© Brian Kluth. This PowerPoint presentation is available for download and use in a local

church for non-commercial purposes for a $25 personal use fee (or as a part of the $49.95 internet package). Call Brian at 1-719-930-4000 or email bk@kluth.org to receive required

permission and arrange for your credit card payment or check payment to:

Brian Kluth

5201 Pinon Valley Road

Colorado Springs, CO 80919

Website: www.kluth.org

God’s Pathway to God’s Pathway to Financial FreedomFinancial Freedom

and Peaceand Peace

Did you know???

Financial problems #1 contributor to marital

stress and divorce

70% ofCredit card

holders carry

$6000-$7000

in unpaidbalances

(Consumer Federation of America)

5,000,000,000 new credit card solicitations in 2001 = 20 for every person.Up 40% from 2000

81% of 81% of College College Students Students HaveHaveCredit Credit CardsCards

College seniors now average 4

credit cards with unpaid balances of

$4,134Source: www.cardweb.com

40%"concerned" about their non-mortgage debt payments

Consumer Federation of

America

47%47%of High of High School School Seniors Seniors failed U.S. failed U.S. basic money basic money managemenmanagement testt testSource: Milw JournalSource: Milw Journal

$670 Billion($2500 for EVERYONE

in America!!!!) spent on legalizedgambling

Note: All grocery stores took in$450 Billion.

(US Abstract)

Lowest savings & giving %’s since the

Great Depression

Source: Empty Tomb

30 year declinein the %

Christiansgive

(1 ½-3 ½%)Source: Lilly Funded Study by Empty Tomb Inc.

$10-13 trillion dollars in coming estate transfers - - yet 70% without will or trust(Chronicle of Philanthropy)

Selecting your 5 smooth for killing the financial giants in

your life1 Sam 17:40 David took his staff in his

hand, chose five smooth stones from the stream, put them in the pouch of his

shepherd's bag and, with his sling in his hand, approached the Philistine.

Verses in the Bible&

Definition of financial freedom

God’s WaysMan’s Ways

1-None of God’s business

Pivotal to yourspiritual life

Luke 16:11 And if you are untrustworthy about worldly wealth, who will trust you with the true riches of heaven? Luke 12:34 Where your treasure is, there your heart will be also.    Rev 3:17-18 "You say, 'I am rich, with everything I want; I don't need a thing!”

Dt 8:17,18 You may say to yourself, "My power and...strength... produced this wealth for me."  But remember the Lord, for He gives you the ability to produce wealth. Ps 62:10 If your riches increase, don't be proud. Ps 24:1 The earth belongs to God! Everything in all the world is his!

2 - All I have is “Mine”

All I have is

God’s

God’s WaysMan’s Ways

Ecc 5:11 The more you have, the more you spend, right up to the limits of your income. Lu 16:10 Whoever can be trusted with little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. Ps 37:16 Better the little that the righteous have than the wealth of many wicked.

3 - I need more money

Manage what

I have

God’s WaysMan’s Ways

Pr 21:17 A man who loves pleasure becomes poor.    Pr 23:19 Don't carouse with drunkards and gluttons...they are on their way to poverty. Lu 15:13-14 The younger son...squandered his wealth in wild living. After he had spent everything...he began to be in need. Titus 2:11-12 The grace of God...teaches us to…live self-controlled...

4 - Live for

Pleasure Live

Self-Controlled

God’s WaysMan’s Ways

Lu 16:13 You cannot serve both God and Money.Ecc 5:10 Whoever loves money...is never satisfied with his income. 1 Tim 6:10 The love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.

5 – Love

Money Love

God

God’s WaysMan’s Ways

Prov 21:20 The wise man saves for the future, but the foolish man spends whatever he gets. Prov 22:3 A prudent man sees danger and takes refuge, but the simple keep going and suffer for it. Ecc 5:11 The more you have, the more you spend, right up to the limits of your income.

6 – Spend

it all

Save for

the future

God’s WaysMan’s Ways

Ps 37:18-19 The Lord cares (for the godly) even when times are hard; even in famine, they will have enough.    Ps 33:18-19 The eyes of the LORD are on those who fear him…to...keep them alive in famine.    Rom 8:35 Who shall separate us from the love of Christ? Shall trouble or hardship or...famine...?    

7 - Fear of loss

or hard times Faith in God

to provide

God’s WaysMan’s Ways

Ps 73:2-28 My feet were slipping...For I was envious of the prosperity of the proud & wicked...all the time their riches multiply.  Heb 13:5-6 Keep your lives free from the love of money and be content with what you have, because God has said, "Never will I leave you; never will I forsake you." 1 Tim 6:6 Godliness with contentment is great gain.   

