Overwhelmed by Finances? Here’s What to Do First

Feeling Lost With Money? Start Here

Introduction: You're Not Alone in Feeling Lost

Feeling overwhelmed, stressed, anxious, or simply directionless regarding personal finances is a common human experience. For many, money troubles can be profoundly painful and stressful.¹ It’s a reality that Christians are not immune to; many find themselves struggling, perhaps living paycheck to paycheck or burdened by significant debt.² Money worries can become a significant source of anxiety, capable of stealing joy and rest.⁴ If this describes your situation, know that you are not alone—and if you’re overwhelmed by finances, here’s what to do first.

The reasons for feeling financially lost are varied. Crippling debt is a frequent culprit, creating a sense of being enslaved.1 Others feel adrift due to a lack of clear financial planning or budgeting.10 Unexpected life events like job loss, illness, or unforeseen expenses can derail even careful plans.1 Sometimes, past poor decisions contribute to current struggles.1 Often, a pervasive sense of anxiety and fear about providing for the future underlies the feeling of being lost.2

In the face of such challenges, the world offers various starting points: create a budget, earn more income, cut expenses. While practical steps have their place, the Christian journey toward financial clarity and peace begins elsewhere. It starts not with spreadsheets or side hustles, but with prayer. This isn't a call to inaction; rather, biblical wisdom presents prayer as the most foundational and powerful first action one can take, a way to get one's mind right and seek God's help before anything else.3

Why Prayer First? Anchoring Your Finances in Faith

Choosing prayer as the initial response to financial distress might seem counter-intuitive in a world focused on immediate, tangible solutions. However, a biblical perspective reveals why prayer is the essential anchor for navigating financial difficulties.

A. God's Ownership, Our Stewardship: The Foundational Shift

The cornerstone of a biblical understanding of finances is the truth that God owns everything.8 Scripture affirms, "The earth is the Lord’s, and everything in it, the world, and all who live in it" (Psalm 24:1).8 Further passages declare, "Yours, O Lord, is the greatness and the power and the glory and the victory and the majesty, indeed everything that is in the heavens and the earth... Both riches and honor come from You" (1 Chronicles 29:11-12).28 This means individuals are not absolute owners of their possessions or money, but rather stewards or managers entrusted with resources that ultimately belong to God.7

Prayer is the primary means of acknowledging this fundamental reality. It is a conscious act of placing oneself and one's financial situation under God's authority.7 This act initiates a crucial perspective shift. The question ceases to be, "Lord, what should I do with my money?" and becomes, "Lord, what do You want me to do with Your money?".37 This reorientation has profound implications. Much of the anxiety associated with feeling financially "lost" is tied to the fear of losing what is perceived as personal possessions or security.4 When prayer affirms God's ownership, the basis of this anxiety begins to erode. The focus shifts from protecting personal assets to faithfully managing God's resources. While the challenges remain, the crushing weight of personal ownership and the fear of personal loss are reframed within the context of divine ownership and stewardship, addressing a deep root of financial anxiety.3

B. Trusting the Provider: Leaning on God's Promises

Scripture reveals God as the ultimate Provider, Jehovah Jireh.38 He promises to supply the needs of those who follow Him. Philippians 4:19 is a cornerstone promise: "And my God will meet all your needs according to the riches of his glory in Christ Jesus".4 Jesus Himself taught followers not to be anxious about basic necessities like food and clothing, pointing to the Father's care for creation as evidence of His care for His children (Matthew 6:25-34).5 It's important to note the emphasis on needs rather than wants or desires.31

Prayer is the active expression of trust in this divine provision.3 It is the designated channel for acknowledging dependence on God and laying claim to His promises.38 When facing financial lack or uncertainty, prayer becomes the declaration that one cannot manage alone and is relying on God's faithfulness.39 Recognizing God as the provider fosters gratitude and trust, essential components for navigating financial challenges with faith.31

C. Seeking Divine Wisdom: Asking for Guidance

Managing finances effectively requires wisdom, a quality God delights in giving generously to those who ask in faith (James 1:5).21 Prayer is the means by which this divine wisdom is sought.3 Financial decisions – budgeting, spending, saving, giving, investing, debt management – all benefit from God's perspective.

Scripture encourages believers to "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him, and he will make your paths straight" (Proverbs 3:5-6).3 Prayer is the practical application of this submission, asking God to align personal financial plans and goals with His overarching will.3 It ensures that financial pursuits are not driven by worldly values or fleeting desires but are directed by eternal priorities.

