Money Strategy With Kingdom Values: Prosper in the Kingdom

In this powerful Christmas Eve episode of Prosper in the Kingdom, Jon and Wendy introduce a transformative concept for kingdom-minded entrepreneurs and believers seeking financial freedom: the 3M Wealth Framework — Make, Manage, Multiply.

You’ll discover how this simple, biblical money strategy restores order to your finances and empowers you to move from financial frustration to peace, progress, and purpose. The episode debunks traditional financial strategies that overlook holistic stewardship and provides a practical roadmap rooted in kingdom values and biblical money management.

“God is a God of order. And for us to be good stewards, we must have order with our money.” – Wendy Lee

Whether you're navigating financial struggles, trying to find margin, or aiming to multiply wealth without market risk, this episode equips you with clarity and confidence to start building wealth God’s way.

1. Why most financial plans fail without proper money strategy
2. How to stop wasting energy on reactive decisions and start creating financial values based on clarity
3. The three foundational principles of the 3M Framework:
4. Make: Understand and increase your cash flow
5. Manage: Build margin and stewardship discipline
6. Multiply: Protect, grow, and invest with purpose
7. How to align your income with kingdom values wealth and prepare for a legacy of Christian financial strategy
8. Why simplicity and structure unlock momentum (and reduce stress)
9. Real-life client breakthroughs and biblical insights including Proverbs 22:7 and Luke 14:28

1. Financial success requires order. Clarity precedes breakthrough. You must make, manage, and multiply in tandem—not sequentially.
2. Margin enables movement. You can’t manage or multiply what doesn’t exist.
3. Multiplication requires stewardship. True growth comes after discipline—not before.
4. Christian values young adults and seasoned professionals alike can benefit from this framework.

1. kingdom values
2. christian financial strategy
3. money strategy
4. financial values
5. biblical money management
6. financial strategist
7. overcoming financial struggles
8. christian financial strategies
9. money values
10. value for money

Ready to bring order to your finances?

Get your free financial roadmap at SafeMoneyRoadmap.com and take the first step toward kingdom-impact money strategy.

Share this episode with someone navigating financial struggles or trying to get their money aligned with their mission.

1. ProsperInTheKingdom.com
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1. Proverbs 22:7 — "The borrower is slave to the lender."
2. Luke 14:28 — "Who builds without first counting the cost?"
3. Psalm 112:3 — "Wealth and riches are in his house..."
4. Deuteronomy 8:18 — "God gives you the power to get wealth."

Are you ready to break free from the cycle of financial frustration and finally align your money with your mission? In this powerful year-end episode, John and Wendy unpack the 3M Wealth Framework—Make, Manage, Multiply—and walk you through three money moves that can radically shift your financial trajectory in 2026.

Whether you're living paycheck to paycheck or just not where you thought you'd be, this episode is your practical and faith-based roadmap to stop drifting and start prospering in the Kingdom. You’ll also hear raw, truth-filled encouragement on stewardship, biblical money management, and how to overcome financial struggles through intentional strategy.

You don’t have to be perfect. It’s about having clarity, momentum, and obedience.

• Why most financial goals fail and how to create kingdom-impact money strategy that lasts
• How to create margin by generating an extra $500–$1000/month (without sketchy side hustles)
• The secret to managing money without upgrading your lifestyle
• How debt quietly steals your future and generosity—and how to fight back biblically
• Ways to multiply your money through intentional wealth-building strategies
• The power of Christian financial strategy rooted in Proverbs 21:5 and Deuteronomy 8:18
• Why “good enough” is the enemy of God-given calling and purpose
• How to step into 2026 with a real plan—personally and professionally

• Proverbs 21:5 – “The plans of the diligent lead surely to abundance…”
• Proverbs 22:7 – “The borrower is slave to the lender.”
• Deuteronomy 8:18 – “God gives you the power to get wealth.”
• Ephesians 5:16 – “Redeem the time, for the days are evil.”

1. Make – Identify practical ways to increase income through side businesses or value-aligned opportunities.
2. Manage – Build a simple spending plan and eliminate high-interest debt to regain peace and purpose.
3. Multiply – Start investing intentionally with long-term, biblically-sound financial strategies.

🎯 Get your free financial roadmap: SafeMoneyRoadmap.com

📝 Join our book club or learn about the 3M Coaching Framework

🎧 Listen to related episodes on Christian financial strategies, value for money, and overcoming money fear

If this episode blessed you, share it with a friend who’s ready to steward their money with kingdom purpose.

