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February 2, 2025 • 29 mins

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Speaker 1 (00:02):
Hey there, everybody, and welcome to Pastor Rick's Daily Hope.
And whether today is your first time tuning in or
if you're a regular listener, we're really excited that you're here.

Speaker 2 (00:13):
Well.

Speaker 1 (00:13):
Today, Pastor Rick is continuing his series called Discover Your Destiny,
So get ready to explore the practical steps to grow
in all areas of your life, spirit, mind, body, relationships,
and even your career. So stick with us as we
uncover God's incredible plan for your future. So let's get

(00:34):
right to Rick. Here's part one of a message called
God's Plan for Financial Blessing.

Speaker 3 (00:40):
God has made some incredible promises of financial blessing in
the Word of God, but they all have premises. Now,
before we look at the promises of God, I want
to make something very clear right here at to start.
God does not want everybody in the world to be
a millionaire. God doesn't want everybody in the world to

(01:02):
be enormously rich. The Bible doesn't teach that. Sometimes you
get on TV your radio and you hear some preacher
that's called the prosperity gospel or the health and wealth gospel.
Do you know what I'm talking about? As basically, God
wants everybody to be rich. Not only does the Bible
not teach that, Jesus taught the exact opposite. So before

(01:24):
we look at the promises of God for financial blessing,
I wanted to look at two statements of Jesus. First, Luke,
chapter twelve, verse fifteen, Jesus said, watch out beyond your
guard against all kinds of greed. A man's life does
not consist in the abundance of his possessions. In other words,

(01:45):
life is not about acquisition. It's not about he who
dies with the most toys. The guy who spends his
life getting the most toys has wasted his life. Jesus said,
you're not going to take any of it with you.
I did not put you on earth just to pile
up stuff. The greatest things in life are not things.
Your value and your valuables are not the same. Your

(02:07):
net worth and your self worth are not the same.
It's not about getting. A man's life does not consist
in what he acquires. So you never want to let
the things that money can buy keep you, or rob
you of the things that money can't buy. Now look
at the second passage Luke sixteen. Jesus said this, I

(02:29):
tell you use worldly wealth circle.

Speaker 2 (02:33):
The word use money is to be used.

Speaker 3 (02:36):
You don't love it, you don't serve it, you don't
idolize it.

Speaker 2 (02:40):
You use it. Money is to be used.

Speaker 3 (02:42):
I tell you use worldly wealth to gain friends for yourselves,
eternal friends for yourself, so that when it has gone,
you will be welcomed into eternal dwellings. Now I don't
have time to go into this in detail.

Speaker 2 (02:55):
But we've talked about it.

Speaker 3 (02:56):
For what this versus simply saying is you should use
some of your money to help reach people for Christ,
so that when you get to heaven there are people
there who go, Hey, I'm here because of you.

Speaker 2 (03:06):
I'm your friend forever.

Speaker 3 (03:08):
Because you helped build a church building, you helped finance
a program, you helped reach me for Christ. You bought
a Bible, you shared a book. You use some of
your money to spread the good news, and as a result,
I'm in heaven. I'm your friend forever. It's all he's
talking about here. Then Jesus gives four tests about money management.
He says this, whoever can be trusted with very little

(03:34):
can also be trusted with much. God looks to see
if you can handle what he gives you little, then
he gives you more, and whoever's dishonest with very little
little will also be dishonest with much. Then he says,
second test, if you haven't been trustworthy in handling worldly wealth,
what does that mean? Trustworthy handy world wealth? He's talking

(03:55):
about money management. He said, if you don't manage your
money well, if you're in debt all the time, you're
behind on your payments, you're not saving, you're not tithing,
you're not doing all the different things that God tells
you to do. You're not investing wisely, he said. If
you're not managing your money well, he says, if you
haven't been trustworthy in handling worldly wealth, who will trust.

Speaker 2 (04:17):
You the true richest?

