The Power of Starting Young (Compound Interest!)

Time is your most valuable financial asset. You cannot buy more of it, and you cannot get it back once it passes. Young people who understand this truth can build extraordinary wealth with modest contributions. Those who delay saving until their 40s or 50s must work much harder to achieve the same results.

I first learned about the power of starting young from The Money Guy Show's Wealth Multiplier. When I saw that someone investing just $95 per month starting at age 20 could become a millionaire by 65, I was sold. The numbers seemed almost too good to be true, yet the math checked out. That single concept changed how I viewed every dollar I earned.

What Does the Bible Say About Setting Goals?

Some Christians think goal-setting contradicts faith. They believe planning ahead shows a lack of trust in God's sovereignty. This misunderstands both sovereignty and stewardship. The Bible teaches that God plans, and He expects us to plan too.

God Has a Plan for Your Life

Ephesians 1:5 tells us, "he predestined us for adoption to himself as sons through Jesus Christ, according to the purpose of his will." God set goals before you drew your first breath. He planned your adoption, your salvation, and your place in His family.

Ephesians 2:10 continues, "For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them." God prepared specific good works for you to accomplish. He created you with intention and purpose. Your life follows His design, which means you should approach your days with intentionality that reflects His planning.

What Does the Bible Say about Money and Possessions?

The Bible contains over 2,000 verses about money. God speaks about finances more than almost any other practical topic. This tells us something clear: how we handle money matters to Him.

God Owns Everything, Including You

Deuteronomy 10:14 states, "Behold, to the Lord your God belong heaven and the heaven of heavens, the earth with all that is in it." Psalm 24:1-2 echoes this truth. Everything you see, touch, and use belongs to God. Your house, your car, your paycheck—none of it originated with you.

This extends to your very person. First Corinthians 6:19-20 says, "You are not your own, for you were bought with a price. So glorify God in your body." Christ purchased you with His blood. You belong to Him completely, which means your money belongs to Him too.

The Complete Guide to Bible Phrasing: A Transformational Approach to Scripture Study

Most Bible studies ask you to look inward. They prompt you to share what the passage means to you, how it makes you feel, what applications you can draw from it. Week after week, you mine your own thoughts and emotions for something fresh to say about texts you've read a dozen times.

This gets boring fast. Your thoughts are finite. Your emotions repeat themselves. Apart from the Spirit's work in your life, you run out of new things to say.

Bible phrasing takes a different approach. It asks you to look outward at what God has revealed. It trains your eye to see the craftsmanship in Scripture, the way God inspired authors to build arguments, layer meanings, and structure truth. When you phrase a passage, you stop generating your own insights and start discovering what's already there.

The difference is profound. One approach can exhaust you. The other can invigorate your soul.