Dave Ramsey is an excellent, biblical teacher on Finances, Life  and Faith.   John and I are preaching a 2 week series incorporating Ramsey’s financial principles, coupled with our own thoughts, points, and life stories.

“For his Spirit joins with our spirit to affirm that we are God’s children.” Romans 8:16

..well let’s get started…

I. Introduction

?  I agree that the way God teaches us to Handle Money Works.

?  I agree to work out ways to Honor God with my Finances.

WHY? Because Wealth can Wreck our Lives!!!  Wealth can…Drive a person crazy, destroy friendships, make us Fools, put us in incredible debt, lead us to divorce and ultimately it can lead us away from Christ!

  1. However, when we hear of God’s ways for our finances, we don’t always follow…so we end up in trouble, debt and broke.

? Wealth is an important part of life, but not the only part.    

“If your wealth increases, don’t make it the center of your life.”    Ps 62:10

? Dave Ramsey mentions there are two types of rich people: those who are messed up and those who are not.

? When our need for Finances pulls us away from our Lord, it can make us fools.

  1. Prosperity can lead us down the wrong road. If we aren’t careful, we can find ourselves in a whole lot of trouble in a short amount of time. 
  2. The debt just builds up rapidly. That’s why we need a biblical pattern for how wealth is supposed to work in our lives.

There’s a Biblical Pattern that moves us through a process called,

“Now, Then, Us, Them.”

? It takes us from a place where we are focused on our immediate needs to a spot where we can give generously to meet needs  around church, our neighborhood and around the world.

…okay, let’s start with ‘Now’


“Now” is when your head is down, and you work hard.

1. In this stage, we’re focused on getting through each day.

2. This is the stage where many people are living these days.

  • Moving from “Thank God it’s Friday!” to “Oh no, it’s Monday!”
  • It’s hard to enjoy, because we get focused on making a living.
  • While We’re living in the “Now,” our primary focus is on taking care of family.  We need to care for those closest to us…

“Those who won’t care for their relatives, especially those in their own household, have denied the true faith.” 1 Timothy 5:8

  • We need to care for those closest to us. Never let anyone try to guilt you into letting other priorities come before your family.
  1. Biblical Goals  for this stage…where these are biblical foundations for handling money that really take root:
  2. When you follow these basic principles, you start to find some margin and can breath a little bit. As you do, your head comes up and you can start to look ahead to the future.


“Then” is when you start looking toward the future.

  • As the weight of the “Now” starts to lift, we recognize that there is more than what’s going on right now. We can start developing a vision for the future.

? We develop a future focus.

“When people do not accept divine guidance, they run wild. But whoever obeys the law is joyful.” Proverbs 29:18
“The wise have wealth and luxury, but fools spend whatever they get.” Proverbs 21:20

1. We start developing a financial plan and trusting it to God…    Remember “We can make our plans, but the Lord determines our steps.” (Pro 16:9)

2. Once our Finances are Secure, we gain confidence, we start planning our future, investing in retirement, saving for college fund

3.   Faith  involves creating a plan, thinking about what can be done, and pursuing a vision.


“Us” is when we see something better for our family.

  1. Once we move to “Us,” our vision expands. We begin to think… about the kind of legacy we are building for the next generation.

“Good people leave an inheritance to their grandchildren.” Pro 13:22

2. We are all building a legacy. Therefore, let’s makes a positive difference in our families, let’s be intentional about training our children to handle God’s wealth.

“Direct your children onto the right path, and when they are older, they will not leave it.”     Proverbs 22:6

3. Prepare to Pass is along… pass our positive legacy to future generations—like a runner passing a baton in a relay.

  • Applying the ‘US’ Pattern to our Lives.

3 Main “Lenses” that Provide Safeguards for Our Family.

1) The Lens of Magnification

  1. Money makes us more of what we are—it magnifies the person we are. Brings out the best/worst! So, if you’re a jerk without money, you’ll be a bigger jerk with money. If you’re generous without money, you’ll be incredibly generous with money.
  2. b. We have to be careful about the person we become because that will be magnified with money.

2) The Lens of Ownership

  • God owns it all. We are the managers. He Puts us in Charge!!

“The earth is the Lord’s, and everything in it.” Psalm 24:1

  • Whatever we are in charge of (regardless of the amount)   belongs to Him.
  • Recognizing God’s ownership allows you to keep your possessions in a proper perspective. It’s much easier to handle someone else’s money and property.
  • This attitude lets you handle money wisely for God’s glory without having it mess you up.

3) The Lens of Community

  1. We become like the people we hang around, so be careful about who you spend your time with. 

“Do not be misled: “Bad company corrupts good character.”  1Cor 15:33

? Aligning the Lens: we need to apply these lens to our lives and re relationships.

  1. In marriage, we need to remember that couples can’t heal hurts with money.
  2. In parenting, make sure your kids understand that God owns it all and make sure they carefully choose the people and friends who surround them.
  3. With extended family members and others, maintain proper boundaries to protect your legacy.
  1. The difference between blessings and curses, life and death, is the decisions you make during the “Us” stage. Our choices today will establish a direction for our children to follow.

2. Choose life so our families can make a difference for years to come. We can create a legacy that will outlive us and that will make an impact for the kingdom of God that can stretch for decades.

V. Them

? In this stage, our vision broadens. Our vision for our family is in place, and God allows you to see other needs that you can meet.

“For God loves a person who gives cheerfully” (2 Cor 9:7)

These needs can be down the street or around the world. The key is that you respond to God’s leading and give generously to meet the needs of others.

Margaret Thatcher once said, “No one would remember the Good Samaritan if he only had good intentions. He had money as well.”

Key Thought on Overflow

  1. Poor people can’t meet the financial needs of poor people. 
  2. We have to build wealth and let God use it to fulfill His plans with His resources.
  3. Each Sabbath, Jewish families observe a special ceremony known as the Havdalah
  • During the Havdalah, a member of the family pours wine into a cup placed in a saucer. The one who pours allows the cup to fill and even overflow the lip of the cup. This lets some of the wine collect in the saucer below.
  • In the ceremony, the cup represents the resources dedicated to the family. So, filling the cup represents a commitment to make sure all of the family’s needs are met during the week to come.
  • The overflow that runs into the saucer represents resources dedicated to meet the needs of other people.
  • While the cup is filled, some of what God has provided is set aside to minister outside the family.

? We can plan for some “overflow” In Order to  minister to others   for God’s glory.

VI. Conclusion

Now, Then, Us and Them give us a biblical framework for handling money.

We are blessed so we can be a blessing to others.

  1. This Process can bless our own lives, the lives of our family members and the lives of others. It will make a difference now and for years to come.
  2. The Bible says that God blessed Abraham, and that He would use Abraham to bless the world (Genesis 12:3).   Can we trust God to make us a blessing as well.

How can we move from the Now, to then, to us, and then to them…And asked to start by applying biblical principles to our finances and moving forward with our Lord.


Hebrews 13:20-21… Now may the God of peace who brought again from the dead our Lord Jesus, the great shepherd of the sheep, by the blood of the eternal covenant, equip you with everything good that you may do his will, working in us that which is pleasing in his sight, through Jesus Christ, to whom be glory forever and ever. Amen.

Get out of debt, Stay on a budget, Live on less than you make, Save as much as you can, and Give as generously as your circumstances allow.