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Showing posts from July, 2025

Your New Favorite Date Night: The Money Date

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The end of the month is here. For some, that might mean a sigh of relief, while for others, it’s a moment of dread. Are you still sifting through receipts, wondering, "Which budget category should this purchase go into?" Are you and your spouse playing detective, trying to remember what you bought from Target on the 5th that cost $34.26? Or maybe you’re asking, "Do we even have a budget or spending plan? And how can it even help us?" If any of this sounds familiar, don't worry—you're not alone. But I'm here to tell you that it's the perfect time for something truly transformative: a money date. What Exactly Is a Money Date? A money date isn't about rigid spreadsheets and stressful interrogations. Think of it as a dedicated, intentional time for you and your partner to connect over your finances. It's about teamwork, transparency, and aligning your financial future. This is your opportunity to: Review this month's budget: See where your...

The Unwanted Interruption: A Real-Time Lesson in Vigilance

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  Last fall, my wife and I settled into our small group Bible study, enjoying dinner and the unfolding discussion. Suddenly, my phone began to vibrate in my pocket. I tried to ignore it, but the persistent buzzing continued – again, and again, and again. A jolt of concern ran through me. Someone really needs to get a hold of me, I thought, excusing myself to check. What I saw was a series of real-time notifications from Ramp , my business credit card provider. My card, which I'd used just hours earlier, was now being used for a string of unauthorized purchases. Kudos to Ramp , though, for their immediate alert system. Because of their swift action, we were able to dispute the charges and halt further fraudulent activity almost instantly. This wasn't an isolated incident. Over the years, I've come to truly appreciate the built-in protections that come with using debit cards and credit cards for online purchases. While we've had to suspend cards due to fraud, causing a...

Beyond Riches: How Essentialism Unlocks True Financial Freedom (and Purpose)

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  Introduction: The Fleeting Pursuit of Wealth This morning, as I spent time in God's Word, a passage from Proverbs 23 :4-5 resonated deeply: "Do not toil to acquire wealth: be discerning enough to desist. When your eyes light on it. It is gone, for suddenly it sprouts wings, flying like an eagle toward heaven." Have you ever felt caught in the relentless pursuit of more, only to find that wealth, when made the sole focus, can feel incredibly fleeting? It's a powerful reminder that if growing our net worth is our only life goal, we might be chasing something that "suddenly sprouts wings." Investing in What Truly Lasts Proverbs 23:23 offers a profound contrast: "Buy truth, and do not sell it; buy wisdom, instruction, and understanding." This verse challenges us to consider what we're truly using our wealth for. Are we simply accumulating it, storing it in silos, and deriving our self-worth from account balances? Or are we leveraging the blessi...