D. Finding Peace Amidst Anxiety: Casting Your Cares

Financial difficulties inevitably breed anxiety, worry, and fear.1 These emotions can be paralyzing, hindering clear thinking and effective action.1 God, however, provides a direct antidote to this anxiety through prayer. Philippians 4:6-7 instructs: "Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus".3 Similarly, 1 Peter 5:7 encourages believers to "Cast all your anxiety on him because he cares for you".26

Prayer facilitates this transfer of burden. It shifts the focus from the overwhelming circumstances to the all-powerful God who is capable of handling them.6 This act of presenting specific requests and anxieties to God, coupled with thanksgiving, opens the door for His supernatural peace to guard the heart and mind. Feeling lost often leads to inaction or frantic, fear-driven decisions. Some might misinterpret "trusting God" as passive resignation. However, the biblical command is active: "present your requests".5 Prayer is, therefore, not passivity but a proactive engagement with God concerning the problem.23 It is the vital first step in acknowledging dependence while simultaneously bringing the issue before the One who holds the solutions, establishing a divine partnership for the journey ahead.

Taking the First Step: How to Pray About Your Finances

Understanding why prayer is the first step is crucial. Knowing how to pray effectively, especially when feeling lost and overwhelmed, provides practical direction.

A. Come Honestly and Specifically

Effective prayer begins with honesty. God already knows the situation and the state of one's heart, so approaching Him with complete transparency about feelings – fear, confusion, shame, anger – is essential.23 It also involves being specific about the financial realities: the amount of debt owed, the income needed, the poor decisions made, the specific anxieties felt.3 Vague prayers often lack focus; specific prayers reflect a clear dependence on God for particular needs and demonstrate faith that He is involved in the details.6

B. Pray with Faith and Thanksgiving

Prayer should be offered with faith – believing that God hears, that He cares, and that He is capable of acting.3 Hebrews 11:6 states that "anyone who wants to come to him must believe that God exists and that he rewards those who sincerely seek him".49 Mark 11:24 encourages believing one has received when praying.50 This faith is bolstered by remembering God's power, as described in Ephesians 3:20, where He "is able to do immeasurably more than all we ask or imagine".41

Alongside faith, thanksgiving is a vital component, even amidst hardship.3 Scripture commands giving thanks in all circumstances (1 Thessalonians 5:18).22 This involves thanking God for His character, His past faithfulness, and any current blessings, no matter how small they seem.3 Gratitude shifts focus from lack to provision and acknowledges God's goodness even before answers manifest.

C. Pray God's Word Back to Him

Praying according to God's Word is powerful because His Word does not return void (Isaiah 55:11).40 It aligns requests with His revealed will, providing confidence that He hears (1 John 5:14).31 Using scripture in prayer builds faith and ensures petitions are grounded in His promises and character.39

Table: Key Verses for Financial Prayer

This table provides a starting point for incorporating Scripture directly into prayers concerning specific financial needs and heart attitudes.

D. Pray for Right Priorities and a Content Heart

A significant aspect of praying about finances involves asking God to align one's desires with His. This includes praying to prioritize His Kingdom and righteousness above the pursuit of material wealth (Matthew 6:33).4 It also means asking for contentment with God's provision, whatever the circumstances (Hebrews 13:5; 1 Timothy 6:6-8).4 Agur's prayer in Proverbs 30:8-9 serves as a model: "give me neither poverty nor riches; feed me with the food that is needful for me".7 Praying for protection from the love of money, identified as a root of evil (1 Timothy 6:10), is also crucial.4

E. Persevere in Prayer

Jesus taught the importance of persistence in prayer (Luke 18:1).3 Financial breakthroughs may not happen overnight. It is important to continue bringing needs and concerns to God, trusting His timing and faithfulness, even when answers seem delayed.46

Moving Forward in Faith: Practical Steps After Prayer

Prayer is the indispensable starting point, the anchor, and the source of wisdom and strength. However, faith without corresponding action is incomplete according to Scripture (James 2:20, 26).35 Having laid the foundation in prayer, the next phase involves moving forward with practical steps, guided by the wisdom and peace received from God.

