FINANCIAL SEEDS
Financial Freedom Priority List
Financial freedom isn't about becoming rich—it's about becoming FREE.
When your financial needs are covered through wise stewardship and faithful investing, you're free to be more generous, spend more time with the people you love, and say "yes" whenever God calls you to serve. That's the true purpose of biblical financial freedom.
Learn the 10 priorities that will take you from wherever you are to a life of financial peace and abudance.
Priority 1
Welcome God into Your Finances
Financial freedom begins with surrender, not strategy. Invite God into every financial decision through prayer, obedience, generosity, and wise stewardship. When you honor Him first, you gain wisdom, peace, and confidence for every step that follows.
"Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight." — Proverbs 3:5–6 (NIV)
My book Debt-Free Shortcut can help you welcome God into your finances today.
Priority 2
Create a Cash Flow Plan
Tell your money where to go before the month begins. A simple cash flow plan gives every dollar a purpose so you can spend intentionally, eliminate waste, and make faster progress toward your financial goals.
"The plans of the diligent lead to profit as surely as haste leads to poverty." — Proverbs 21:5 (NIV)
You can get my cash flow plan template with my Debt-Free Shortcut audiobook today.
Priority 3
Develop a 10% Cash Surplus
Aim to consistently spend less than you earn. Creating a 10% monthly surplus gives you margin to save, invest, pay off debt faster, and handle life's unexpected expenses without relying on credit.
"The wise have wealth and luxury, but fools spend whatever they get." — Proverbs 21:20 (NLT)
You can learn simple tips to drastically reduce expenses and boost income with our debt-free acceleration toolkit.
Priority 4
Save One Month of Living Expenses
Before chasing big investment returns, build a financial cushion. Saving one month of expenses helps you weather emergencies without going deeper into debt and creates the stability needed to build lasting wealth.
"Go to the ant, you sluggard; consider its ways and be wise!... it stores its provisions in summer and gathers its food at harvest." — Proverbs 6:6–8 (NIV)
Learn my debt prevention savings system today to make sure your savings is working for you -- not the banks.
Priority 5
Pick a Debt Payoff Plan
Every debt payment is a step toward freedom. Choose a payoff strategy that fits your unique financial situation and stay committed until every high-interest debt is eliminated. The less money you owe others, the more money you can invest in your future.
"The rich rule over the poor, and the borrower is slave to the lender." — Proverbs 22:7 (NIV)
My debt payoff plan comparison calculator will help you pick the best payoff strategy for your unique situation.
Priority 6
Leverage Employer Investment Matching
If your employer offers a retirement match, don't leave free money on the table. Contributing enough to receive the full match is one of the easiest ways to accelerate your long-term wealth while preparing for retirement.
"Whoever gathers little by little will increase it." — Proverbs 13:11 (ESV)
My book Investing for Freedom details how you can turn 401(k)s into passive income generating assets today -- not when you're 65.
Priority 7
Invest in Rental Property
Once your financial foundation is strong, begin acquiring income-producing assets. Rental real estate can generate monthly cash flow, provide tax advantages, and create long-term appreciation that helps build lasting wealth.
"Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land." — Ecclesiastes 11:2 (NIV)
My book Investing for Freedom breaks down how you can start earning passive income from real estate faster than you think.
Priority 8
Invest Rental Income in a Brokerage Account
Instead of spending your rental profits, put them to work. Investing your cash flow in a diversified portfolio allows your wealth to grow through the power of compounding while creating multiple streams of income for the future.
Learn my Rent-to-Dividend strategy so you can generate passive income while you sleep.
Priority 9
Reinvest Your Dividends
Let your investments buy more investments. Reinvesting dividends accelerates compound growth, helping your portfolio grow faster without requiring additional money from your paycheck.
"Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things." — Matthew 25:23 (NIV)
For anyone new to investing my book Investing for Freedom makes this step clear and easy to implement.
Priority 10
Repeat Steps 7–9 Until You Reach Your Freedom Number
Continue purchasing cash-flow-producing assets and reinvesting the income they generate until your passive income covers your monthly living expenses. That's your Freedom Number—when work becomes a choice instead of a necessity, giving you the freedom to live generously, serve others, and pursue the purpose God has placed on your life.
Learn how to calculate your freedom number, step-by-step, in my book Investing for Freedom.