8 KEYS TO GOD’S SYSTEM OF WEALTH
Researched and Presented by: PETER SAMUEL ANYEBE
God has created a wealth-generating system that cannot fail!
Are you operating in it?
Money answers everything. The first reaction to that statement by many Christians would be to claim that it is carnal, selfish and outside of biblical values. Yet, it is a direct quote of scripture from Ecclesiastes 10:19. Money is an essential thing in this life, so to desire money is not selfish—it’s necessary. Even if all you want to do is walk the streets evangelizing, which doesn’t take a lot of money, you still need provision for food, clothing and shelter. You still need money!
God wants you to have money for three fundamental reasons:
- To fund Kingdom work. To “go into all the world and preach the gospel” takes money!
- To provide well for your own household. That’s your job—not your family’s or the government’s. God has called you to work to provide for yourself.
- To subdue the earth. To have dominion on the earth, we should be controlling most of the resources.
For example, if you don’t like the immorality posted on the billboard outside your office, here is the answer: Own the billboard. If the magazines in the store are offensive: Own the magazines. That’s how you subdue the earth.
Some denominations that claim we should not discuss money are often those whose members also work 80 hours each week to earn every dollar they can. On the other hand, many people in the faith camp are waiting for Clearinghouse to show up on their doorstep rather than focusing on the spiritual role work plays in the manifestation of God’s blessings.
1. God Is Your Sole Source
“And my God shall supply all your needs according to His riches in glory by Christ Jesus.” –Philippians 4:19 (NKJV)
The idea is simple, yet it takes a lot of spiritual work to get to the place where you let God be your sole Source of supply. The Bible says, “If someone won’t work, he shouldn’t eat” (2 Thessalonians 3:10, CJB), and God is the Creator of work. However, He never intended for us to put our faith and hope in our labor alone. He also did not intend for you to turn anything else into your source—not your family, not your credit cards and not the government. He is your Source of supply.
What does He supply?
- Everything you need to thrive
- Power to produce wealth
- Abilities of any kind
- THE BLESSING that produces wealth
Think about it. The Bible does not say God makes you wealthy; it says He will give you the power to produce wealth (Deuteronomy 8:18). That means, He will always give you something to put your hands to, anoint your ability, and bring THE BLESSING on the scene when you are obedient to His commands.
2. Business Is the Only System That Creates Wealth
“Engage in business until I come.” –Luke 19:13 (ESV)
Christians tend to want the wealth transfer, spoken of in Proverbs 13:22, to be an event. But God’s system is an ongoing system—a continual flow of wealth into the hands of the righteous. Business is that system. That doesn’t mean that every person is called to own a business—but each of us will engage in business in one form or another, whether it be at our jobs, in our purchases or with our investments.
Business is the exchange of goods or services for profit or economic gain. When you are employed, you are selling your services. That makes you part of the system. However, don’t discount the idea that you may be called to own or manage a business in some way. As Christians, we are called to take dominion—and business is a powerful place of influence in this world that should be dominated by the righteous.
Another way we participate in God’s system of business is by acting as patrons. When you give your money to a business, you are transferring wealth from the Kingdom of light to whatever that business stands for. And if you own a business, you are bringing money from the sinner into the realm of righteousness.
Then, there is an interaction with a business that each of us has almost every day. The way in which we treat another man’s business (his system of wealth creation) will determine the success you see in your own wealth. Luke 16:12 says, “If you have not been faithful in what is another man’s, who will give you what is your own?” (NKJV).
For example, when you go to a fast-food restaurant, if you take a handful of sauce and then dump most of it in the trash, you are mistreating someone else’s system for creating wealth. When you rent a hotel room or a car, the way you treat what belongs to someone else and their ability to create wealth will impact your ability to receive God’s supernatural intervention in your own efforts to generate wealth.
The more we become faithful in these sorts of things, the more we will prove ourselves worthy of THE BLESSING of the Lord on the work of our hands.
