Momentum is a gloriously dangerous thing. It can either propel you forward or cause you to crash. If you have made it to this point in the process (not just the seminar), then you have created a lot of possibilities that will either greatly enhance or deter your personal, marital, and spiritual life. But either way, at this point something significant will happen.

While debt is a powerful negative force of slavery (Prov. 22:7), money is a powerful neutral force. Well-managed money does not necessarily equal a well-managed life. There are plenty of rich people who have intense mid-life crises and accomplish little of eternal significance with their assets. At the same time, there are many in the lower and middle socio-economic classes who live with great peace and impact the world for God in profound ways.

The point is this; a budget is a means to an end. We make a budget for the same reason we buy a plane ticket – to get somewhere. While the destination is usually clearer when you buy a plane ticket, the amount of movement (ticket-geographical; budget-character) is about the same. The goal of this chapter is to ensure that you experience both aspects of freedom (financial and spiritual) that God intends from implementing the financial wisdom Scripture prescribes.

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