A. The Indispensable Link: Faith Fuels Action

True faith naturally leads to obedience.35 The prayerful foundation laid transforms the approach to practical financial management. Instead of being driven by fear, shame, or mere human effort, actions like budgeting and debt reduction become expressions of faith, trust, and stewardship.15 Acknowledging God's ownership reframes budgeting not as a restrictive chore, but as a faithful management of His resources.15 Trusting His provision lessens the frantic desperation that can accompany debt reduction efforts.4 Seeking His wisdom ensures that the methods chosen align with godly principles.16 Thus, prayer infuses practical steps with faith-based motivation—love, trust, and obedience—rather than fear-based reactions.30 This partnership with God, initiated through prayer, empowers individuals to take necessary actions with confidence and peace.6

B. Seek Godly Counsel

Wisdom is often found in the counsel of others (Proverbs 11:14; 15:22).11 After praying, seeking advice from trusted, biblically sound sources is a wise step. This might include pastors, elders, spiritually mature friends, or reputable Christian financial ministries and counselors.12 Organizations like Crown Financial Ministries 16 and Compass – Finances God's Way 37 offer resources and coaching grounded in biblical principles. Pride should not prevent seeking help when needed.11

C. Develop a Spending Plan (Budget)

Budgeting is presented in Scripture not as a burden, but as wise stewardship.12 It involves understanding one's financial situation—income and expenses—to make intentional decisions (Proverbs 27:23).17 A budget, or spending plan, helps direct God's resources purposefully.15 When centered on Christ, budgeting becomes a spiritual act of honoring God with every dollar.30 Practical steps include tracking income and expenses, prioritizing essential needs (like food, utilities, shelter, transportation) before wants 12, and prayerfully allocating funds for giving, saving, and living expenses.15 Various tools, from simple paper forms to apps and online programs, can assist in this process.12

D. Tackle Debt Wisely

The Bible consistently warns about the dangers of debt, describing the borrower as slave to the lender (Proverbs 22:7).1 Debt can hinder faithful stewardship, restrict freedom, and prevent individuals from fully utilizing resources for God's purposes.7 Romans 13:8 encourages owing nothing to anyone except love.15 Practical strategies, undertaken after prayer and seeking wisdom, include committing to stop incurring new debt 16 and developing a systematic plan to pay off existing obligations.1 Common methods include the Debt Snowball (paying off smallest balances first for motivation) or the Debt Avalanche (paying off highest interest rates first to save money).16

E. Save Consistently

Saving is portrayed as a wise and prudent practice (Proverbs 21:20; Proverbs 6:6-8).12 Building savings creates financial margin, provides for emergencies, helps reach long-term goals, and reduces the likelihood of falling back into debt when unexpected expenses arise.12 A practical starting point is to build an emergency fund covering several months of living expenses.10 Even saving a small percentage consistently is beneficial.17

F. Give Generously

Generosity, including tithing, is consistently presented as a fundamental aspect of Christian financial stewardship.8 It is an act of worship, expressing gratitude for God's provision, acknowledging His ownership, and trusting Him implicitly.17 Giving generously actually helps break the power that money can hold over one's heart.70 Key scriptures like Malachi 3:10, Proverbs 3:9-10, Luke 6:38, and 2 Corinthians 9:6-8 encourage cheerful, faithful giving, often linking it to God's blessing.5 Even when finances are tight, prioritizing giving, even in small amounts, demonstrates faith.36 Our approach to giving serves as a powerful indicator of where our true trust lies—in God or in material resources.29 For someone feeling financially lost, embracing generosity, prompted by prayer, can be both a profound act of faith and a catalyst for experiencing God's provision and freedom from financial anxiety.8

Conclusion: Hope and Next Steps

Feeling lost with money can be a heavy burden, but it does not have to be the end of the story. The core message from a biblical perspective is clear: the most powerful and effective first step is prayer. Anchoring finances in faith by acknowledging God's ownership, trusting His provision, seeking His wisdom, and casting anxieties upon Him provides the essential foundation for moving forward.

God is faithful and He cares deeply about the well-being of His children.26 He promises His presence and provision.4 His desire is not for believers to live in perpetual fear and lack, but to experience the abundant life He offers (John 10:10) 6 and the sufficiency found in His grace (2 Corinthians 9:8).5 Progress toward financial peace and stability is possible, one faith-filled step at a time, beginning with prayer.5

The Parable of the Talents (Matthew 25:14-30) offers a relevant illustration.11 While often discussed in terms of investment returns, its deeper lesson concerns faithfulness. The servants commended were those who acted in faith with what their master entrusted to them. The servant who was rebuked was paralyzed by fear and failed to act.73 This underscores the link between faith (cultivated through prayer) and responsible action.

