• Americans have very little short-term emergency savings
• A large number of adults have little to no retirement savings
• 3/4 of Americans die in debt

Three Reasons Peoples’ Finances are a Mess

1. Ignoring Biblical wisdom with money
   Proverbs 13:18
   Proverbs 17:16
   Proverbs 21:5
   Proverbs 21:20
   Unmet desires are a lot less painful than unpaid bills.
2. The neglect of the Biblical warnings about debt
   Proverbs 22:7
   Psalms 37:21
   Proverbs 3:27
   Romans 13:8 “Don’t keep on owning anybody anything” Charles Swindoll
   Proverbs 4:23
   Debt Drivers
   • Lack of commitment, Proverbs 14:30
   • Insecurity, Proverbs 13:7
   * Presumptuous planning, James 4:13-15
3. The resistance to Christ being Lord
   Deuteronomy 10:14
   Leviticus 25:23
   1 Chronicles 29:11-12
   Job 41:11
   Psalm 50:10
   Psalms 50:11-12
   Haggai 2:8
   1 Corinthians 6:19-20
   2 Corinthians 8:9