3. All Business Requires Work
“All hard work brings a profit.” –Proverbs 14:23 (NIV)
Work is not a curse, and it isn’t toil. Yet, so often, we hear people complain about their jobs or how much they dread Mondays. That’s because they haven’t had a revelation that their work is more than a paycheck. Work was God’s idea, which means it’s a good idea!
God says He will bless the work of your hands. That means you can expect much more than a natural return on your work. Proverbs 14:23 says, “In all labor there is profit” (NKJV), and you know that He speaks of much more than a natural increase. He says whatever you put your hands to will prosper and succeed, and when your heart is right and you are in obedience, His blessing on your work will send you farther and faster than you could ever go on your own. You’ll find yourself promoted when you weren’t expecting it, given a raise when you might not deserve it, and afforded opportunities most people only dream of.
4. Business Is Our Promised Land and Proving Ground
“God tested Abraham….” –Genesis 22:1 (NKJV)
Abraham was a wealthy man, but it was only through a time of proving and the resulting BLESSING of the Lord that brought him into the Promised Land of prosperity.
Business is to us today what the land was to Abraham—it is our promised land and proving ground. Abraham first proved himself faithful; so also, must we prove faithful in work and business if we want the output (wealth) of work and business. We do this by being:
- Faithful in the little things. Be faithful in how you handle your money, how you treat other businesses, how you live.
- Faithful in where we are now. If you work for a school, focus your efforts on the success of that school. If you work at a restaurant, be dedicated to excellence and being a positive face of that establishment. For in its success, you will find yours.
- Faithful even when working for unjust bosses. Determine to have faithful stewardship on the job, even when you work for someone who isn’t so nice, like Laban. Ten times he changed Jacob’s wages. Even so, Jacob went forward and was a faithful steward of Laban’s farm. Then, when he tried to leave, Laban said, “I’ll pay you whatever you want.” You see, when you do good work, you can name your worth.
- Faithful with another person’s business. When you visit another business as a patron, you are visiting someone else’s wealth-creating system. The way you treat that system will determine your own reward.
When you are faithful in your work, you will enjoy the Bible definition of blessed, which, according to Psalm 1, says that a blessed man is like a tree planted by streams of water, whose leaf does not wither. Everything he does prospers. That’s God’s system—for His people to be planted by a continual flow of everything they need.
5. Wealth Transfers Are Always Work-Related
“A sinner’s wealth is stored up for the righteous.” –Proverbs 13:22 (NIV).
Some Christians are waiting around for a miracle event—for money to simply fall into their laps out of nowhere. But God-ordained wealth transfers are always work-related. Remember the widow in 2 Kings 4:1-7? She was backed in a financial corner with no way out. Her husband had died, leaving her alone with her two sons. She didn’t have money and creditors were banging at her door, threatening to seize her two children and take them as slaves. Her husband had “revered the Lord,” yet this debt was NOT miraculously canceled. Instead, the prophet Elisha provided her something she could put her hands to that would open the door for a supernatural wealth transfer—gathering and filling bottles with oil.
When you have a financial need in your life—don’t expect money to show up on your doorstep. The ability for God to bless you is connected to what you do—your work, whether it be employment or any other work. Expect to put your hands to something. Speak out loud, “Thank You, God, that You will provide me opportunities to put my hands to work so that You may prosper me.”
6. Christians Must Reclaim Their Territory
“The Lord will make you the head and not the tail.” –Deuteronomy 28:13 (NKJV)
Christians seem to have become complacent in the area of taking possession, but the Bible is clear—we are to take territory and have dominion on the earth! That’s why it’s high time we, as believers, start expecting to claim more and more territory. It’s time to repossess the land!
You might be thinking, Well, I’m a schoolteacher. I can’t take any ground beyond my classroom. Whatever your profession, don’t limit yourself! God never stays in the realm of the possible. Begin to pray that God will help you take possession of your land, then watch and see how He moves in miraculous ways in your life. No matter what your profession, there is territory to claim, but it begins with a spirit of expectation and a desire to obey God’s command to subdue the earth.
