Financial Studies

What the Bible says about money

From Riches to Wealth

Growing wealth from a Biblical perspective • January 22, 2013 • Benham Brothers

Fair Market Value

What true FMV is and how to bring it back • January 15, 2015 • Benham Brothers

Definition of fair market value - "the price a buyer is willing to pay and a seller is willing to sell with a clear conscience before God." Today we have taken out the reference to God, thus absolutizing the market itself. The market has become the absolute standard - it governs itself. When this happens it will naturally gravitate towards greed. Why? Because man is naturally sinful and apart from God he's naturally greedy. Case in point - Jacob was the buyer, Esau was the seller. Esau had something of extreme value he didn't want to sell. Jacob wanted what Esau had. Esau wanted what Jacob had (food). We have a market! The buyer, Jacob, sees the seller in a desperate situation and takes full advantage of the situation. Jacob gets the bargain of a lifetime and Esau lost something of extreme value. There's way more to this story than we can go into (Esau despised his birthright). The question is - Would Jacob have taken advantage of Esau if he had an eye toward God as the judge of His actions in this exchange? Jacob loved God and desired a good thing by wanting God's blessing, but He should have let God bring it to him and not grabbed it for himself. In a market apart from God the ends will always justify the means. When greed takes place in the market people cry for order and they begin to critcize the market that nurtured the greed. It's not the market's fault - it's the fact we took out the absolute standard by which we can govern the market. The order people will cry for, when they have rejected God, is man (government)! We see this in America today - a beautiful capitalist system with crazy government oversight because we have rejected the God Who should be governing the market itself.

The Best Way to Help the Poor

How giving opportunity is better than giving money • February 16, 2017 • Benham Brothers

* Notice who this command is given to - land owners. * It was the responsibility of those who owned the wealth to share it with those who didn’t. * But how? * They were not to “harvest” to the edges of their field. Pay attention to this command. * The command wasn’t for them to harvest all of it and to give a portion aways. * This meant the poor people were supposed to harvest it themselves. * In doing this it put value on WORK. * The best thing the land owner could do, the most charitable thing, was to not give money, but to give OPPORTUNITY! * The principle in Scripture is that if you don’t work you don’t eat. * This is how important work is - it’s God’s original command to us in Exodus 20:9 - Six days you shall work….. * We are supposed to be working people, and our generosity is geared toward giving others work. * And for poor people, you should want to work, not just get handouts. * Work is our way of creating, just like God created in 6 days - He gives us the ability and command to do the same.

Generous Mindset

How to make sure you're always living generously • March 23, 2017 • Benham Brothers

* The generous mindset is always focused on others, not itself. * It says, “Does this person need this money more than I do?” * A generous mindset is always win-win. * A poverty mentality is always focused on itself. * It says, “How can I get the best deal, even if it costs the other person.” * A poverty mindset is always win-lose. * Example - you hire a contractor who needs the work, but you talk him down on all his prices to a point where he’s working for a small hourly wage. * This is having a poverty mindset. * It’s always trying to take everything it can get without the thought of how it affects others. * If you pay him for what he’s worth, even giving a little bit more, you have a generous mindset. * You can tell a person like this by how they stack their plate up at potluck. HA HA! * They typically want to go first and they hit it hard. * Example - the pizza guy delivers a pizza and you leave him a $20 tip because you think, “This $20 means more to him than it does to me.” * That’s the generous mindset. * God wants us to live generously.

How To Use Money

Six lessons on using money • March 22, 2018 • Benham Brothers

* In Deuteronomy 23 -26 we see a series of commands coaching the people on HOW to do certain things. * 1) Deuteronomy 23:18 - HOW You Earn It. * God is concerned with HOW you earned your money. * 2) Deuteronomy 23:24-25 - HOW You Receive It. * Don’t make a business out of getting money from people (don’t take advantage of their good will). * 3) Deuteronomy 24:10-13 - HOW You Lend It. * Consider the well-being of your debtor. * 4) Deuteronomy 24:19 - HOW You Give It. * Have a generous mindset. * 5) Deuteronomy 25:13-16 - HOW You Trade It. * Be honest in your work. * 6) Deuteronomy 26:1-15 - HOW You Tithe It. * Give God the first part and watch Him blessing it.

