Favorite Money Quotes

Here are a few of my favorite quotes about money:

  • “Live like no one else so later you can live like no one else.” – Dave Ramsey
  • “If you aim at nothing, you will hit it every single time.” – Zig Ziglar
  • “You can either play now and pay later, or you can pay now and play later. The choice is yours.” – John C. Maxwell
  • “The question is not, ‘Can I afford this?’ The better question is, ‘How can I afford this?’” – Robert Kiyosaki
  • “Early to bed, early to rise, keeps you healthy, wealthy and wise.” – Benjamin Franklin
  • “Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens
  • “What good will it be for someone to gain the whole world, yet forfeit their soul?” – Matthew 16:26 (The Holy Bible – NIV)
  • “Act your wage.” – Dave Ramsey
  • “The principles of money are basic: Live on less than you make and save money for a rainy day.” – Anonymous
  • “People buy things they cannot afford to impress people they don’t even like.” – Attributed to various people
  • “Your pay raise becomes effective when you are.” – Anonymous

For more great money quotes, visit this great page.

Do YOU have any favorite money quotes? Please share them in the comments!

How To Make Your Budget Balance To Exactly Zero

The majority of people struggle to prepare and live by a budget. They KNOW a budget can be very helpful, yet they choose to operate their finances without one. For those who attempt to prepare a budget, it can be difficult making INCOME minus OUTGO equal EXACTLY ZERO (TM). In reality, there are only a few solutions available when attempting to achieve “Exactly Zero.”


  1. Increase INCOME
  2. Decrease OUTGO
  3. Combination of #1 and #2
  4. Sell something

Of course, HOW to get each of these implemented is the challenge each of us faces.

QUESTION: How have YOU been able to apply each of these within your own budget?

NOTE: The first wave of participants in our new I Was Broke. Now I’m Not. Core Coaching Program has launched! We’re planning another massive launch in January 2014. Space is limited so if you want to be part of this life-changing program, take one minute and put your name on the “first to contact” insider list today. Click HERE (or copy & paste the following link in your favorite browser: http://iwasbrokenowimnot.com/ladders/ )

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Introducing Baby Sangl!

On Wednesday, September 25th, at 3:55 PM, Megan Jennifer Sangl arrived weighing 7 lb 9 oz and measuring 20 inches long! Mother and daughter are doing perfect!


Are Your “Games” Destroying Your Finances?

I meet so many people who are struggling greatly with their finances. It is a great challenge for them to pay their bills on time and meet the financial needs of their household.

But they are incredible at Farmville, Candy Crush, Spider Solitaire, etc.

They will even post pictures on Twitter/Facebook/Vine/Instagram of a “new level” they have achieved. I’ve even seen people request prayer that they can reach a new level.

Here’s the question that must be asked: “What would happen in their life if they utilized all of this game time to instead obtain a financial education?

When faced with enormously stressful challenges (like financial issues), it is easy to run to mindless games. I am particularly fond of Spider Solitaire on my MacBook Pro and the Boggle App on my iPhone, but I REFUSE to allow them to take priority over my financial education.

FREE eBook: “God Centered Finances” – by Mark Asbell

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In October of 2006, Mark and Shawna Asbell experienced what I call their “I Have Had Enough” (IHHE) moment. They received an official delivery of home foreclosure paperwork while their church small group was sitting in their living room. Facing over $85,000 in non-house debt and the threat of losing their home, they attended the very first Financial Learning Experience I ever taught (at NewSpring Church on December 2, 2006).

The Asbell’s were among the first to receive one on one financial coaching from me. Using their newly discovered knowledge, they went on to save their home from foreclosure and even became debt free except for their house. During this time they became financial coaches – helping others experience the financial freedom they were now enjoying. Mark has been an integral part of IWBNIN as we launched into becoming a stand-alone business. In fact, Mark has traveled all over the nation with me helping people accomplish far more than they ever thought possible with their personal finances.

So this helps explain why I am SO EXCITED about the launch of Mark’s first eBook – God Centered Finances. In this book, Mark shares how his family experienced their financial awakening and reveals the balanced perspective they have learned about Biblical giving, saving, and spending.

Here’s the amazing news:

Right now, for a limited time, you can get a FREE eCOPY on your Kindle app or device.

Changing Your Money Relationship

It is not difficult to be broke. From the day we begin breathing oxygen, we are consumers. At first, we consume much of our parent’s time, energy, and money. As we grow older, our own relationship with money begins to form.

Many young people receive money for their birthday, Christmas, or some other special day. What do most of us do with the first money we receive?

Spend it!

Through this experience, a “receive it = spend it” mentality forms as we begin our relationship with money.