7. Wealth Transfers Are Everyday Events
“Their leaves never wither.” –Psalm 1:3
Maybe you’ve always thought of wealth transfers as one-time, miraculous events, but in God’s system, wealth transfers are everyday events. Every time money changes hands, there is a transfer of wealth. So, the more Christians position themselves to own and manage businesses, the more money we will see transferred into the Kingdom. Even when you buy stock, you’re getting involved in a business, and you should expect a wealth transfer to come to you! When you invest, declare it! Say, “I claim supernatural wealth transfers for every investment I’m a part of, and I ask You, Lord, to honor and prosper the work of my hands.”
If you’re sitting around waiting for a miracle event—you’re missing it! As Jerry Savelle says, “I would rather walk continuously in supernatural health than ever need miraculous healing.” The same is true of finances. If we walk continuously in a supernatural financial blessing, we will never need a financial miracle. That’s THE BLESSING!
8. Possession of the Land Is Not Optional
“Fill the earth and subdue it; have dominion….” –Genesis 1:28 (NKJV)
This is the first command in the Bible. Take dominion. Possession of the land is not optional, it is not selfish, and it is not a luxury—it’s a command. It’s time that we, as Christians, take our job assignment seriously and become a positive influence on the world, rather than being under the control of those who seek to do evil.
When you put these eight principles to work in your life and begin to see yourself operating in God’s system of wealth, you will move into levels of prosperity you never dreamed possible. It’s time to take possession of the land. Now get after it!
7 Important Financial Tips from the Bible – Verses About Money
Money Tips From the Bible
1. Set Priorities
Proverbs 24:27 – Put your outdoor work in order and get your fields ready; after that, build your house.
This piece of advice from Proverbs seems a little surprising at first. To a modern reader, it’s not clear why planting the field should be a higher priority than building the house, since both appear to be necessities of life rather than luxuries.
However, if you think about it, the answer to the question becomes obvious: Your “field” isn’t just something you need for survival – it’s actually a means of survival. If you’re a farmer, your crops are your source of livelihood. If your field isn’t properly planted and prepared, you won’t have the money you need to build a house or provide for any of your other needs.
Today, few people rely on actual fields for their income. However, we all have certain basic needs that we have to meet in order to survive. And to meet those needs, most of us need some form of gainful employment. What good is a house if you don’t have the means to put food on the table, or pay the rent or mortgage?
So, in modern terms, this proverb means that you need to set priorities with your money. Make sure you save enough to cover the essentials – what you need to keep yourself alive and able to work – before spending money on creature comforts. In other words, set aside money to pay all the bills before you spend any on new clothes.
2. Make a Budget
Luke 14:28-30 – Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, saying, “This person began to build and wasn’t able to finish.”
This Biblical saying is about budgeting. You know you need to cover the cost of necessities first – but those costs don’t always come up right away, so you need to plan for them or make a budget. Some major expenses, such as rent payments, only come due once per month. Others, like home insurance premiums, only come due once annually. Planning ahead and saving for those intermittent (but known) expenses is a key component of budgeting.
By sitting down with a pen and paper – or a computer and budgeting software, such as Mint – you can figure out exactly which expenses you have to cover – not just in the immediate future, but over the long term. Then you can determine how much money you need to set aside to cover all your financial needs, from paying your weekly grocery bill, to financing your retirement years down the line. That way, you can make sure your “tower” – your personal finances – can be completed, from bottom to top.
3. Build an Emergency Fund
Genesis 41:34-36 – Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance. They should collect all the food of these good years that are coming and store up the grain under the authority of Pharaoh, to be kept in the cities for food. This food should be held in reserve for the country, to be used during the seven years of famine that will come upon Egypt, so that the country may not be ruined by the famine.