500% Return

What living generously did for this woman • May 8, 2014 • Benham Brothers

Hannah prayed for one son and God gave him to her. She was willing to give him back to God. Hannah then praised God for his ossum mighty power, not mentioning her son or petitioning for more (1 Sam 2:1-10). God was moved by her thanksgiving and praise and gave her a 500% return on her investment! She ended up with 5 kids!

Don't Run After It

God will bring the wealth in His time • June 1, 2017 • Benham Brothers

* Two men in the same business but with two different goals. * Elisha’s end goal was that God would be brought glory. * Gehazi wanted God to get the glory and himself to get the gold. * Gehazi called Naaman “the Aramean,” fully recognizing he was an enemy to Israel. * He may have thought, “Isn’t the wealth of the wicked stored up for the righteous?” * This was true, but the righteous never have to chase it. * Elisha refused the reward - it was not “the time” to receive rewards. * Elisha’s services weren’t for hire - he was simply to obey God’s command. * But Gehazi had witnessed Elisha’s ossum power for a long time and new now he could cash in. * Notice - the reward came to Elisha - he didn’t have to go after it (even though he refused it). * Gehazi had to run after it - and it was his running that proved his motive - he wanted it bad. * Elisha didn’t say receiving a reward was wrong - he just said it wasn’t the right time. * Gehazi wanted Naaman’s stuff so he got Naaman’s stuff. * He got to keep the gold but he had his leprosy to go along with it. * The same will happen to us when we allow our ambition to take the lead. * If God wants us to have something He’ll bring it to us in His time in His way.

God Will Bring It To You

How God takes care of your needs • June 26, 2014 • Benham Brothers

The Aramaians were camped against Israel but then God caused them to flee, leaving behind all their stuff. It was a TON of stuff - good stuff! Articles of silver and gold, etc. The Israelites could have gone and gotten that stuff by sending troops to Aram, but they didn't. God brought it to them! Imagine the army of Aram carrying all that stuff to Israel only to give it to them! This is what happened. Whatever you have your heart set on don't focus on it - otherwise you'll go and get it. Just let God bring it to you - you'll get to enjoy the blessing of it without the headache of it! If God wants you to have it He'll bring it to you. 2 Kings 8:15 - Tale of two kings: Hazael and David. Both guys were told they would become king. David stayed and tended sheep and let God bring the kingdom to him. Hazael went out and made it happen, thus leading him into murdering the current king to make it happen. Either you are going to be blinded by your ambition or you are going to die to it - one or the other will happen.

Give - Give

How God responds to generosity • June 28, 2018 • Benham Brothers

* Solomon offered 1,000 burnt offerings on the altar when he was inaugurated as king. * There was no command to do this and was WAY more than customary. * This is like giving hundreds of thousands of dollars away. * He spared no expense for God. * How did God respond? * He decided to give Solomon something in return - a chance to ask for “anything” he wanted. * Solomon gave to God what was already God’s (the animals) and so God gave Solomon something he didn’t have - wisdom. * Key - give God what you have and then you can expect him to give back to you a hundredfold return. * Solomon’s wisdom was far more valuable than 1,000 animals.

Wealth of the Wicked

How to get it and keep it • July 20, 2017 • Benham Brothers

•Haman got what was Mordecai’s and Mordecai got what was Haman’s. •The wealth of the wicked is stored up for the righteous - Proverbs 13:22. •But notice that righteous Mordecai would have never inherited this wealth had he not first taken a courageous stand. •Just like the Israelites entering the Promised Land - they had to fight to get it. •But the focus doesn’t have to be on wealth - it has to be on righteousness (being right with God). •As we focus on being right with God He handles the wealth transfer as He sees fit.