Therefore, the invitation is not to remain stuck in anxiety or confusion, but to take the crucial first step today: Pray. Bring the specific situation, the fears, the needs, and the desire for wisdom honestly before God. Following prayer, consider seeking godly counsel and exploring resources that align with biblical financial principles.12 The journey out of feeling financially lost begins by turning to the One who holds all resources and wisdom in His hands.

Works cited

1. Hope For the Financially Stressed - Christ Church Midrand, accessed April 14, 2025, https://www.christchurchmidrand.co.za/hope-for-the-financially-stressed/
2. Help! I'm Feeling Stressed about Finances | Crossway Articles, accessed April 14, 2025, https://www.crossway.org/articles/help-im-feeling-stressed-about-finances/
3. Praying for financial help : The best idea for 2025 - Christian Wealth, accessed April 14, 2025, https://christianwealth.com/praying-for-financial-help-the-best-idea-for-2025/
4. 5 Bibles Verses to Meditate on During Financial Struggles | Abide, accessed April 14, 2025, https://abide.com/blog/5-verses-to-meditate-on-during-financial-hardships/
5. 8 Prayers for Times of Financial Stress | Positive Encouraging K-LOVE, accessed April 14, 2025, https://www.klove.com/resources/life/8-prayers-for-times-of-financial-stress-3395
6. A Prayer When Struggling with Finances - TheHopeLine.com, accessed April 14, 2025, https://www.thehopeline.com/prayers/a-prayer-when-struggling-with-finances/
7. A Biblical Approach to Personal Finances — The Shepherd's Church, accessed April 14, 2025, https://www.theshepherds.church/blog/a-biblical-approach-to-finances
8. Biblical Principles for Effective Christian Financial Planning, accessed April 14, 2025, https://www.peakfinancialmanagement.com/post/biblical-principles-for-effective-christian-financial-planning
9. Drowning in Debt - Leadership Ministries, accessed April 14, 2025, https://leadmin.org/articlesarchive/drowning-in-debt
10. A Christian View of Financial Stewardship - traditionalbaptistchurch, accessed April 14, 2025, https://traditionalbaptistchurch.com/a-christian-view-of-financial-stewardship/
11. Money Matters: 10 Biblical Principles of Financial Stewardship - ACCFS, accessed April 14, 2025, https://accounseling.org/marriage/preparingformarriage/money-matters-in-marriage/
12. 20 Ways to Apply God's Truth to Your Financial Crisis - Christian Stewardship Network, accessed April 14, 2025, https://www.christianstewardshipnetwork.com/blog/2020/4/7/20-ways-to-apply-gods-truth-to-your-financial-crisis
13. Fear of Finances: Finding Strength and Wisdom in the Bible - UNCOMMEN, accessed April 14, 2025, https://www.uncommen.org/fear-of-finances-finding-strength-and-wisdom-in-the-bible/
14. Faithful Finance A Guide for Christian Business Owners
    - Convene, accessed April 14, 2025, https://www.convenenow.com/blog/managing-finances-with-faith-a-guide-for-christian-business-owners-to-practice-good-stewardship-and-avoid-debt
15. 10 Financial Principles that are Biblical - Bible League International, accessed April 14, 2025, https://www.bibleleague.org/planned-giving/10-financial-principles/
16. The #1 Debt-Payoff Tool - All Resources | Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/all-resources/the-1-debt-payoff-tool/
17. Six Biblical Personal Finance Principles - Life, Hope & Truth, accessed April 14, 2025, https://lifehopeandtruth.com/relationships/finances/six-biblical-personal-finance-principles/?__hstc=27445283.2f3f33a24b44870ec4a577029c49e44b.1742860800149.1742860800150.1742860800151.1&__hssc=27445283.1.1742860800152&__hsfp=3300808088
18. 10 Bible Verses for When You're Under Financial Stress - Ask About My Faith, accessed April 14, 2025, https://www.askaboutmyfaith.com/blogs/bible-verses-financial-stress
19. 032: Christian Money Management: A Faith-Based Foundation for Your Finances, accessed April 14, 2025, https://www.anchoreddecisions.com/episode/christian-money-management-faith-foundation-for-finances
20. How to Recognize and Overcome Financial Anxiety - Faith+Lead, accessed April 14, 2025, https://faithlead.org/blog/how-to-recognize-and-overcome-financial-anxiety/