In this passage from Genesis, Joseph interprets a dream the Pharaoh has had about seven fat cows grazing by a river that get swallowed up by seven skinny cows. Joseph concludes that the seven fat cows in the dream represent seven years of prosperity for Egypt, which will be followed by seven years of famine. To plan ahead for this disaster, Joseph advises the Pharaoh to store up grain during the seven good years and use that stored grain to get the country through the seven hard years to follow.
No matter whether you believe Joseph had a divine gift for interpreting dreams, there’s no denying that the advice he gives the Pharaoh is fundamentally sound. It always makes sense to save resources in good times so you have them to help you get through lean times. In modern-day America, “lean” years are less likely to be a literal famine than some sort of financial crisis, such as a job loss or a health problem that saddles you with hefty medical bills. Regardless, Joseph’s basic strategy – setting aside money for future emergencies – still holds true.
Of course, present-day financial experts tend to modify Joseph’s advice a little bit. Instead of storing up cash for seven years, they say you should set aside roughly six months’ worth of living expenses in an emergency fund (more if you’re self-employed or have a fluctuating income). And since you can’t predict exactly when a financial crisis will hit the way Joseph could, this money should be kept in cash or safe investments that should hold their value, so your money is there to draw on whenever you happen to need it.
4. Avoid Debt
Proverbs 22:7 – The rich rule over the poor, and the borrower is slave to the lender.
This proverb takes no skill to interpret. It describes debt as a kind of slavery – and modern Americans appear to agree. A survey by the Pew Charitable Trusts found that for many Americans, debt is a condition that lasts a lifetime and is impossible to escape.
The survey found that 80% of all Americans are in debt, and a majority of the oldest Americans are still carrying some form of debt in retirement. And 70% of those surveyed said debt was a necessity in their lives – something they didn’t want, but still couldn’t imagine living without.
All that debt takes a toll on those who carry it, both mentally and physically. A 2014 article in Health reports that high levels of debt are associated with anxiety, depression, and relationship problems. Debt can also be linked to high blood pressure, lowered immunity, and a host of physical symptoms, including headaches, back pain, and ulcers.
However, the Pew survey also found some signs that Americans’ attitudes toward debt are changing. Younger Americans – those in the Millennial generation – are more likely to take a negative view of debt, saying it has burdened them rather than expanded their opportunities. They’re also more inclined to say the way Americans use debt is irresponsible. And in their own lives, they’re less likely to take on new debt, such as credit card debt or mortgages.
These young Americans, it appears, have taken the Bible’s advice about debt to heart. They view debt as a type of enslavement, and they want to avoid new debt and pay off the debts they already owe.
5. Diversify Your Investments
Ecclesiastes 11:2 – Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.
This line from Ecclesiastes is a short, clear explanation of why it makes sense to diversify your investments. Nearly any type of investment can fall victim to “evil” of some sort, whether it’s a plague of locusts that wipes out a grain crop, or a market crash that reduces the value of stocks or real estate. So it makes sense to put money into many different types of investments so that a single disaster can’t cost you everything you have.
For instance, if you were a merchant in Biblical times, hoping to make money by trading cloth or spices with neighboring countries, it wouldn’t make sense to load all your cargo onto a single ship. If that one ship sank, you’d lose everything you had in one blow. However, if you divided up your cargo among seven or eight ships, all headed along different routes, the chances that all of them would sink would be very low. So even if you lost one or two ships, you could still hope to earn enough from the others to make a profit.
It’s a basic principle of investing that the more you diversify, the more you reduce your risk. Investing in 100 different stocks – for instance, by buying shares in an index fund – is far safer than investing in just a single stock.
Admittedly, there are some who argue that diversification is a myth. Their claim is that you can earn a much better return by putting all your eggs in one basket – as long as it’s the right basket. However, it takes a true genius to figure out which basket is the right one, and investors who try it are far more likely to end up losing their shirts than becoming millionaires overnight. For the ordinary investor, diversifying to reduce risk is a much safer and sounder plan.