Don’t forget to like, subscribe, and leave a review—every share helps grow this community of faith-driven entrepreneurs and purpose-led leaders.

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Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

In this high-impact episode, Wendy Lee is joined by special guest Max Cleaver, a 25-year-old Gen Z entrepreneur and financial planner, to expose the top 5 money myths that are keeping young adults broke, frustrated, and stuck in survival mode. Together, they unpack common cultural lies around credit cards, lifestyle creep, and homeownership—and replace them with faith-filled truths, biblical principles, and practical tools for financial freedom.

Whether you're Gen Z, a parent, or just someone who wishes you’d known better sooner, this episode will challenge your mindset and equip you with timeless financial wisdom to build lasting wealth.

• The myth of lifestyle creep: Why earning more shouldn’t mean spending more—and how to use your income to build future assets instead.
• The truth about credit cards: Why even well-meaning “points chasers” often fall into debt traps and how to avoid the cycle.
• Debt ≠ Irresponsibility: Rising costs of living, tuition, and rent don’t define your character—and how to break free from shame and take control.
• Homeownership isn’t out of reach: Creative strategies to own property in your 20s or 30s (even with modest income).
• Why “figuring it out later” is costing you now: The irreplaceable advantage of starting young and the power of getting a financial roadmap early.

• Stewardship over shame: God calls us to be wise stewards—not to be ruled by regret.
• Discipline over lifestyle: Wealth comes by living below your means, not upgrading every paycheck.
• Start early, sow faithfully: “Whoever gathers little by little will increase it” (Proverbs 13:11).
• Time is your greatest asset: What you do now determines your future freedom.
• Wisdom brings confidence: “Plans fail for lack of counsel, but with many advisers they succeed” (Proverbs 15:22).

• Free Financial Plan: Ready to create a roadmap for your finances? Visit SafeMoneyRoadmap.com to request your free personalized plan.
• Recommended Reading: T. Harv Eker’s “Secrets of the Millionaire Mind” (referenced in episode—re: the money jars system).

“Start young. Be cool by getting your money right early—before you have to fix it later.” – Max Cleaver

 If you’re in your 20s or 30s and feeling behind financially, don’t wait to ‘figure it out.’ Get ahead by getting wise.

Share this episode with a young adult you care about—and help them build wealth with purpose.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time. 

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Jon - https://www.instagram.com/joncleaverofficial/

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⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

Most families spend a lifetime building wealth—but never protect it. In this powerful episode of Prosper in the Kingdom, Jon and Wendy expose the one financial move that can make or break your legacy: estate planning. From wills and trusts to power of attorney and biblical stewardship, this conversation blends practical legal insight with Kingdom principles to help you build multi-generational wealth—God’s way.

If you’ve ever thought estate planning was just for the ultra-wealthy, think again. Whether you have a home, car, bank account—or just a heart to leave a legacy—this episode is for you.

In This Episode, You’ll Learn:

• Why estate planning is a Kingdom wealth move, not just a legal task
• The 4 documents every adult needs (regardless of income or age)
• How a family trust protects your legacy from probate and predators
• What the Bible really says about inheritance (Proverbs 13:22)
• Why Christians must think multi-generational in their finances
• How to protect your children—biological or spiritual—when you’re gone
• The biblical connection between order, wisdom, and legacy
• What wealthy families know about generational wealth that most Christians ignore
• Cost-effective ways to set up your estate plan—without breaking the bank
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Kingdom Takeaways:

• “If you have a bank account, a car, or a pet—you already have an estate.”
• “A will guarantees probate. A trust guarantees peace.”
• “God is a God of blessing—but also of order.”
• “The enemy doesn’t have to steal your wealth—he just has to confuse your family.”
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Scripture Referenced:

• Proverbs 13:22 – A good man leaves an inheritance to his children's children
• Deuteronomy 8:18 – God gives you the power to get wealth
• 1 Corinthians 14:40 – Let all things be done decently and in order
• 
  

Free Resources Mentioned:

• ✅ Get help with estate planning: ProsperInTheKingdom.com → Click “Legacy Planning”
• ✅ Download your free Kingdom financial plan: SafeMoneyRoadmap.com
• ✅ Book mentioned: What Would the Rockefellers Do?
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Next Step Challenge:

Take action today: Set up your power of attorney and living will. Talk to your family. Schedule a consult. Don’t wait for a crisis—lead with wisdom. Legacy starts with preparation.

Subscribe & Share the Kingdom Message:

Was this episode a wake-up call? Then it’s your turn to pass it on.

