Prosper With Money

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Last night my wife and I were reading our devotionals together and the topic was forgiveness. While both of us have a lot to learn in this area, I wanted to take a few minutes and discuss what forgiveness means when it comes to financial infidelity. Financial infidelity seems to growing as my counselors and I are dealing more and more with one spouse hiding money or debt from the other spouse. As I have been studying financial infidelity, it have become clear that it is not a male or female dominate problem, but seems to happen to either sex just as often.

Let me first give you the typically case that I work with. One spouse is the keeper of the household books and the other spouse just is not involved in any financial decisions. One or both of the household income becomes reduced (layoff, pay cut, no bonus, commissions are down) and the other spouse who handles the household finances feels to ashamed to cut life style or feels that they have been left on their own to deal with the problem. When this happens, it usually leads to credit card debt or hiding of money for a “rainy day”. Something comes up (usually an emergency) and when there is no money to pay for something the spouse who has been hiding the debt has to come clean.

I know that once both spouses have found out about the problem, most if the time they are ready to tackle to problem head on but there is always some hurt due to not having a spouse helping together with the money, or one spouse racking up credit card debt and the other spouse not having clue.

Just like with any other issue that you would deal with in marriage communication is the key. Financial infidelity is almost always caused by lack of communication and could have been avoided completely is both spouse were on the same page. Do not be afraid to talk to you spouse about money, if they will not listen than at least you have done all that you can. Remember, in the first 7 years of marriage the number one cause of divorce is money fights and money problems. Do not let financial infidelity take your marriage. As hard is it to admit that both spouses are at fault, forgiveness needs to happen from both spouses. Talk to your spouse today about your finances so that you can take control of your finances and work together as a team!

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What keeps you motivated to get out of bed every morning? What keeps you motivated to work like no one else at your job? What keeps you motivated to love your wife and children unselfishly? Lately, I have been looking at these three questions in my life.  I find that the easy answer for me is God but as I look deeper at my motivations, God is certainly the biggest motivating factor, there are other things in my life that push me to be and do better things. The first is the love of my wife. My wife Kristyn, is awesome. She is kind, loving and always looking out for the best for our marriage. We have our disagreements just like everyone else but day in and day out she is my rock and will always be my rock. The next motivation for me is my kids. Seeing the three of them gets me into work some days when it is sunny and 80 degrees. Knowing that there is work to be done to put food on the table so that they can grow up without and needs (notice I said need, they will always have wants).  The last motivating factor is the “I” factor. If I want to succeed, then work needs to completed. If I want more business then work needs to be completed. If I want to take my family on vacation the I have work do. I do not depend on the government or other agencies to provide for me and my family. My family and I work hard for what we have and if we are going to succeed materially in this word we will continue to work hard and not depend on anyone else to do the work for us. So, after my little speech what is your motivation?

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Expert Advice, Reliable Service
You’ll be amazed by the level of advice and customer service our Endorsed Providers (EPs) provide to our clients. But don’t take our word for it, give them a call and find out for your self.

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Your information is protected and is never sold to anyone outside the EP program. Every person who uses an EP can grade their EP’s performance. Each EP goes through a quarterly performance review.

Educate Yourself
Ryan’s and RKL Financial’s endorsement is never bought—it’s earned. To find the answers to all your questions about the program give Ryan a call at 877-58-PEACE or send him an email at RLoos@RKLFinancial.com.
Why Use an EP?
We’ve made sure our EPs really do have the heart of a teacher and provide top-notch customer service. Our Ep’s are background checked, reference checked (professionally, personally and with current and former clients), we also talk to their pastors and family to make sure that they are actively involved in their church. Also, they must believe and practice the same biblical based finance that we teach and that aligns with Dave Ramsey’s Financial Peace University Program.

We have EP’s for the following categories:

• Investing – Invest the Dave Ramsey way with the best tax savings!
• Real Estate – Buy or Sell your home faster and save money on the commission!
• Life Insurance – Get a fair price on good term life insurance.
• Home, Auto and Commercial Insurance – Be prepared for the unexpected
• Accounting & Tax Preparation – Help your business prosper and get as much back from the government as you can!
• Attorney – Everyone needs a great attorney.
• Payroll Processing – Save money and work with a great payroll company.
• Mortgage Broker – get the best rates and the best mortgage for your situation.
• Merchant Services – We Don’t Like Credit Cards but we know that most business take’em, at least get the best deal!

Become an EP
We’re always looking for the best people who think like Ryan to help severe our clients. If you are interested in becoming a part of our EP program please send us an email with your questions and contact information.

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One of my brother’s is competing in the St.Croix Half Ironman this Sunday. I am amazed at his dedication to train for this event, knowing he needs to place first in order to qualify for the Full Iron Man competition, which is his ultimate goal.  In I Corinthians 9:24-25a we read: “Do you not know that in a race all the runners run, but only one gets the prize? Run in such a way as to get the prize. Everyone who competes in the games goes into strict training…”.

I am inspired by my brother and these passages, not only to get off my backside and take better care of my body, but  also to keep pressing on in my relationship with Christ. We have one chance to run this race called life, and despite the heavy training that we sometimes undergo, we will find blessing at the end of the race if we persevere. We can run it half-heartedly or we can make the choice to give it everything we’ve got and, Lord willing, on that final day hear His Words of praise:  ”Well done, my good and faithful servant” (Matt. 25:21).

Striving to live for Jesus is not easy. There are days when I want to throw in the towel with everything, from trying to avoid sin and even to standing firm in practicing the financial principles that I teach to others. But you know what? It’s not worth it to just give up. Hebrews 12 challenges us to “throw off everything that hinders and the sin that so easily entangles, and [encourages us to] run with perseverance the race marked out for us.” (Hebrews 12:1b) In other words, don’t give up the good fight!

Rather, “Let us fix our eyes on Jesus, the author and perfector of our faith, who for the JOY set before Him endured the cross, scorning its shame, and sat down at the right hand of the throne of God. Consider Him who endured such opposition from sinful men, so that you will not grow weary and lose heart.” (Hebrews 12:2-3).  Jesus didn’t give up on me. I don’t want to give up on Him! When we grasp the magnitude of what He did for us on the cross and accept Him as our Lord and Savior, not only can we persevere out love for Him, but we also find strength to press on by the power we have received through His Holy Spirit! 

So, in the matter of our heavenly race, may the Holy Spirit strengthen us to persevere through trials, that our Heavenly Trainer may fit us for His Kingdom!

…And Scott, we are so proud of you! Fix your eyes on the prize and may the Lord protect you and be the wind that carries you across the finish line! Go get it!

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