21. Why Do Christians Experience Financial Hardships? — Christian ..., accessed April 14, 2025, https://www.christianstewardshipnetwork.com/blog/2022/8/8/why-do-christians-experience-financial-hardships
22. Is There Any Hope for My 'Money Fails'? - The Gospel Coalition, accessed April 14, 2025, https://www.thegospelcoalition.org/article/hope-money-fails/
23. 19 Powerful Prayers for a Financial Miracle from God - wikiHow, accessed April 14, 2025, https://www.wikihow.com/Prayer-for-Financial-Miracle
24. Praying for Financial Provision - Christian Wealth Management, accessed April 14, 2025, https://www.investforthegloryofgod.com/blog/praying-for-financial-provision
25. Pray for Financial Security - Top 5 Biblical Verses - Pilgrim Prayers, accessed April 14, 2025, https://pilgrimprayers.org/top-5-biblical-verses-to-pray-for-financial-security-and-prosperity/
26. Will God Solve Our Financial Problems? - Family Christian, accessed April 14, 2025, https://www.familychristian.com/family-life/will-god-solve-our-financial-problems/
27. How to Start a Christian Blog Today! - Web Design Nigeria, accessed April 14, 2025, https://webdesigns.ng/start-christian-blog/
28. A Biblical View of Finances - Association of Certified Biblical Counselors, accessed April 14, 2025, https://biblicalcounseling.com/resource-library/conference-messages/a-biblical-view-of-finances/
29. What's Your Theology of Money (in 200 Words or Less)?, accessed April 14, 2025, https://www.thegospelcoalition.org/article/theology-money-200-words/
30. 7 Biblical Principles of Money Management: A Christian's Guide to Financial Stewardship, accessed April 14, 2025, https://prayersbase.com/7-biblical-principles-of-money-management/
31. Prayer and Money - FaithFi, accessed April 14, 2025, https://www.faithfi.com/faithfi/prayer-and-money-5843
32. Christian Financial Concepts: Navigating Finances with Faith and Stewardship - Cooke Wealth Management, accessed April 14, 2025, https://www.cookewm.com/blog/financialplanning/christian-financial-concepts
33. 10 Bible Verses About Stewardship of Money - Tithe.ly, accessed April 14, 2025, https://get.tithe.ly/blog/bible-verses-about-stewardship-of-money
34. Heaven's Ledger: Decoding Christian Financial and Wealth Ethics - Abundant Life Church Coffs Harbour, accessed April 14, 2025, https://alc.net.au/heavens-ledger-decoding-christian-financial-ethics/
35. Financial Stewardship: The Practical Side - Andrew Wommack Ministries, accessed April 14, 2025, https://www.awmi.net/reading/teaching-articles/financial-stewardship-the-practical-side/
36. Should I Give or Get Out of Debt? - Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/radio/should-i-give-or-get-out-of-debt/
37. NAVIGATING YOUR FINANCES GOD'S WAY - Compass Financial Ministry, accessed April 14, 2025, https://compassfinancialministry.org/wp-content/uploads/2019/04/Chapter-1-from-Navigate-DVD-Series-Facilitator.pdf
38. 10 Financial Principles That Are Biblical - Back to the Bible, accessed April 14, 2025, https://www.backtothebible.org/post/10-financial-principles-that-are-biblical
39. 76 Powerful Prayers For Financial Breakthrough In 2025 - Divine Disclosures, accessed April 14, 2025, https://www.divinedisclosures.com/prayers-for-financial-breakthrough/
40. A Powerful Prayer for Financial Breakthrough - Patti Fagan, accessed April 14, 2025, https://pattifagan.com/a-powerful-prayer-for-financial-breakthrough/
41. How to Pray for Your Finances, accessed April 14, 2025, https://www.abfboone.com/how-to-pray-for-your-finances/
42. 25 Bible Verses About Managing Your Finances - Pushpay, accessed April 14, 2025, https://pushpay.com/blog/25-bible-verses-about-managing-your-finances/
43. 75 Scriptures for Praying for Financial Breakthrough - Patti Fagan, accessed April 14, 2025, https://pattifagan.com/praying-for-financial-breakthrough/
44. 20 Powerful Prayers For Finances For The Church: Support And Growth!, accessed April 14, 2025, https://prayersbase.com/prayers-for-finances-for-the-church/
45. 221: Should Christians Pray for Financial Prosperity? - The Stewardology Podcast, accessed April 14, 2025, https://stewardologypodcast.com/221-should-christians-pray-for-financial-prosperity/
46. Prayer for financial stability - Crossmap Communities - Christian Forums, accessed April 14, 2025, https://communities.crossmap.com/t/prayer-for-financial-stability/5121