Share it with your small group, your family, or someone who hasn’t started their estate plan yet. Subscribe and review on Apple, Spotify, or YouTube to help spread Kingdom principles to families across the globe.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time. 

Join our Facebook Group⁠ for exclusive financial tips

⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

In this episode of Prosper in the Kingdom, Jon and Wendy unpack a faith-fueled money strategy designed to unlock financial growth through biblical obedience. If you’ve been praying for financial breakthrough but not seeing results, this message is your wake-up call.

God’s blessings require your movement, and this episode explores how aligning your faith with action sets the stage for abundance in both your personal finances and your Kingdom impact. Whether you're building a business, stewarding your family finances, or trying to get unstuck, you'll walk away with a biblical money strategy you can apply immediately.

• Why faith without action isn’t a money strategy—it’s a delay (James 2:17)
• How the parable of the talents reveals God's expectation for financial stewardship
• What Peter's obedience in Luke 5 teaches about miraculous financial return
• The boy with the loaves: how small sacrifices fuel supernatural abundance
• Why your Kingdom calling is tied to your money habits
• How to identify and activate the money strategy God has already placed in your hands
• The mindset shift from “God owns 10%” to “God owns it all”

1. Assess what God has already given you (skills, time, ideas, resources).
2. Apply it — start small, but start. You can’t multiply what you never move.
3. Align your money strategy with Kingdom values: generosity, stewardship, obedience.
4. Access tools to help you grow: courses, mentorship, and community support.

“A Kingdom money strategy begins with stewardship and is fueled by obedience. You don’t wait for overflow—you move toward it.” — Jon Cleaver

• Safe Money Roadmap – Get Your Free Financial Plan
• 3M Wealth Framework – Earn & Learn Model with Master Resell Rights
• Work with PITK – Coaching & Kingdom Income Opportunities

If this message shifted your mindset or inspired action, please:

→ Like, review, and subscribe

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Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time. 

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⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

Are you building someone else’s dream at the cost of your own freedom? In this eye-opening episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee uncover the financial and spiritual traps hidden in the traditional W-2 job model—and how to break free God’s way.

If you’ve ever felt stuck in the cycle of working hard, paying bills, and wondering if there’s more to life, this conversation is for you. Jon and Wendy share their own journey out of the “cubicle farm” and into Kingdom-purpose entrepreneurship, providing practical steps and biblical insight for building real, sustainable wealth.

• Why W-2 income is the most taxed and least leveraged form of income
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• How the Cashflow Quadrant reveals the difference between job security and financial freedom
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• The hidden cost of lifestyle creep and false security in salaried positions
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• The power of duplication through systems, people, and passive income streams
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• Why network marketing and low-barrier business models can be wise, biblical vehicles for wealth
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• How to launch a side hustle without quitting your day job
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• The role of faith, stewardship, and calling in true prosperity
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• Deuteronomy 8:18 – “God gives you the power to get wealth…”
• 
  
• Hosea 4:6 – “My people are destroyed for lack of knowledge.”
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• Matthew 25:14–30 – The Parable of the Talents: God rewards multiplication, not comfort
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If you’re only earning through your own effort and time, you’re not building freedom—you’re selling your time two weeks at a time. God created you for more than survival. He calls you to be a wise steward, to multiply what He’s given you, and to live in freedom that allows you to bless others.

• Keep your job—for now. But treat your side hustle like your freedom plan.
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• Find mentors. Seek those who’ve succeeded in faith-driven business.
• 
  
• Leverage systems. Don’t reinvent the wheel—plug into one that works.
• 
  
• Invest the surplus. Don’t eat the seed—sow it for growth.
• 
  
• Stay anchored in faith. Wealth is a tool for stewardship, not status.
• 
  

• 3M Wealth Academy – Learn a proven system to multiply money with purpose
• 
  
• Free Financial Plan – Visit SafeMoneyRoadmap.com
• 
  
• Money Split System – Watch our free YouTube video to learn how to manage income
• 
  
• Want help choosing a side hustle? Message us for our personally vetted opportunities
• 
  

“The real fear isn’t failure—it’s responsibility. But that responsibility unlocks something far more powerful than money: freedom.”

Enjoying Prosper in the Kingdom?

Don’t forget to subscribe, rate, and share this episode with someone ready to stop surviving and start building. Head to ProsperInTheKingdom.com for more tools, teachings, and testimonies.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time. 