As we grow older and move into adulthood, many people must “unravel” this broken thinking and change their money relationship.

The biggest challenges people face with their finances are:

  1. Planning its use for the funding of individual hopes and dreams (Budgeting – short and long term)
  2. Saving money (Emergency funds, Known upcoming non-monthly expenses, and Dreams)
  3. Investing (Preparing for the future funding of dreams and retirement)
  4. Spousal involvement (Unity)
  5. Long term planning (Estate planning including wills and advanced directives)

Like any relationship, improvement requires time, effort, and money. How do you need to change YOUR relationship with money?

Money Relationship Facebook Status

On Facebook, people have the ability to share their “relationship status.”

I thought we would have a little fun with this as it relates to our relationship with money. Here are some “relationship statuses” I believe we could use on a MONEY Facebook page.

  1. It’s complicated (I don’t know where to even start)
  2. Non-existent (all of my money runs out the door as soon as I receive it)
  3. Diligently seeking (trying to earn some money so a relationship can happen)
  4. Slave (completely bound up by debt)
  5. Divorced (money has completely driven me crazy)
  6. Great (money is a resource that is helping me bless others and fund my life’s plans, hopes, and dreams)

What other statuses can you think of?

I Was Broke. Now I’m Not. Core Coaching Program – Sold out in 15 minutes!

About a month ago, I was able to share the I Was Broke. Now I’m Not. LADDER – 9 Rungs to a Fully Funded Life. During that event, I was able to finally reveal our major announcement that we are taking the beginning steps toward one of my lifelong dreams – starting a university!

Our first step is the I Was Broke. Now I’m Not. Core Coaching Program. This is a year-long on-line teaching experience. We planned on accepting 100 participants, but every one of those spots was gone within 15 minutes! Crazy! We opened up a few more spots, but then we closed admissions to ensure we could provide an excellent experience to each person who made it in.

While the program is not open for admissions right now, I wanted you to know that we are planning to open it up again in January to help people accomplish their New Year’s Resolution of “changing their financial lives.” Based on this past experience, I expect those openings to go very quickly. If you are interested in being part of this January launch group, we have created a form where you can be “put on the list” to be among the first to receive notification.

Just visit the I Was Broke. Now I’m Not. Core Coaching Program page HERE [or copy & paste this url in your browser: http://www.iwasbrokenowimnot.com/ladders] to learn more and to fill out the form to be placed on the notification list.

Injoy Is Hiring

I’m excited to say that Injoy Stewardship Solutions is hiring!  We are seeking someone who is results and relationship driven for the role of Ministry Relationships Consultant.  This position would be responsible for connecting with ministry leaders to directly influence them to partner with ISS to manage their campaigns and initiatives, consult with church leaders to determine their readiness for launching a capital campaign,  and help them articulate their vision and goals and understand the components of a successful campaign.

Download the full job description HERE.

If you feel like this role would be an incredible fit for you, submit your resume and Synergist Quiz Results to info@injoystewardship.com

Survey Results: Should You Fire Yourself?

Several weeks ago, I asked the question, “Should you fire yourself from the way you’re managing your finances?”

The results are IN.

Out of 117 responses, 80% said “YES.”

So now comes the next question for you to share in a completely anonymous way:

What is the main reason you said you need to fire yourself?”

Thanks for sharing your candid responses! I’ll share everyone’s thoughts in a later blog post.

Mentors Matter

The people who are allowed to speak into your life impacts your ability to make progress.

Stated more simply, “Mentors matter.”

If I had not sought wisdom in managing my personal finances, I would have remained broke. But I did seek wisdom. I’m no longer broke.

If I had not sought wisdom in operating a business, I would have run ours into the ground by now. But I did seek wisdom. I have three healthy businesses.

If I had not sought wisdom in raising up a strong and independent daughter, I would have an obstinate teenager by now. But I did seek wisdom. I have an incredible daughter.

If I had not sought wisdom in running a 26.2 mile marathon, I would have bonked a few miles in. But I did seek wisdom. I have run not one, but two full marathons.

Proverbs 4:7 shares this: “The beginning of wisdom is this: Get wisdom. Though it cost all you have, get understanding.

Don’t skip past the advice about the “price” one should be willing to pay: though it cost all you have

Have you ever sought wisdom though it cost you tons of money?

5 Things Money Can Not Buy

We all know that money can’t buy us everything. It can’t buy love, true happiness, or ensure a stress-free life.

Here is a list of five (frustrating, humorous, maddening) things I’ve discovered money can not purchase.