47. 10 Prayers for Money Management Wisdom - Blessed App, accessed April 14, 2025, https://www.blessed-app.com/article/p_924
48. Top 25 Opening Prayers to Start Meetings & Bible Study Sessions - Vanco, accessed April 14, 2025, https://www.vancopayments.com/egiving/blog/opening-prayer-for-a-meeting
49. 8 Ways To Exercise Your Faith For Financial Breakthrough | Christ for all Nations, accessed April 14, 2025, https://cfan.org.uk/connect/bible-studies/8-ways-exercise-your-faith-financial-breakthrough
50. 7 Steps to Prayer That Bring Results - KCM Blog, accessed April 14, 2025, https://blog.kcm.org/7-steps-prayer-bring-results/
51. A Pattern for Prayer - Think Eternity, accessed April 14, 2025, https://thinke.org/blog/a-pattern-for-prayer
52. How to Pray Using the PRAY Method - The Navigators, accessed April 14, 2025, https://www.navigators.org/resource/how-to-pray-using-the-pray-method/
53. Biblical view of wealth and finances : r/Reformed - Reddit, accessed April 14, 2025, https://www.reddit.com/r/Reformed/comments/p33osu/biblical_view_of_wealth_and_finances/
54. Bible Verses about Money and Financial Stewardship, accessed April 14, 2025, https://the-financial-machine.com/articles/biblical-foundations/bible-verses-about-money-and-financial-stewardship/
55. Two Methods of Debt Payoff | Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/radio/two-methods-of-debt-payoff/
56. Bible Verses about Financial Blessings and Breakthrough, accessed April 14, 2025, https://www.biblestudytools.com/topical-verses/bible-verses-about-financial-blessings/
57. Financial Management as a Spiritual Discipline - HOPE Network Ministries, accessed April 14, 2025, https://hopenetworkministries.org/2024/11/financial-management-as-a-spiritual-discipline/
58. Tips for Eliminating Big Debts - All Resources | Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/all-resources/tips-for-eliminating-big-debts/
59. Financial Tools | The Compass Church, accessed April 14, 2025, https://www.thecompass.net/financialtools
60. Navigating Finances God's Way ... a Biblical Financial Study, accessed April 14, 2025, https://courses.financialdiscipleship.academy/courses/nfgw
61. Budget Coaching | Crown.org, accessed April 14, 2025, https://www.crown.org/budget-coaching/
62. Quick Start Guide to Eliminating Debt - All Resources | Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/all-resources/quick-start-guide-debt/
63. Eliminating Debt - Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/eliminatingdebt/
64. Ask Chuck: How to Get Credit Card Debt Under Control - Crown Financial Ministries, accessed April 14, 2025, https://www.crown.org/all-resources/ask-chuck-how-to-get-credit-card-debt-under-control/
65. Navigating your finances god's way - Compass Urban, accessed April 14, 2025, https://compassurban.org/small-group-studies
66. 1. Compass -- Finances God's Way 2. Crown Financial Ministries - Christian Reformed Church, accessed April 14, 2025, https://www.crcna.org/sites/default/files/personal_financial_management_training_programs.pdf
67. Navigating Your Finances God's Way Video Study - Compass Financial Ministry, accessed April 14, 2025, https://compassfinancialministry.org/product/navigating-video-study-workbook/
68. All Products - Compass Financial Ministry, accessed April 14, 2025, https://compassebooks.thinkific.com/collections
69. Kingdom Stewardship - Compass Christian Church, accessed April 14, 2025, https://compassaz.church/adults-and-family/kingdom-stewardship/
70. Five Biblical Principles of Money Management - Lockshield Partners, accessed April 14, 2025, https://www.lockshieldpartners.com/post/five-biblical-principles-of-money-management
71. Money Moves by the Spirit – Provoking Financial Breakthrough - Fathers Heart Ministry, accessed April 14, 2025, https://fathersheartministry.net/money-moves-spirit-provoking-financial-breakthrough/
72. Praying Through Financial Stewardship | Family Ministry Blog | Berean Baptist Church, accessed April 14, 2025, https://www.bereanmn.com/family-ministry-blog/praying-through-financial-stewardship/
73. The Parable of the Fourth Steward - Faith Driven Investor, accessed April 14, 2025, https://www.faithdriveninvestor.org/blog/the-parable-of-the-fourth-steward