lot of debt were hurt badly, and in some cases lost their home or investment property. Over the years, I’ve seen many business people try to use significant debt to their advantage. Although there may have been periods when they benefited as the company expanded faster than it otherwise would have, in due course, every business encounters difficult times, and generally, it is companies with a lot of debt that suffer the most, and some are forced into bankruptcy. The Biblical truth is that we do not know what will happen tomorrow. Proverbs 27:1 states, “Do not boast about tomorrow, for you do not know what a day may bring forth.” In other words, there are no “sure deals.” The same principle applies in business. God warns us, Now listen, you who say, “Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.” Why you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. Instead, you ought to say, “If it is the Lord’s will, we will live and do this or that.” (James 4:13–15) In summary, we do not know what will happen tomorrow—only God knows the future. Therefore, we should utilize minimal debt—or ideally carry no debt—in regard to investments and business expansion. Overall, the instruction in God’s Word is toward minimal debt, not maximum debt. (Please see my Financial Moments on borrowing for further details.) Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

God has spoken to me through this workshop series by allowing me to better understand how to manage the money he’s entrusted to me. I’ve been actively consulting with Christ regarding all financial decisions. Establishing a budget has allowed me to get a sense of what I can afford. The case studies allow us to explore real life situations in which non-biblical principles can lead to financial ruin. Tom is an inspiration and great leader. I’ve taken his workshops several times and I always learn something new. Thank you! Back to Testimonials God has spoken to me God has spoken to me through this workshop series by allowing me to better understand how to manage the money he’s entrusted to me. I’ve been actively consulting with Christ regarding all financial decisions. Establishing a budget has allowed me to get a sense of what I can afford. The case studies allow us to explore real life situations in which non-biblical principles can lead to financial ruin. Tom is an inspiration and great leader. I’ve taken his workshops several times and I always learn something new. Thank you! S.G. Toronto, ON Previous Next

Recently a group of pastors were discussing that their churches were falling behind in their giving and having trouble meeting budgets. I was reluctant to share, less it appears to be bragging, that our church was in fact ahead in this year’s budget and we enjoyed a sizeable surplus. Upon reflection, I concluded that one of the reasons for the excellent response was because we have been scheduling some classes and seminars on personal finances and debt reduction/elimination. Back to Testimonials Daily living for God Recently a group of pastors were discussing that their churches were falling behind in their giving and having trouble meeting budgets. I was reluctant to share, less it appears to be bragging, that our church was in fact ahead in this year’s budget and we enjoyed a sizeable surplus. Upon reflection, I concluded that one of the reasons for the excellent response was because we have been scheduling some classes and seminars on personal finances and debt reduction/elimination. One of the reasons people fail to give what they should is because they are carrying a debt load. I am finding that in addition to giving challenges, debt is placing tremendous stress on marriages and affecting people’s emotional and physical health. Recently, one of the men who was baptized in our church testified to the fact that it was through the financial teaching in our church that he got his spiritual priorities straightened out and realized what that meant for his daily living for God. Anonymous Previous Next

Many people believe that financial freedom will be obtained only when they have lots of money and material things. This is a deception from the world. God warns us: “Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless” (Ecclesiastes 5:10). Back to Financial Deceptions Financial Freedom is Attained by Having Lots of Money By: Tom Copland June 15, 2020 Many people believe that financial freedom will be obtained only when they have lots of money and material things. This is a deception from the world. God warns us: “Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless” (Ecclesiastes 5:10). Over the past 30 years, I have seen many wealthy people who have no peace in the area of finances. They are not “financially free.” They are stressed out by money-related problems, such as, Where should I invest my money? or, What if I lose my money? Sometimes they are workaholics with an unquenchable desire to accumulate more and more. Worry and anxiety dominate their minds in regard to money-related issues. True financial freedom comes only from having God’s peace and joy in the area of finances. To obtain God’s peace and joy in respect of finances, I believe that the following steps would be appropriate: 1. Believe that it is God’s truth that will set you free from the deceptions of this world. “To the Jews who had believed him, Jesus said, ‘If you hold to my teaching, you are really my disciples. Then you will know the truth, and the truth will set you free’” (John 8:31, 32, emphasis added). 2. Recognize God’s truth that we are stewards of what God has entrusted to us. Our responsibility is to apply God’s financial principles and do God’s will. God’s promise is that if we put him first, he will meet our needs (Matthew 6:31–33). Once you have fulfilled your responsibility, you can “cast your cares on the Lord” (Psalm 55:22) and trust God to meet your needs. This should enable you to enjoy God’s peace. 3. With God’s help, learn to be content with God’s provision. The apostle Paul said, I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well-fed or hungry, whether living in plenty or in want. I can do everything through him who gives me strength. (Philippians 4:11–13, emphasis added) 4. Acknowledge that the accumulation of money and material things are temporary and not of any eternal value. (See Matthew 6:19–21.) In short, from an eternal perspective, God’s truth is that a selfish desire to become wealthy has no value. 5. Experience the joy of giving. Jesus said, “It is more blessed to give than to receive” (Acts 20:35). Giving with a cheerful heart and out of your love for God enables you to be free from the love of money and to experience the joy of giving. In summary, one of the deceptions of this world is that financial freedom comes from having lots of money and material things. True financial freedom comes only from having God’s peace, joy, and contentment in the area of finances. Previous Article Next Article More Topics The Joseph Principle Read More Co-Signing/Surety Read More Freedom from Financial Anxiety Read More

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. Back to Testimonials 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 Previous Next