Join our Facebook Group⁠ for exclusive financial tips

⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

What do you do when your business breaks down—and your confidence breaks with it? In this episode of Prosper in the Kingdom, John and Wendy pull back the curtain on some of their hardest seasons as Christian entrepreneurs.

From unexpected tax bills to broken business partnerships, they share raw stories, honest lessons, and the biblical money management principles that helped them start again. If you've ever felt disqualified by financial struggles or unsure how to move forward, this episode will remind you that your calling is still intact—and that rebuilding is possible with wisdom, strategy, and support.

This is a must-listen for anyone serious about aligning their money strategy and purpose with kingdom values.

00:00 – Introduction

Starting over isn’t failure—it’s part of the journey. John and Wendy set the stage for a candid discussion around breakdowns and breakthroughs in business.

03:00 – The Reality of Christian Entrepreneurship

Why "faith + grit" is essential for any financial strategist or solopreneur walking out a calling in the marketplace.

06:40 – John’s Story: When Business Goes Sideways

How a thriving mortgage company, a trusted friend, and a missed legal detail created a $46,000 problem—and what he learned about partnership, contracts, and stewardship.

12:57 – Wendy’s Story: From Success to Stress

Wendy shares how earning five figures a month in network marketing didn't shield her from poor money values. A surprise $55k tax bill nearly took her out, until God re-centered her perspective around biblical money management.

16:40 – Turning Financial Struggles into Strategy

They unpack the shift from ownership to stewardship—and why that shift changes everything when it comes to money strategy, accountability, and peace.

19:53 – Why You Haven’t Failed Until You Quit

No one builds a legacy without scars. This conversation redefines failure and encourages listeners to see their setbacks as setup for something greater.

22:45 – How Your Breakdown Becomes Your Mission

Wendy now helps other entrepreneurs overcome financial struggles—and shows them how to multiply not just income, but impact.

27:30 – Know What You’re Good At—and What You’re Not

Whether you’re a visionary or an operations-minded financial strategist, you need the right people around you. Don’t go it alone.

28:38 – Final Thoughts + How to Get Help

You don’t have to rebuild by yourself. Learn about coaching, our entrepreneur community, and what it looks like to walk in financial values that align with your calling.

• Failure isn’t the end. It’s a lesson, a pivot, and sometimes the doorway into your deeper calling.
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• You need a money team. From bookkeepers to business coaches, don't try to carry everything alone.
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• God is after your growth. He doesn’t waste your mistakes. He redeems them.
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• Biblical stewardship is the difference-maker. Once you shift from "mine" to "His," your financial strategy gets clearer and more fruitful.
• 
  

Want support to rebuild wisely—and with kingdom strategy? Join the PITK Wealth Builder Community (launching early 2026) where we walk alongside entrepreneurs ready to align their business with purpose, peace, and profitability.

Coaching & Community Info

➡️ ProsperInTheKingdom.com

• Romans 5:3–4 – Perseverance through trials
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• Ephesians 5:16 – Redeem the time
• 
  
• Deuteronomy 8:18 – God gives power to get wealth
• 
  

If this episode gave you clarity, courage, or comfort—share it with another entrepreneur who needs it.

Subscribe + Leave a Review wherever you listen, and help us reach more kingdom-minded leaders.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time. 

Join our Facebook Group⁠ for exclusive financial tips

⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session: https://www.safemoneyroadmap.com

Download Wendy’s Trello MLM Starter Course here:

https://trelloschoolwithwendy.thinkific.com/courses/trello-mlm-starter

The financial landscape is shifting faster than most people realize. In this episode of Prosper in the Kingdom, financial strategists Jon Cleaver and Wendy Lee unpack three major forces transforming the economy right now: the decline of fiat currency, the rising cost of living, and the rapid acceleration of AI in the workforce.

Through practical Christian money management guidance and grounded financial strategy, you will learn how to prepare for what is coming rather than reacting to it later. Jon and Wendy share how to steward resources wisely, reduce financial vulnerability, eliminate debt, and build strong money management strategies that reflect your faith and financial values.

This conversation offers clarity on how believers can respond to economic uncertainty with wisdom, multiple income streams, smart financial management, and proactive planning. It is a wake-up call to take responsibility for your future and begin a true money transformation aligned with Kingdom purpose.

Topics Covered

• The transition from fiat currency to digital assets
• Inflation, cost of living, and the middle-class squeeze
• How AI is reshaping careers, income, and opportunity
• Biblical stewardship versus dependence on the system
• Building resilience through diversified income
• Financial strategies that support long-term stability
• Strengthening your future through intentional financial management
• 
  

If you want your finances to be prepared for the years ahead — and aligned with God’s direction for your life — this episode will equip you to make wise, confident choices today.

