While chatting to my wife over the weekend about Bible verses that explicitly deal with how Christians should manage their money, she asked me, ‘Have you looked at the passage on the Proverbs 31 Woman?’

My immediate response was, ‘Wait — what?

Of course I know the passage. Or, at least, I thought I did. I have heard it taught many times in church. This lady is often referred to as the Proverbs 31 Wife. There are several blogs and even ministries built around, or named after, this passage. It is a well-known scripture and one that I have often heard touted as the standard to which all Godly women (and especially, Godly wives) should aspire.

My wife smiled, ‘Read it again.’

So I did… and my eyes were opened! What struck me first and foremost was how inappropriate the title Proverbs 31 Wife is for this passage. Of the fifteen verses in this passage that actively describe the Proverbs 31 Woman, only two offer any insight into how she acts toward her husband.

A further two verses deal specifically with her character and one extolls her generosity toward the poor.

But the clear winner is…

A whopping six verses that specifically showcase how the Proverbs 31 Woman manages her finances! In other words, roughly 40% of the passage is dedicated to this single aspect of the woman’s life and character.

The Proverbs 31 Woman is a Financial Power-House

proverbs 31 woman

Who knew? Well, my wife did, for a start. In fact, as I read this passage again, I came to realize that the Proverbs 31 Woman is a financial power-house. The Bible tells us much about this lady and her financial prowess.

She generates her own income and leads by example before her employees and servants. She is a woman of industry, who buys wool and flax, manufactures garments and sells her produce to merchants in the local markets. She is not only a shrewd manager but also a skilled laborer. She neither shies away from hard work nor from menial tasks; In her hand she holds the distaff and grasps the spindle with her fingers (Proverbs 31:19).

She travels widely and trades carefully, negotiating the best prices and thus keeps her expenses low. She works hard to manage her business and ensures that it turns a profit; She sees that her trading is profitable (Proverbs 31:18).

She is an investor who uses the proceeds of her income to acquire assets; She considers a field and buys it. Furthermore, she manages those assets and adds value to them; out of her earnings she plants a vineyard (Proverbs 31:16)

The message in this passage is all the more powerful when considered in the context of the patriarchal society in which it was written; she came from a time and culture in which women were widely thought of as little more than the property of their husbands.

This is a woman who loves her husband. She respects him and supports him as her partner in marriage; but she is not reliant on him for her financial support. She is more than capable of supporting herself. She generates her own income and manages her own business and investments — all while running her household and caring for her family.

The passage in question, Proverbs 31:10-31, offers immense wisdom on how we should approach our work, industry and investment. Both men and women, in the church today, can learn from the Proverbs 31 Woman and would do well to follow her example in financial conduct.

I plan to delve deeper into individual verses in this passage over the next few weeks to gain a greater understanding of God’s word as it pertains to his remarkable person and what we can learn from this scripture.

Watch this space…

So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’… But seek first his kingdom and his righteousness, and all these things will be given to you as well.

Matthew 6:31-33

Jesus said, ‘Seek first the kingdom of God and his righteousness…’

How we, as Christians, manage our finances will either lead us closer to, or further away from that goal. This is what God has been teaching me this year.

While discussing this over the weekend, with my wife, I shared one of the areas in which God had challenged me in relation to this verse. There are 84 daylight hours in a week. How many of those are spent seeking the kingdom of God? How many are spent seeking a paycheck? Do the math…

Sadly, I have to admit that I have been tried and tested… and found wanting. However, my wife asked me, ‘What about the scripture that says…’

Whatever you do, work at it with all your heart, as working for the Lord, not for human masters .

Colossians 3:23

‘Does that not mean that we should consider the jobs we do, as working for the Lord?’ she asked.

Of course, I could lead with the fact that this scripture was addressed to New Testament slaves who were believers but whose duty was to their owners (read Colossians 3:22). As such, they had no choice in the matter. However, as I pondered the question, God led my thinking in a different direction.

‘OK, let’s consider it this way,’ I replied. ‘Say I have a business/investment opportunity to earn $1M a year. I will need to wake up early and devote 10-12 hours each day to my task, five or six days a week. It will be exhausting and will leave me with little time or energy for anything else. In fact, it may mean I miss dinner with the family on a regular basis.

