Dr. Merritt emphasizes that money is not just a financial issue but a spiritual one, directly connected to our relationship with God. He teaches that the way we earn, spend, save, and give reveals the condition of our heart. Drawing from biblical principles, he challenges believers to:

1. Recognize God as the Owner – Everything we have belongs to God. We are stewards, not owners.
2. Tithe Faithfully – Giving the first 10% back to God is a sign of trust and obedience.
3. Avoid Debt – Scripture warns about the dangers of debt. We should strive to live within our means.
4. Budget Wisely – Planning and discipline reflect godly wisdom.
5. Be Generous – Blessing others is part of God’s plan for our resources.

He reminds us that you don’t master money by hoarding it, but by honoring God with it. True financial freedom starts when we put God first and allow Him to direct our financial decisions.