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Tithing is a matter of belief and conviction. Remember: God doesn’t need your money and doesn’t desire a tithe out of compulsion.

Building a financial margin is about creating a cash flow surplus to save for emergencies and invest for the future. You may not live in a world that requires a small army, but do you even have an emergency fund to face an unexpected setback?

Spend the time to clarify your goals, lead with generosity, and focus on legacy. Everything else will fade away.

Abram believed this calling was more significant than himself, his family, his possessions, and his country. Instead, he was focused on the legacy God promised him: a great nation and blessing all families on earth.

When we remember that God owns everything, generosity is easy and joyful. We always have more than we deserve.

So how do we start the process of redeeming work? We leverage our God-given abilities and put them to work.

The human desire to chase after what we want, even if it is opposed to what God wants, led us out of God’s plentiful garden. Our world is plagued with hunger, disease, and poverty. What should have been living in a plentiful garden under ideal conditions is now threatened by darkness.

After completing the goal reflection exercise included in Old Year, Old You, let’s focus on next year.

It’s the time of year where we start to think about what we accomplished (at least we should!) and start thinking about what the new year holds.

A smart Christian plans ahead to end the year in good shape and starts the new year with the right foot. Here are three things I help my client with as a Christian financial planner to prepare for the new year.