‘Yes, I will probably miss the kids’ sporting events and a concert or two. However, if I can prove myself, I could earn even more! By the end of five years, I will earn $3M/year — and by the end of ten years, I will earn $10M/year.

‘The price is time; I will have less time, than I might otherwise have had, to attend church meetings, get involved in ministry or share the gospel with others. However, I intend to approach this undertaking as working for the Lord. So that should make it OK, right?’

My wife frowned, pondering this for a moment. ‘Well — no. Umm’ I could almost hear her Built-in Christian Love-of-Money Alarm Bell ringing.

‘Why not?’ I concluded. ‘The only thing I’ve changed in that line of reasoning is the number.’

Seek First the Kingdom

seek first the kingdom

Of course, my wife’s conclusion was correct. Jesus told us to seek first the kingdom of God. It follows that it is not OK to sacrifice that calling for $10M/year. However, if that is true, then it is equally wrong to sacrifice the calling for a more moderate salary like, say, $40K/year. Or $20K/year. While the numbers may be smaller, the heart attitude is the same. And we don’t get to justify our choices by asserting that the work we do is as working for the Lord.

This is a hard truth but I believe in the tough love. Jesus set the bar extremely high and I know I fall way short of that standard. I suspect there are many other believers in the same boat. It is why we need his grace. It is OK to admit that we fall short of God’s perfect standard, as long as we acknowledge our weakness and seek his forgiveness. Beyond that, we need to ask God to strengthen us by his Holy Spirit and give us wisdom to make the right choices; choices that aim to seek first the kingdom of God and his righteousness.

There are 84 daylight hours in a week. How many of those are spent seeking the kingdom of God? How many are spent seeking a paycheck? Do the math…

Rich Abba, Holy Abba

I would submit that those choices should include financial decisions that will create the freedom in our lives to seek first the kingdom of God.

When we save money and eradicate debt by learning to be content with what we already have, we become less beholden to demanding jobs that drain all of our time and energy.

When we begin to invest our savings by learning to overcome the fear of losing what we already have, we create additional income streams that supplement our existing income and reduce our dependence on job security.

When we grow in wisdom and begin making sound financial decisions by learning to overcome greed, we begin to grow our asset base and create the freedom to seek the kingdom.

We do all of this in our eternal quest to seek first the kingdom of God and his righteousness. This means focusing on how we can seek first the kingdom in our lives right now — and making decisions that will create the freedom to spend even more time and energy seeking his kingdom in the future.

Obviously it is impossible to address all of these issues in a single post. If you are interested to know more, check out the link below. There, you can download a free copy of The Wise Man & the Fool. This short story takes the reader on a journey through scripture as it follows the lives of two men trying to make their way in the world. The wise man heeds the word of the Lord and the wisdom of Solomon; the foolish man does not.


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The Wise Man & the Fool

Are you seeking more wisdom from God’s word in respect of managing finances? .

— Happy Reading

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This is a great book with sound, practical advice and a step-by-step plan to rid yourself of debt once and for all. Written primarily for a Christian audience, however the advice is universal.

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So do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well.

Matthew 6:31-33

Jesus spoke these words with reference to how Christians should think about, approach, and deal with money in their lives. Not in terms of pursuing riches but, rather, in terms of day-to-day living; paying bills, making rent and putting food on the table. What we eat, what we drink or what we wear.


Learn what the Bible says about managing money and

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seek the kingdom - the wise man and the fool

Seek first the kingdom of God and his righteousness — that was Jesus’ instruction. How Christians manage their day-to-day finances will either lead them closer to, or further away from that goal.

Many believers today prefer not to think about money at all — and many believers live their entire lives locked in a place of constant financial struggle. Instead of seeking the kingdom of God, they find themselves living from paycheck to paycheck, struggling to make ends meet.  These sincere, and hard-working, believers often grudgingly accept this as their lot in life without ever understanding why they find themselves in this position.

In truth, God’s word offers an abundance of wisdom on the subject of money and how to manage it — if we only take the time to look. And there lies freedom!

Seek first the kingdom of God and his righteousness! How we manage our finances will either lead us closer to, or further away from that goal.

Rich Abba, Holy Abba

Freedom to Seek the Kingdom

Matthew 6:33 - seek the kingdom

Many of these scriptures are found in the books of Proverbs and Ecclesiastes, both penned by Solomon, the wise king of Israel. While these verses are seldom taught from the pulpit or studied in Daily Devotionals, they are as much a part of the Bible as oft-quoted verses like John 3:16 that Christians across the world know and love so well. They may not deal with the great themes of our Christian walk but they are still very much a part of God’s word.