Understanding Wealth

Seeing wealth properly is the key to using it wisely • May 4, 2017 • Benham Brothers

* Having wealth apart from understanding is like being a beast. * Give a bear $100 - what’s he gonna do with it? * He’s got no understanding. * The writer of this Psalm “understood” that money came from God and is God’s. * He saw himself simply as a steward. * A steward has possession but not the rights of ownership. * Those without understanding see money as “theirs” and claim ownership. * If an untrained dog goes to a park and finds a table full of food, what’s he do? * He treats it like it’s his because he doesn’t have understanding. * A person with wealth but no understanding is like a beast that perishes. * How many funerals for a wild animal have you been to? * Understand these two things: * 1) Your money is God’s. * 2) Your money is a tool to be used for His service.

Your Best Asset

How to increase your wealth through self help • August 18, 2016 • Benham Brothers

• Prov 22:29 - When you’re faithful to God in your work you will receive promotion, as God defines it for you. • You will serve influencers. • Mark 13:9 - When you are faithful to God in your walk you will experience persecution. • Proverbs 23:1-3 - When you are good at what you do the level of customer will increase. • People won’t care about the price as much as the quality of your service. • You will be serving and hanging out with wealthy influencers. • Key - When you’re at this level, don’t crave what they have - be content with what you have. • Success brings more Options, More options can lead to diffused focus, Diffused focus undermines what brought you success. • STAY FOCUSED on God and don’t compare. • Proverbs 24:27 - assets vs liabilities - your business is an asset, your house is a liability. • Principle - Build your source of revenue before you build your house. • You need to focus on building assets first, and then allow a liability to be purchased by the asset. • The primary asset you should focus on is YOU! Become valuable. • Then do three things: • 1) Live below your means. • 2) Delay your gratification. • 3) Pay your tithes - be generous.

When Wealth Chases After You

Defining the person money runs after • August 20, 2015 • Benham Brothers

Wealth is stored up for the righteous - those in “right relationship” with God. It’s not stored up for those who go after it. All we have to do is focus on being in right relationship with God, and He will store up the wealth. We don’t have to focus on storing anything up - that would take our focus off God. We then need to define wealth. PROFIT - anything that leads to LIFE (Mark 8:36). RICHES - the abundance of a valuable possession, as God defines value. WEALTH - the constant flow of both profit and riches.

The Millionaire Next Door

Six characteristics of truly wealthy people • August 17, 2017 • Benham Brothers

* In the book “The Millionaire Next Door” the authors point out that the majority of millionaires in America don’t want people to know they’re wealthy. * Hence, they live “next door.” * Check out six characteristics they found to be true for the majority of these wealthy people: * 1) They work their entire adult life in the same place. * 2) They own their own business. * 3) They live next door to people a fraction of their wealth. * 4) They are compulsive savers and investors. * 5) They made money on their own. * 6) They have married once and stayed married.

How To Grow Rich

A lesson from the 20 mile march • August 13, 2015 • Benham Brothers

Vs 2 - Profit / Riches / Wealth. Vs 4 & 5 go hand-in-hand for teaching us how to work. Vs 4 talks about HOW you work - with diligence. We are to be actively moving forward every day in every area - physical, emotional, mental, spiritual. Vs 5 talks about WHEN we work - there is a time for everything. We know when to work and when to rest. When you're moving forward in all areas you'll know when to do both. 20 Mile March - two groups on a trip to the South Pole (1,400 miles). One reached the goal two months before the other, 360 miles ahead. What was the difference? Two main things: 1) Preparations (vs 4) - the first group planned for the best and prepared for the worst. They didn't rely on others (supply depots). The other group prepared lean and relied on the supply depots. 2) Pace (vs 5) - the first group paced themselves to slowly and methodically move 15-20 miles a day, never more, never less. On the good days they held back / On the bad days they pushed forward. They did not allow their environment to determine their effort. The second group hit it hard on the good days and relaxed on the bad days. They pushed themselves to exhaustion.