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So how do we ensure lasting legacies that give the glory to God and use our wealth to fulfill His calling? Dave lays out a biblical pattern for wealth: Now, Then, Us, Them. We start with the Now. In this stage, individuals focus on making it from day to day. Little by little, as budgets start to work, debts decrease, and savings increase, people transition into Then. A future begins to come into view, and a vision takes shape.

Dave Ramsey Explains the Biblical Principles of Wealth and Money

College savings and retirement investments are possible. That is not proper biblical stewardship.


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With clear vision, we begin to think of our legacy for the next generation. Us happens when we become intentional about changing our family tree. Assuming we teach our children proper spiritual stewardship—that God owns everything and we manage it for His glory—generational wealth is biblical. We begin to prepare our children to pass on their own positive legacy to future generations.

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Finally, Them allows us to broaden our vision beyond our families. We seek out ways to meet the needs of others, and we become cheerful, outrageous givers. When God blesses us this much, He expects us to use a portion of that wealth to serve others in His name. Yes, the money is a blessing, but it also comes with much responsibility. That responsibility includes giving, but it also involves debunking a few popular money myths for our own benefit and the benefit of our legacy. On one hand, many people today believe wealth is evil and should be avoided at all costs. They have the spirit of poverty.

Really, this spirit is rooted in jealousy and envy. Jealousy wants what someone else has. Please tell us how did you find out about us? In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. Read More. Biblical Stewardship!

Debt Restructuring

How God provides us with wisdom in all areas of finances and provides a distinction between worldly attitudes as suppose to Godly attitudes with respect to money. Do not let this Book of the Law depart from your mouth; meditate on it day and night, so that you may be careful to do everything written in it. Then you will be prosperous and successful. Joshua I will be checking out the website. Praise God for the work you guys are doing for The Body of Christ.

4 Ways to Handle Money God’s Way

You dove right in and tackled the subjects in such a way as to provide solid answers…but also compelling information that would cause a listener to want more info. This course has taught me that…an intimate walk with God…is the only way to be a good steward of the resources God has given us. One of the reasons people fail to give what they should is because they are carrying a debt load. Recently, one of the men who was baptized in our church testified to the fact that it was through the financial teaching in our church that he got his spiritual priorities straightened out and realized what that meant for his daily living for God.

We are pleased to have posted it on our website. God bless. We had over individuals sign up for this — and about one-third of those were from outside our church — praise God!! This has been such a blessing to know that couples are being prepared for marriage in such a biblical and practical way…. Thank you again. Since starting the Copland Budgeting System both my wife and I feel as if a great weight has been lifted, we feel closer to God and closer to each other.

My wife says it feels as if the waters have parted and the way has been made clear. Your support, advice, validation and sincere heart have been such an encouragement and blessing to us. We left our time with you feeling great peace and clarity, even though all our financial problems are not instantly solved.

God used you to speak into our lives and we are so thankful for that. RG, Toronto, Canada. It is amazing to hear from you and would be thrilled to speak with you. Hi Tom, It is amazing to hear from you and would be thrilled to speak with you. Thank you CL, Halifax. I know it is helping many people! I first saw you on your commercial.

Managing Money God's Way (Spending) - Scott Bayles

I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23 year old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases.

Has It Worked?

Your love for the Lord is admirable as well, and you are a fantastic role model. I just wanted to tell you what a blessing you have been in my life. You have taught me to study scripture, always ensuring that my thoughts match scripture. Ever since taking Financial Management I have tried to make sure that I have scripture backing before I make an opinion on a matter. It has changed many relationships for the better.

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Thank you! Hi Tom, I just wanted to tell you what a blessing you have been in my life. LS, Ontario Canada. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries and wondered if you can set up a regular monthly withdrawal from our account?