Required Reading

Before Day 2 Genesis 41

Memory Verse

The plans of the diligent certainly lead to profit, but anyone who is reckless certainly becomes poor. —Proverbs 21:5 CSB

Other Relevant Scriptures

Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest. —Proverbs 6:6-8 ESV

For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, saying, ‘This man began to build and was not able to finish.’ —Luke 14:28-30 ESV

Without counsel plans fail, but with many advisers they succeed. —Proverbs 15:22 ESV

Know well the condition of your flocks, and give attention to your herds, for riches do not last forever; and does a crown endure to all generations? When the grass is gone and the new growth appears and the vegetation of the mountains is gathered, the lambs will provide your clothing, and the goats the price of a field. There will be enough goats’ milk for your food, for the food of your household and maintenance for your girls. —Proverbs 27:23-27 ESV

Go Deeper

Recommended Video Series
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If Money Talked | Andy Stanley
Faith as Currency in Our Finances | Busola Sodeinde
Rock Solid Finances | Christ’s Church of the Valley
Creating a Spending Plan | Crown Financial Ministries

Additional Resources
1. The Ramsey Show - Podcast
2. Financial Peace University Course
3. Simple Cashflow Budget
4. Dave Ramsey’s Cashflow Budget

Day 1

Keys to Budgeting

Have a

Reveal Answer

The plans of the diligent certainly lead to profit, but anyone who is reckless certainly becomes poor. —Proverbs 21:5 CSB
Be

Reveal Answer

The plans of the diligent certainly lead to profit, but anyone who is reckless certainly becomes poor. —Proverbs 21:5 CSB

Reflection Questions

Think of the last time you made a plan and stuck with it. How did it turn out?
Think of the last time you made a reckless or hasty decision. How did it turn out?
Do you have a plan for your finances? If so, what is it? If not, why not?

Day 2

Scripture Observations

Seek

Reveal Answer

Counsel

When morning came, he was troubled, so he summoned all the magicians of Egypt and all its wise men. Pharaoh told them his dreams, but no one could interpret them for him. —Genesis 41:8 CSB
Then Pharaoh sent for Joseph, and they quickly brought him from the dungeon.[a] He shaved, changed his clothes, and went to Pharaoh. —Genesis 41:14 CSB
Reveal Answer

the Warnings

Then Joseph said to Pharaoh, “Pharaoh’s dreams mean the same thing. God has revealed to Pharaoh what he is about to do. —Genesis 41:25 CSB
Reveal Answer

then Spend

Let Pharaoh do this: Let him appoint overseers over the land and take a fifth of the harvest of the land of Egypt during the seven years of abundance. —Genesis 41:34 CSB

Reflection Questions

Who do you consider the wise counsel in your life as it relates to finances? What have they taught you? What would you still like to learn?
Have you ever experienced a financial famine in your life? Were there warning signs that helped you prepare? If so, what were they?
What would a “GIVE, SAVE, LIVE” budget look like for you? What percentage would you give away? What percentage would you save? What would be left for you to live on?

Day 3

Scripture Observations

Be a

Reveal Answer

, not

Reveal Answer

You will be over my house, and all my people will obey your commands. Only I, as king, will be greater than you.” —Genesis 41:40 CSB
Reveal Answer

to the

Reveal Answer

47 During the seven years of abundance the land produced outstanding harvests. 48 Joseph gathered all the excess food in the land of Egypt during the seven years and put it in the cities. He put the food in every city from the fields around it. 49 So Joseph stored up grain in such abundance—like the sand of the sea—that he stopped measuring it because it was beyond measure. —Genesis 41:47-49 CSB
Leave a

Reveal Answer

Every land came to Joseph in Egypt to buy grain, for the famine was severe in every land. —Genesis 41:57 CSB

Reflection Questions

Does your current budget say that you are an owner or a manager? What is your evidence?
Do you have a hard time sticking to your budget? Why or why not?
Who are you budgeting for? What will your legacy be?

Day 4

Notes from Celeste Wall

If you don’t have a plan, you are planning to fail.

Principles to live by
1. Live within or below your means – Monthly Income-Expenses
2. Pay your tithes-10% of your first fruit – Gross Income
3. Pay yourself – Save 3 months Emergency Fund
4. Pay mortgage, rent, food and utilities

Manage your Debt
1. Save for big ticket items – car, furniture
2. Good debt vs, bad debt
3. Good debt builds credit for car note 3 years
4. Bad Debt – Credit cards not paid off within 30 days
5. Pay more than the minimum balance due
6. Pay off lowest credit card – debt snowball

Just as the rich rule the poor, so the borrower is servant to the lender. —Proverbs 22:7 NLT

Plan for Retirement
1. Employer Match – Free Money
2. Contribute up to the match 4-6% of gross income
3. Save to a Roth IRA for tax-free income at retirement
4. Invest a percentage of your discretionary income
5. Rebalance your investments annually in mutual funds/ETF

Take a lesson from the ants, you lazybones. Learn from their ways and become wise! 7 Though they have no prince governor or ruler to make them work, 8 they labor hard all summer, gathering food for the winter. —Proverbs 6:6-8 NLT

Additional Scriptures to consider

10 Bring all the tithes into the storehouse so there will be enough food in my Temple. If you do,” says the Lord of Heaven’s Armies, “I will open the windows of heaven for you. I will pour out a blessing so great you won’t have enough room to take it in! Try it! Put me to the test! —Malachi 3:10 ESV

18 And Melchizedek, the king of Salem and a priest of God Most High,[a] brought Abram some bread and wine. 19 Melchizedek blessed Abram with this blessing: “Blessed be Abram by God Most High, Creator of heaven and earth.
20 And blessed be God Most High, who has defeated your enemies for you.” Then Abram gave Melchizedek a tenth of all the goods he had recovered. —Genesis 14:18-20 NLT

38 Give, and you will receive. Your gift will return to you in full—pressed down, shaken together to make room for more, running over, and poured into your lap. The amount you give will determine the amount you get back.” —Luke 6:38 NLT