8 – Envy

others

Be

content

God’s WaysMan’s Ways

Ex 20:17 "Do not covet your neighbor's house…or anything else your neighbor owns." Ecc 2:26 To the sinner he gives the task of gathering and storing up wealth to hand it over to the one who pleases God.    Prov 13:22 A sinner's wealth is stored up for the righteous. Ps 105:44 (God's people) fell heir to what others had toiled for.   

9 – Keeping up with your neighbors

ExperiencingGod’s creative

care

God’s WaysMan’s Ways

Pr 15:16-17 Better a little with the fear of the LORD than great wealth with turmoil. Better a meal of vegetables where there is love than a fattened calf with hatred. 1 Pet 3:7 Husbands... be considerate as you live with your wives, and treat them with respect...so that nothing will hinder your prayers. 

10 - Arguing about $

Agreeing in

prayer

God’s WaysMan’s Ways

Pr 22:26MSG Don't gamble on the pot of gold at the end of the rainbow, hocking your house against a lucky chance. Pr 13:11 Wealth from gambling quickly disappears; wealth from hard work grows. Pr 28:19 He who works his land will have abundant food, but the one who chases fantasies will have his fill of poverty.    

11 – Get rich quick schemes

& gambling

Steady plodding

and hard work

God’s WaysMan’s Ways

Luke 12:15LB “Beware! Don't always be wishing for what you don't have. For real life and real living are not related to how rich we are.”   Mt 6:19-21 "Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal.”

12 – Stuffitis disease

Deaccumulate

God’s WaysMan’s Ways

Pr 14:11 The house of the wicked will be destroyed, but the tent of the upright will flourish. Isa 32:18 My people will live in peaceful dwelling places, in secure homes, in undisturbed places of rest.     Ps 128:3 Your wife shall be contented in your home. And look at all those children! There they sit around the dinner table as vigorous and healthy as young olive trees.

13 – Better

house

Better

home

God’s WaysMan’s Ways

Proverbs 17:18MSG It's stupid to try to get something for nothing, or run up huge bills you can never pay. Pr 22:7 The borrower is servant to the lender. Rom 13:8 Owe no one anything except to love one another.    Ps 37:21 Evil men borrow and "cannot pay it back"!  

14 – Growing indebtedness

Avoid oreliminate

indebtedness

God’s WaysMan’s Ways

1 Tim 6:17 Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God. Rev 3:17-18 (Jesus said) "You say, 'I am rich, with everything I want; I don't need a thing!' And you don't realize that spiritually you are wretched and miserable and poor and blind and naked.”

15 – Put your home in money

Put your hope

in God

God’s WaysMan’s Ways

I Kg 17:13-16 Elijah said to (the starving widow), "Don't be afraid... first make a small cake of bread for me from what you have and bring it to me, and then make something for yourself and your son. Deut 14:23 The purpose of tithing is to teach you always to put God first in your lives.

16 – Rationalize why you can’t

give

Give to

God first

God’s WaysMan’s Ways

Hag 1:5-12 "Give careful thought to your ways...You expected much, but see, it turned out to be little. What you brought home, I blew away.”Mal 3:10 The Lord says: "Bring all the tithes into the storehouse...if you do, I will open up the windows of heaven for you and pour out a blessing... "Try it! Let me prove it to you!"

17 – Give

sporadically Give

faithfully

God’s WaysMan’s Ways

2 Cor 9:7 Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. 2 Cor 8:12 If you are really eager to give, then it isn't important how much you have to give. God wants you to give what you have, not what you haven't.

18 – Give reluctantly

Give cheerfully

(hilariously)

God’s WaysMan’s Ways

2 Cor 8:7 See that you...excel in this grace of giving.   Deut 16:16-17 No man should appear before the LORD empty-handed: Each of you must bring a gift in proportion to the way the LORD your God has blessed you. 1 Cor 16:2 On the first day of the week let every one of you lay something aside, as God has prospered you.

19 – Give

leftovers

Give

proportionately

God’s WaysMan’s Ways

Luke 12:16-21 A rich man's...barns were full to overflowing... He thought about his problem, and finally exclaimed, 'I'll tear down my barns and build bigger ones! Then I'll have room enough'...But God said to him, 'Fool! Tonight you die. Then who will get it all?' "This is how it will be with anyone who stores up things for himself but is not rich toward God.