5 Things Money Can Not Buy

  1. A toilet that will never stop up, overflow, or leak. It will leak, hiss, or overflow at TERRIBLE times (which is pretty much any time a toilet messes up)
  2. Rain. I’ve lived in South Carolina for most of the past 15 years. Our local lake (reservoir) has ALWAYS been in some level of drought condition. Money couldn’t buy rain. Of course, this summer we’ve hardly had a day without rain and the reservoir is bursting at the seams.
  3. Children who obey perfectly.  Turns out that a 3 year old will be a 3 year old whether or not you have money. Can I get an “Amen” from some parents?!?!?
  4. A car that won’t break down. I’ve had nice cars, and I’ve driven scary bad cars. Like 1981 Datsun B-210 bad. I’ve discovered ALL of them break down. One of my vehicles just started to have a “brake squeal.”
  5. Print cartridges that never run out. My print cartridge arrives at empty with impeccable timing – right when we must have it to finish the seven hour assignment from the teacher who believes a bridge built out of toothpicks somehow equals practical real world experience.

Any other frustrating, humorous, or maddening things you can think of that money can not buy? Please share!

Maybe This Is Your Financial Miracle

“Stop it.”

Maybe that is the financial miracle that you need.

Not another book or another seminar.

Not more income or a better job.

Not for your spouse to magically change their financial behavior.

Maybe the financial miracle you are praying for begins by applying these two words: “Stop it.”

NOTE: Variants of these words can also be used: “NO!”, “Not now!”, “Wait.”, or “Some day.” are viable options.

The Major Announcement

We made history last night! It was the largest on-line event I Was Broke. Now I’m Not. has ever hosted! Even more, I was able to finally share our MAJOR ANNOUNCEMENT. I announced that we are taking steps toward one of my biggest life dreams: start a university. We’re starting with a training program we call the “I Was Broke. Now I’m Not. Core Coaching Program” – an exclusive 12 month money coaching program.

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This literally changes everything. You see, hundreds and hundreds of you graciously participated in our “money survey” last spring. As we reviewed your feedback, we were blown away at the incredible challenges people are facing. We saw that people struggle with even writing down their dreams. Tons of people told us that they struggle with investing. Many others are encountering the task of teaching their children about money, but have no idea where to start. Still more don’t know how to engage their spouse in making sound money decisions. Many more didn’t really know where to begin their financial journey and desired a “roadmap” to financial freedom.

As I saw the data pour in, it became clear that our team had to get to work to develop resources to address these issues. Over the past several months, we have went to great lengths (and costs) to find a way to help people transform their financial future. I believe we have come up with something really special.

While you may want to jump in right now, I want you to understand some key requirements:

  1. You must be willing to be challenged in the way you view money
  2. You must be fired up about taking your finances to another level
  3. We need you to provide feedback on how we can improve the program
  4. You will need to have access to the Internet to participate – all of our teaching will be delivered on-line

If you want to be one of the very first graduates of the IWBNIN Core Coaching Program, CLICK HERE to learn more, purchase your spot, and get started.

PLEASE NOTE: We ran out of the initial 100 spots within 30 minutes of the live event last night. We’re so overwhelmed at this response! In an attempt to accommodate more participants, I have taken steps to assign the personnel necessary to open up 100 more spots. Since we are sending this opportunity to 31,556 people, we expect these spots to go VERY QUICKLY so please accept my apologies if you experience a “Core Coaching Program has reached FULL CAPACITY” situation.

Should You Fire Yourself?

If you looked at your financial decisions and management from the viewpoint of a “third party” – what would you say about the manager?

  1. Are your decisions yielding a profit (money given, saved, and invested)?
  2. Maybe you are operating a “non-profit” – where you are making it from month-to-month, but nothing is left over to give, save, or invest., OR
  3. Perhaps you are where I used to be, operating “at a loss” – where you are spending more than you make and feel stuck financially

I realized in December 2002 that “Me, Incorporated” needed to change leadership because I was doing a terrible job. I had to do something that was quite challenging to do: I fired myself.

It was the greatest financial decision I have ever made. In my place, I rehired “a new and improved CEO” Joseph Sangl to lead Me, Inc. This new leader was vastly different from previous management. Here are some key differences this new leadership provided:

  • The new leader was well-read in all things finances (I read TONS of financial books)
  • The new leader was willing to involve his spouse in all financial decision
  • The new leader was willing to prepare a budget every single month AND (Gasp!) stick to it!
  • The new leader was focused on yielding a profit (to give away, save, and invest)

Firing myself was one of the greatest financial decisions I’ve ever made. Do you need to fire yourself? Share your answer in the poll below. Once you’ve voted, you’ll be able to see how others have responded!

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