Discover TV Shows 28-Minute Shows that teach financial wisdom. Explore TV Shows 28-Minute Shows for insights on handling money God's way. TV Shows Tom's 28-minute videos Handling Money God's Way A featured series for individuals and families Session: 1 Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Session: 2 God's Wisdom on Debt and Saving God warns of the dangers of debt and God admonishes us to save for future needs Session: 3 Steps to Get Out of Debt Obtain a practical understanding of how to reduce your debt, with the long-term objective of becoming totally debt-free Session: 4 Budgeting Includes biblical principles of investing Session: 5 Financial Deceptions Beliefs that appear to be correct but are contrary to God’s principles and often tempt people to get into debt. Session: 6 Godly Attitude Toward Money Question: Can money in and of itself, be corrupt or evil? $ Handling Money God' Way 28-Minute Shows God’s Financial Wisdom For Government Leaders and Voters Government leaders need to learn and apply biblical principles in managing government finances Managing Money During Difficult Times When people are in a state of fear or anxiety about their finances, they will often make hasty decisions. Management of Money Impacts Relationship with Spouse Most people buy things they don't need, accumulate debt, and eventually suffer the consequence. Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. God's Financial Wisdom for Young People Unfortunately, many Christians do not pray and wait for God's provision. In a sense, they don't even give God a chance to provide. Discerning God's Will in Managing Money An overview of the Bible's financial guidelines so you can really discern what God wants you to do. God's Financial Wisdom for Business This series is appropriate for business owners and managers. Applicable to anyone who makes important financial decisions for a business. Dealing with Inflation and High Interest Rates from a Biblical Perspectives The objective here is to determine whether you have a surplus or deficit in your monthly cash flow. God's Financial Wisdom for churches and Church Leaders You've been faithful with a few things. I'll. I'll trust you, with you, with many things. Management of Money Impacts Eternity Does how you manage money here on earth impact eternity in any significant way? Questions to Consider Before Borrowing It is not a sin to borrow money, but it is a sin to borrow without repaying. This series takes you through important things to consider before deciding to borrow money. Investing God's Way The Bible provides 12 principles related to investing. This 3-session series teaches you how to fulfill your stewardship responsibilities by way of investing the money God has entrusted to you. The Dangers of Co-signing The biblical perspective is to have minimal debt or no debt. And the Bible warns of the dangers of cosign doesn't say you can't co-sign, but it warns of the dangers. The worldly perspective is to use debt freely, which results result in lots of debt and the world's perspective. Obtaining Godly Counsel Too often we believe that we have to figure things out on our own, but this is not God’s will. God wants us to seek his counsel on any important decision. Secular Perspective vs Biblical Perspective Session 1 Overview A person with a biblical perspective will be called a biblical steward Featured Series 28-Minute Videos

My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Back to Testimonials We thank you for your ministry My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Anonymous Previous Next

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.” Back to Counsel & Wisdom From Godly Financial Advisers By: Tom Copland June 15, 2020 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.” Unfortunately, sometimes Christians refuse to seek counsel because of pride. Proverbs 13:10 states, “Pride only breeds quarrels, but wisdom is found in those who take advice. Proverbs 11:2 states, “When pride comes, then comes disgrace, but with humility comes wisdom.” Nevertheless, God indicates that your probability of success is greater with many advisers. Proverbs 24:6 states, “For waging war you need guidance, and for victory many advisers.” God recommends that we obtain biblical counsel from godly financial advisers. The man without the Spirit does not accept the things that come from the Spirit of God, for they are foolishness to him, and he cannot understand them because they are spiritually discerned. The spiritual man makes judgments about all things, but he himself is not subject to any man’s judgment. (1 Corinthians 2:14, 15) Blessed is the man who does not walk in the counsel of the wicked. (Psalm 1:1) I have met some non-Christian financial advisers who do give good practical advice. However, if you want advice from a biblical perspective, which I believe is God’s will for every Christian, then you can get godly advice only from a godly financial adviser. For example, a nonbeliever is simply not going to understand the desire in the believer’s heart for giving a significant portion of one’s income to God’s work. The believer has an eternal perspective, wanting to build up “treasures in heaven” rather than “treasures on earth.” (Matthew 6:19–21) In addition, a godly adviser would counsel you to use minimal debt (Proverbs 22:7), while many worldly advisers would encourage the use of a lot of debt, based on the belief that “smart people use other people’s money” or “buy now and pay later.” Therefore, before making any major financial decision, I recommend that you seek the advice of two or three godly financial advisers. In my view, an appropriate definition for such a person would be as follows: a spiritually mature Christian who understands and applies God’s financial principles (Psalm 111:10), has a close personal relationship with God (John 15), has the necessary practical financial knowledge (Proverbs 24:3, 4), and habitually puts the interests of clients first (Philippians 2:3, 4). I believe that one of your financial counsellors should be your spouse (Genesis 2:24), even if she or he has limited financial knowledge. God, through his Holy Spirit, can give his peace or lack of peace to an objective spouse who is not emotionally excited about or biased against a particular financial decision. After obtaining the counsel outlined above, it is your responsibility, to pray and ask God to give you his wisdom (James 1:5) in weighing the advice you have received. Proverbs 14:15 states, “A simple man believes anything, but a prudent man gives thought to his steps.” In summary, before making any major financial decision, seek counsel from two or three godly financial advisers and from your spouse. Proceed only after you and your spouse have spent considerable time in prayer, and God has given you his peace and his wisdom. Previous Article Next Article More Topics Priorities Read More Stewardship Principle Read More Debt Principles Read More