20 – Live for today

Give foreternity

God’s WaysMan’s Ways

Prov 27:23TLB Riches can disappear fast…Know the state of your flocks and your herds.      Hag 1:5-7 Give careful thought to your ways. You have planted much, but have harvested little. You eat, but never have enough. You drink, but never have your fill. You put on clothes, but are not warm. You earn wages, only to put them in a purse with holes in it."

21-Uncertainabout myfinances

Know well my financial condition

God’s WaysMan’s Ways

Luke 21:1-4NLT While Jesus was in the Temple, he watched the rich people putting their gifts into the collection box. Then a poor widow came by and dropped in two pennies. "I assure you," he said, "this poor widow has given more than all the rest of them. For they have given a tiny part of their surplus, but she, poor as she is, has given everything she has."

22-God doesn’t know or care

about my giving

God sees the

giving that I do

God’s WaysMan’s Ways

Pr 11:24TLB It is possible to give away and become richer! It is also possible to hold on too tightly and lose everything.

Pr 28:27 Whoever gives to the poor will lack nothing. But a curse will come upon those who close their eyes to poverty. Pr 19:17 When you give to the poor, it is like lending to the Lord, and the Lord will pay you back

23-Grasping hands and a

grudging heart

Generous hands and a grateful

heart

God’s WaysMan’s Ways

2 Kings 20:1 "This is what the LORD says: Put your house in order, because you are going to die.” 1 Tim 5:8 If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever.

24 – Ignore the reality of your

mortality

Get your house in order

God’s WaysMan’s Ways

Pr 17:18 CEV It's stupid to guarantee someone else's loan. Pr 11:15NCV Whoever guarantees to pay somebody else's loan will suffer. It is safer to avoid such promises. Pr 22:26 Unless you have the extra cash on hand, don't countersign a note. Why risk everything you own? They'll even take your bed!

25 – Co-Signing Actively avoid

co-signing

God’s WaysMan’s Ways

Pr 21:6 Wealth created by lying is a vanishing mist and a deadly trap. Pr 12:22 The LORD detests lying lips, but he delights in men who are truthful. Pr 12:19-20 Truthful lips endure forever, but a lying tongue lasts only a moment. Pr 6:12-15 Let me describe for you a worthless and a wicked man; first, he is a constant liar…

26-Lying, cheating,

promise breaking

Honesty, integrity,

promise keeping

God’s WaysMan’s Ways

Job 15:34 Fire will consume the tents of those who love bribes. Pr 15:27 Dishonest money brings grief to the whole family, but those who hate bribes will live. Pr 29:4 A just king gives stability to his nation, but one who demands bribes destroys it.

27 – Bribery &

corruption Fear & honor

God

God’s WaysMan’s Ways

Pr 10:4 Lazy hands make a man poor, but diligent hands bring wealth. Pr 10:5MSG Make hay while the sun shines—that's smart; go fishing during harvest—that's stupid. Pr 26:13-16 The lazy man won't go out and work…yet in his own opinion he is smarter than seven wise men. Pr 13:4 Lazy people want much but get little, but those who work hard will prosper.

28 – Lazy

sluggard

Diligent

worker

God’s WaysMan’s Ways

Lev 19:11 Do not steal. Do not lie. Do not deceive one another. Num 5:6-11`When a man or woman wrongs another in any way and so is unfaithful to the LORD, that person is guilty and must confess the sin he has committed. He must make full restitution for his wrong, add one fifth to it and give it all to the person he has wronged.

29 – Stealing Restitution

God’s WaysMan’s Ways

Ps 127:2CEV It is useless to get up early and stay up late in order to earn a living. God takes care of his own, even while they sleep.

Lev 23:3 There are six days when you may work, but the seventh day is a Sabbath of rest, a day of sacred assembly. You are not to do any work; wherever you live, it is a Sabbath to the LORD.

30 – Workalism Rest and

renewal

God’s WaysMan’s Ways

Recommended Resources

andYour 5 Smooth Stones

Crown Financial Ministries10-Week Bible Study

Documented statistics this study helps people:

•Memorize Scripture

•Have Daily Devotions

•Double their giving

•Avoid or Eliminate Debt

•Develop a Budget

God’s WaysMan’s Ways

© Brian Kluth. This PowerPoint presentation is

available for download and use in a local church for

non-commercial purposes for a $25 personal use fee

(or as a part of the $49.95 internet package). Call

Brian at 1-719-930-4000 or email bk@kluth.org to receive

required permission and arrange for your credit card payment

or check payment to:

Brian Kluth

5201 Pinon Valley Road

Colorado Springs, CO 80919

Website: www.kluth.org