Looking back through the years and remembering how money changed our lives, and why having financial peace can matter. 

interested in purchasing a home soon? Don't get creative with the financing! 25% of your take home pay is the max we recommend for your monthly housing payment - any more, and you could be "house poor"!

Sometimes we have quick things to mention, so we're incorporating some 'shorts' into the podcast.  Enjoy this Short about Fruit!

We thought it was time we went through the babysteps again - it helps us to review them every now and again! 

What are a few tools we STILL use after more than a decade of doing this:
Budget
Spending Money!
Sinking Funds (Different pools of savings for specific ongoing expenses that aren't monthly, or single large purchases)
Net Worth Tracker

I also fixed the boat problem myself, because boat Mechanics are so overbooked right now. It ended up costing only a few hundred versus a few thousand!

More about investing for retirement using Mutual Funds!

Ensure you have enough for later. Save now and invest and it will grow HUGE!

Pulling together really helps. Learn to manage what God has given you - when he gives you more, it WILL be a blessing!

Hate debt. Use that money to build WEALTH!

THIS STUFF IS BIBLICAL:
Proverbs 22:7 - The rich rule over the poor, and the borrower is slave to the lender.

Proverbs 13:11 - Dishonest money dwindles away, but whoever gathers money little by little makes it grow

Proverbs 30:24-25 - Four things on earth are small, yet they are extremely wise: Ants are creatures of little strength, yet they store up their food in the summer

Proverbs 13:22 - Good people leave an inheritance to their grandchildren, but the sinner’s wealth passes to the godly.

Proverbs 21:20 - The wise have wealth and luxury, but fools spend whatever they get.

And about GIVING:
Proverbs 3:9-10 - Honor the LORD from your wealth and from the first of all your produce; So your barns will be filled with plenty and your vats will overflow with new wine.

Malachi 3:10 - Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.

But don't forget about God in all this. It's HIS money, and we're just managers.
Philippians 4:19: And this same God who takes care of me will supply all your needs from his glorious riches, which have been given to us in Christ Jesus.

Debt Snowball Calculator

Get that sinking feeling when an irregular bill comes? Sinking Funds are the answer to expenses that might not come each month. Set aside money to save up for the expense.
Also included in this episode is how we do Christmas!