I recently met a forty-one-year-old associate pastor who had paid off his home after fifteen years of working toward that goal. He and his wife made a lot of hard choices during that time. They gave up lifestyle desires. They endured the misunderstanding of friends who did not understand their motivation or their hard-core budgeting. They stayed in a smaller home as their family grew. They sacrificed much because they had a goal of being totally debt free.

Today, they have no mortgage payment. He told me that even though they knew that being debt free would provide a huge level of financial freedom and flexibility, they really had no idea the extent of that freedom.

The pastor and his wife now have tremendous flexibility when it comes to financial decisions. They love being able to be generous givers. They love serving in the church, and they are better able to raise their family on a pastor’s income because they have no mortgage. They are less stressed and more available to the opportunities God brings their way today.

He told me, “Our friends thought we were crazy, but now when they see the freedom we have to give, they see it differently. We are free to give whatever we want to because we don’t have that mortgage.”

What are your goals and dreams?

Do you want to be able to have less debt? Do you want to provide something for your family down the road that you know they will need? Do you want to buy a second home? Do you want to be able to give more generously?

Stop for just a minute and think about a goal or dream that you have—perhaps some desire has surfaced as you’ve read this book. Maybe you’ve gotten excited by a vision of what could be in your financial life. Saving—the Grow wedge of your pie—will help you get there.

Key #3: The Pie: Grow

Grow: Set long-term goals because there is always a trade-off between the short term and the long term.

Remember that accomplishing any financial goal means spending less than we earn over a long period of time. We have to save, because to have it in the long term, we can’t spend it in the short term.

Money Is a Tool

Money is not an end in itself; it is a tool to accomplish other goals and purposes.

Ron Blue and Karen Guess, Never Enough? 3 Keys to Financial Contentment (Nashville, TN: B&H Books, 2017).

We have just released a new Bible study on biblical book of Never Enough.

These lessons are available on Amazon, as well as a part of my Good Questions Have Groups Talking Subscription Service. Like Netflix for Bible Lessons, one low subscription gives you access to all our lessons–thousands of them. For a medium-sized church, lessons are as little as $10 per teacher per year.