6. Reduce Risk as You Age
Ecclesiastes 5:13-14 – I have seen a grievous evil under the sun: wealth hoarded to the harm of its owners, or wealth lost through some misfortune, so that when they have children there is nothing left for them to inherit.
In this story from Ecclesiastes, a father loses everything on a bad investment and has nothing to leave to his son. This is unfortunate for the son, but in the modern world, it could be a disaster for the father as well. That’s because his bad business venture wouldn’t just wipe out his son’s inheritance – it could wipe out his own retirement savings as well.
People today live longer than ever before. According to data from the National Institute on Aging, the average life expectancy in many developed countries is more than 80 years, and about 12% of the population is over 85 years of age. This number is expected to grow dramatically over the next few decades.
Because people are living longer, they’re also spending more years in retirement. Today’s 65-year-old retirees could easily need their retirement savings to last them 20 years or even longer. So if you speculate with your income when you’re in your 60s, it’s not just your kids’ inheritance you’re putting at risk – it’s the money you need to live on for the next 10, 20, or even 30 years. If you lose a big chunk of your nest egg, you could end up having to put off your retirement because you don’t have enough savings to support yourself.
If you want to be sure you have enough to retire on – and, ideally, something to leave to your kids when you’re gone – you need to reduce your investment risk as you age. As you approach retirement age, you should gradually move your money out of high-risk investments, such as stocks, and into lower-risk investments like bonds and annuities that can give you a modest, steady income.
You can still leave some of your money in the stock market – in fact, you probably need to in order to earn enough to support yourself through decades of retirement. However, at least a good chunk of your nest egg needs to stay protected from market risk so you always have something to draw on for your income.
7. Make a Financial Plan
Proverbs 21:5 – The plans of the diligent lead to profit as surely as haste leads to poverty.
This final rule from Proverbs more or less sums up all the others. Budgeting, planning for retirement, saving for emergencies – they’re all different ways of being diligent by planning ahead.
Making a financial plan is a three-step process:
- Identify Your Goals. It’s much easier to convince yourself to save and invest when you have a clear sense of what you’re saving for. Depending on where you are in life, your financial goals could include buying your first home, financing your kids’ college education, or investing for retirement. Write down your personal goals, and go back to them from time to time to see if they’ve changed.
- Evaluate Your Situation. Next, figure out what your current financial situation is. This is a step you can take on your own or with help from an accountant or financial advisor. Determine your current net worth, how much you’re earning, how much you’re spending, and what kind of return you’re currently getting on your investments.
- List Steps to Take. Now that you know both where you are and where you want to go, all you have to do is figure out what steps you need to take to get from point A to point B.
Without a financial plan, it’s easy to drift through life, earning and spending money with no real thought for the future. Writing out a financial plan, and checking it every few months to see whether you’re on track, helps ensure that you know what you want out of life and are on a path to get it.
If you’re a Bible scholar, you’ve surely noticed by now that many Bible verses about money weren’t covered in this list. For instance, it doesn’t include “Do not wear yourself out to get rich; do not trust your own cleverness. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle.” (Proverbs 23:4-5) or the single most famous Bible verse relating to money, “For 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.” (1 Timothy 6:10).
At first glance, this seems contradictory. Some parts of the Bible are talking about how to take care of your money, while others appear to suggest that it’s a mistake to care about money at all. However, when you look at all these different verses side by side, you begin to get a more balanced picture. The overall message the Bible sends about money isn’t that money itself is bad – it’s just that it isn’t the most important thing in life.
When used wisely – to support yourself, care for your family, and help those in need – money is a useful tool. However, you should control your money – you shouldn’t let it control you. Rather than obsessing about how much money you have and how you can make more, take some time to be grateful for what you already have. That’s a bit of Biblical wisdom that can benefit even the most experienced investor.