Too many believers equate meekness with silence, passivity, or surrender. But in this power-packed episode of Prosper in the Kingdom, Jon Cleaver and Wendy Lee uncover the biblical truth behind Matthew 5:5—and why “meek” is not weak.

As faith-driven leaders and kingdom entrepreneurs, we are called to walk in strength, discipline, and truth. This episode breaks down how Christian money management, spiritual boldness, and financial values intersect with God’s calling for believers to stand firm—not fold—in today’s culture.

• The real meaning of “the meek shall inherit the earth”
• Why meekness is power under control, not weakness
• How to live out your financial strategy with conviction and clarity
• Biblical money strategies that align with your faith and calling
• How to reclaim lost ground in your spiritual and financial life
• Practical ways to put on the full armor of God every day
• How to lead boldly without compromising your beliefs

• Matthew 5:5 – The meek shall inherit the earth
• Ephesians 6:11 – Put on the full armor of God
• 2 Timothy 1:7 – Power, love, and self-control
• John 8:11 – Go and sin no more

This episode isn’t just about mindset—it’s about movement. Whether you're a Christian financial strategist, a faith-based entrepreneur, or simply looking to align your money strategy with biblical principles, this conversation will equip you with the tools to:

• Rebuild your foundation on God’s financial values
• Integrate your money management strategies with your spiritual walk
• Embrace your identity as a financial leader in the Kingdom
• Develop a faith-based financial strategy that leads to freedom, not fear

1. Know the Word – Build your spiritual and financial life on biblical truth
2. Live Boldly, Speak Wisely – Let your faith show through action
3. Equip Yourself – Use the full armor of God and wise stewardship
4. Stand in Unity – Connect with other believers who share your values

Resources:

• Financial Clarity Tool:⁠ SafeMoneyRoadmap.com⁠
• More at:⁠ ProsperInTheKingdom.com

Subscribe, rate, and share this episode of Prosper in the Kingdom. Help us equip more believers to walk boldly in their calling—without compromise.

Join the Conversation:Have you felt spiritually distracted lately? What’s been pulling your focus off the mission? Share your story in the comments or tag us on social with your thoughts. Let’s grow together.

Stay Equipped for Purpose-Aligned Prosperity:Visit:⁠ ProsperInTheKingdom.com

Divorce is a life-altering event—emotionally and financially. In this candid and practical episode, Jon Cleaver and Wendy Lee open up about their personal experiences with divorce while offering faith-driven financial strategies to help you protect what matters most and rebuild your life with wisdom and purpose.

Whether you're in the early stages of separation or navigating life post-divorce, this episode provides a clear, compassionate roadmap to help you stabilize, strategize, and step into your next season with confidence.

• How to protect your financial future before, during, and after divorce
• The most common financial mistakes people make during separation—and how to avoid them
• Why emotional decisions can cost you financially (and how to stay clear-headed)
• Key documents to gather now: assets, debts, tax returns, credit reports, and more
• What you must know about joint credit cards, 401(k) splits, insurance, and taxes
• How to start over: budgeting, credit repair, emergency funds, and retirement planning
• The power of estate planning and updating your will, beneficiaries, and accounts
• A biblical perspective on healing and stewardship after divorce
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This episode is grounded in biblical values without offering moral judgment. As Jon and Wendy explain, this isn’t about endorsing divorce—it’s about helping those walking through it steward their finances with wisdom, courage, and grace. You can’t rewrite the past, but you can rebuild a better future.

💼 Free Financial Planning Consultation:

Need a plan for your financial reset?

Visit SafeMoneyRoadmap.com for a free financial strategy session.

📅 Upcoming Divorce & Finance Workshop:

Dollars & Divorce – a live Zoom event offering deeper insights into managing money through divorce

Next session: Check ProsperInTheKingdom.com for dates and registration

• Divorce budgeting & financial inventory
• Joint accounts & credit protection
• Tax planning & alimony impact
• Insurance changes & life policies
• Beneficiaries, wills & estate updates
• Emergency fund rebuilding
• Working with Christian financial advisors
• Emotional healing & mindset reset
• 
  

“Divorce is a financial earthquake—but it doesn’t have to destroy your future.”

“You can’t protect what you can’t see. Take inventory. Get it all on the table.”

“Every dollar you manage from here is part of your comeback story.”

“You can either come out of this bitter—or better.”