Most college students focus on the present without any serious thought to what lies ahead 10-20 years from now. But, they should be saving for the future.

Students should save so that they are in the habit later in the workplace.

Giving to the Lord first, then paying themselves should become a way of life even before graduating high school. Learning to delay gratification for a future need is crucial.

In an August article at, Eric McWhinnie stated that spending less than you earn and investing the difference is the key to financial independence. I agree! Yet, most people fail to realize the benefit of starting early. In fact, only 27% of respondents in a survey at started saving in their 20s. The benefits are undeniable when observing the effects of compounding interest over several decades.


Do you know someone who makes good money and is effective in the workplace? Chances are they have a high EQ.

EQ, or Emotional Intelligence is critical to success in relationships and work. People with higher EQs typically communicate effectively, perform well under stress, make their teams more productive, and are good decision makers. 

Dr. Travis Bradberry and Nick Tasler, in an article at reveal how EQ is directly related to salary. They tested 42,000 people and compared their scores and salaries. Those with high Emotional Intelligence make an average of $29,000 more per year. And, every point increase of EQ adds another $1300.

Have I gotten your attention?


Do you feel a tension between your desire to save more and your desire to give more?

I did some checking online looking for a study on this dilemma many Christians face. So far, I have not found any solid research on the subject! Most articles talk only about increasing your savings, not your giving. The Bible clearly instructs us to make giving our top financial priority.

Proverbs 3:9-10 says, “Honor the Lord with your possessions, and with the firstfruits of all your increase; So your barns will be filled with plenty,
 and your vats will overflow with new wine.”

To honor the Lord, we put Him first by giving. This is not because He needs our money; it is because we need to be conformed into His image. He is the greatest giver of all. It shows we love Him, care about His kingdom, and want to do good for others. The verse is very clear that the way we do this is to make it an automatic action off the top of everything we earn. 


Do you worry you may outlive your retirement savings?

According to a new survey, “People who earn more than $75,000 have a greater fear that they’ll run out of money in retirement. Overall, 23% of survey respondents say their top worry is that their savings will run out, but 29% of those in the $75,000-and-up income bracket say the same.”

According to an article at, “These fears persist despite the fact that about half of high-income Americans say they’re happy with the amount they’re socking away for retirement, compared to the 29% overall who say they’re happy with their current retirement savings. And even among those earning more than $75,000 a year, more than a quarter say just keeping up with basic living expenses is hampering their retirement savings”.


Be on high alert for scams!

Unfortunately, this wonderful time of year is when scammers attempt to prey on shoppers.

The Better Business Bureau publishes a list of the Top 12 Scams of Christmas. Here are a few to keep in mind.

Fake charities: The holidays create a great opportunity for scammers to solicit donations to fill their own pockets. Beware of solicitations from charities that cannot deliver on their promises or pretend to be representing victims that do not really exist.


Are you wasting money on “healthy food”?

I found an interesting article from that gave strong evidence that we may be wasting lots of money buying five specific foods and beverages we think are healthy for us. For example, diet sodas.

Certified Nutritionist Beth Warren says, “People think they are doing their health a favor by not drinking sugar-sweetened beverages and choosing diet drinks. Artificial sweeteners have been proven time and time again that, in the long run, they are not doing your waistline or health a favor by consuming them.”

A study of 24,000 Americans found that overweight and obese adults were more likely to drink diet soda than people at a healthy weight. While that might not be surprising — if you’re trying to lose weight, you’ll probably switch to diet drinks — the diet drinkers also consumed significantly more calories from food compared to people who chose sugary beverages. And overweight and obese people consumed roughly the same number of calories no matter their choice of beverage, according to the results, which were published in the American Journal of Public Health.


HELP! I’m not Ready for the Holidays!

Originially posted on the Christian Post on November 25th.

To learn Biblical answers to your financial questions, you can #AskChuck @AskCrown your questions by clicking here. Questions used may be lightly edited for length or clarity.

Dear Chuck,

I cannot believe that it’s Thanksgiving week, and Christmas is coming in weeks. Most of the time, I feel more stressed than thankful at this time of year (unless you count how thankful I feel when it’s all over!). Have any advice about making Christmas more about Jesus’ birthday and less about a shop-til-you-drop time of year?!

Tis the Season for Stress

Dear Stressed,

Christmas is my favorite season of the year! It is the largest birthday celebration on Earth and appropriately so! Yet, we have tragically moved from worshiping a child lying in a borrowed manger that first Christmas Day to the modern extravaganza marked by frenzied shopping. Just this week my wife and I noticed a mammoth inflatable of Santa and his twelve reindeer on sale at the home improvement store. For only $299, this “yard decoration” could practically hide your entire house from view. Is there any end to these  needless expenses? I’ll step off my soapbox and get to your question...


Today, some tips to avoid ID theft combined with some good news

The number of people who reported being victims of identity theft in affidavits to the IRS has “fallen dramatically” this year, according to IRS Commissioner John Koskinen.

“Through the first nine months of this year, that number is down by more than 50 percent,” he said in a press call, adding that there are about 275,000 fewer identity theft victims than there were a year ago.

Fighting ID theft has been one of the IRS’s top priorities in recent years.

In the first nine months of 2016, the IRS’s systems stopped more than $4 billion in fraudulent refunds from identity thieves. Almost 500,000 fewer tax returns were stopped this year than in the same period last year, and the commissioner said this is because it has become more difficult for criminals to file fraudulent tax returns as a result of efforts by the software industry.


God expects us to be a good and faithful stewards…Today we examine what is good

When the Lord commended the 5-talent and 2-talent stewards in the Parable of the Talents (Matthew 25:14-30), He told them they had done “good”. Often times we don't pay attention to that word because we assume we know what it means. But it is important to examine its rich meaning to grasp what the Lord expects of us. 

Definition of GOOD:  Morally excellent, pious, righteous, high quality, proper, honorable, worthy.

The word is first used in Genesis 1:3,4 - And God said, ‘Let there be light,’ and there was light. God saw that the light was good, and he separated the light from the darkness.


Have you started saving $1,000 yet?

My challenge to you is to escape the trap that nearly 70% of Americans are in: Living with less than $1,000 in savings! Here are a few more tips to find that $1,000 and put it away for future emergencies.

How about that cable TV bill? I have friends who spend more than $100 per month for their cable TV package. If you cut the cable you can easily find $600 in savings to put away. 

Your mobile phone is likely a place to save lots of money. Consider going to a non-smart phone to stop paying for all the data expenses. Possibly go to a simpler contract to limit your use to what is necessary. Getting the kids a flip phone vs. a smart phone is another place to save money.



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