If you would like to understand how to create freedom to seek the kingdom by managing your day-to-day finances, get this book AVAILABLE NOW ON AMAZON.COM!

This parable-like story takes the reader on a journey through scripture. It follows the lives of two men trying to make their way in the world. The wise man heeds the word of the Lord and the wisdom of Solomon. The foolish man does not.

Happy reading!

Plans fail for lack of counsel, but with many advisers, they succeed.

Proverbs 15:22

Recently, I noticed a lot of noise about Bitcoin as a great asset class for investors.

The property market, my preferred asset class, was rising and viable new investments were getting harder to come by. Like many investors, I began considering alternative investment opportunities. In short, I was looking for a place to park my money until the property market corrects and prices drop once more.

Bitcoin appeared to be the hot new topic on the lips of many. Not one to dive in and bet everything on red based a few hot tips, I did a bit of research of my own…

… and then I applied Proverbs 15:22 Plans fail for lack of counsel, but with many advisers, they succeed.

Plans Fail for Lack of Counsel

plans fail for lack of counsel

When God’s word asserts that plans fail for lack of counsel, I take heed.

I reached out to an online group of fellow-investors and asked them why they believed Bitcoin was a good place to put my money — or why not, as the case may be. In the next twenty-four hours, I gained a deeper understanding of Bitcoin, and Crypto-Currency investment in general, than I had amassed in the previous seven years.

Do I know everything? No. However, I got access to valuable online tools and resources for future research. My fellow-investors explained what was driving the current phenomenal price-rise — and what might cause future crashes. I learned about aspects of this asset class I had never really understood, like mining for Bitcoin and other currencies (not something that interests me, FYI).

I learned why many investors believe it will continue to rise and I learned why other investors believe it will fail.

I walked away with a more solid understanding of what it means to invest in this asset class and, if I chose to invest, how I might approach that.

Off the back of that counsel, I have the following take-aways:

  • Bitcoin is high-risk, high reward — so I should invest only small amounts of capital that I am willing to lose
  • This asset class is too volatile to park money earmarked for alternative use, like property investment
  • With a 1 in 16 Trillion chance of mining a Bitcoin, mining is not a viable strategy for me (FYI Lottery offers a 1 in 45 Million chance of winning)
  • There are many alterative crypto-currencies other than Bitcoin. All have a similar risk profile
  • I should focus the bulk of my capital on more stable asset classes
  • Viable property investment opportunities are still out there so I should not blindly write off my existing investment strategy

NOTE: This article should NOT be construed as investment advice. It is a personal testimony to illustrate the wisdom of seeking counsel, as shown in scripture (Proverbs 15:22). Please seek professional advice when considering any investment opportunity.

Most of all, I received some valuable clarity about my own position, what I was really asking and what it meant for my overall investment strategy.

But with Many Advisers, They Succeed

Here is some wise counsel that one particular adviser offered.

Let’s ignore Bitcoin for a minute.

  1. Investor is assuming property prices are a little ‘hot’. As if that can be determined and measured.
  2. Investor wants to be liquid for a future deal. When that deal might happen is unknown.
  3. Investor feels there will be a correction in the overall property market or an individual deal will come along.

The ideal solution for this investor is to find a way to hold cash which has:

  • high liquidity (there when you need it) and
  • no volatility.

The current $x value in currency needs to be the same $x value in currency when the next motivated seller comes along.

Any alternative is an alternative compared to holding cash.

If the alternative is illiquid and/ or volatile, the alternative fails to meet the brief. In this context, any returns on the cash are almost immaterial compared to the brief.

The above counsel offered me deeper insights into my own thought-process. This wise counsellor reflected my own musings back at me with crystal clarity.

It quietly reminded me that even my assumptions about the property market might turn out to be wrong. And it cleared the haze, allowing me to see the road ahead more clearly.

Without his counsel, I might easily have lost my way when considering the potential profits of Bitcoin and the thrill of the chase — without ever considering the primary goal quietly phrased in my question.

This wise counsel will help inform my decisions about how and where I employ my investment capital going forward. It has helped me to stay on track.