Speaker 3 (04:18):
He's saying, money is a test, and God is determining
what he's going to bless you with in heaven for
eternity based on how you do what he gives you here.
And then he says Number three, if you've not been
trustworthy with somebody else's property, who's.

Speaker 2 (04:34):
Going to give you your own?

Speaker 3 (04:36):
Now I've told you this before. You don't really own
anything on this planet. It's all on loan. God owns it,
and he loans it, and he loans it to you
for about eighty years. It wasn't you yours before you
were born. It's not going to be yours after you die.
He's going to loan somebody else. You don't really own it.
You're not taking it with you. It's just all on loan.
And God says, I'm testing you while you're on earth

(04:56):
to see if you are faithful with what I loaned you.
Who's going to give you your own property in eternity if
I can't trust you with what's mine here on earth.
And then he says number four, no one can serve
two masters. You cannot serve both God and money. Now

(05:17):
circle the word serve. He didn't say you should not serve.
He says you cannot serve. Money should never be served,
Money should never be loved, money should be used. Now,
these passages teach us to very important truths. Would you
write these down? Number one? Money is a tool and

(05:38):
a test. Money is a tool. It's a tool to
be used, and it is a test. What does it test?
God uses money to test your gratitude. God uses money
to test your faith. God uses money to test your priorities.
God uses money to test your values. God uses money

(05:59):
to test how respect and mature you are. God uses
money to test your character. It is a very important test.
And the second thing God says here is that managing
money is a spiritual discipline. Managing money is a spiritual discipline.
It is far more important than you realize. You may think, oh,

(06:22):
I just need to manage my money so I'm not
in debt, or oh I just need to manage my
money so I can live a more comfortable lifestyle. Now
there's nothing wrong with that either of those things. But
money management is far more important than that. The Bible says.
It is the spiritual discipline that God uses. He says,
if you're not faithful with worldly wealth, who's going to

(06:42):
trust you with the true riches of the universe and
the true riches in heaven. Now, there is so much
that the Bible has to say about financial money management, literally,
hundreds and hundreds of versus.

Speaker 2 (06:57):
You may not realize this.

Speaker 3 (06:58):
Jesus spoke more about money than he did either Heaven
or Hell. Half of all of his parables mention money.
A third of all of his parables. His stories deal
with investments, and Jesus commends wise investors and criticizes foolish investors. Why,
because life is a test and life is a trust,

(07:20):
and so there are many many verses. In fact, there
were so many I had to give you a double
outline today. Now, because there are so many verses, I'm
not going to have time to illustrate all these. I'm
going to let the word of God just speak for itself.
Most of these verses are from the book of the
Proverbs of Solomon.

Speaker 2 (07:39):
Now, why is that important?

Speaker 3 (07:41):
Because Proverbs of Solomon's written by King Solomon, who was
the wisest man who ever lived and the wealthiest man.

Speaker 2 (07:50):
Who ever lived.

Speaker 3 (07:51):
So we're not giving you advice from Rick Warren today.
This is advice from the wisest and wealthiest man who
ever lived. And he's in the Bible, and God says
this is true stuff. Now what we're gonna do is
we're gonna look at eight habits for financial blessing. God says,

(08:11):
I have these promises for you. If you do this,
then I will bless you in this way. And you
got to do all of them. All eight are important,
these eight financial habits, it's really an index of where
we're going for the next three years. Now, let's get
right into them. Number one, the first habit for financial
blessing is I must trust God as my source and supply.

(08:36):
I must trust God as my source and supply. Now
what does that mean. It means your source of your
income is not your job. The source of your income
is God. Now he may use a job or anything else,
but that's just a tool. When I turn on a faucet,

(08:58):
I don't really think the faucet is the source of
the water. I know that that water is coming from
northern California. The faucet just happens to get it to me.
It's not the supplier, it's just the channel. Your job
is not your supplier. It's your channel. And if one

(09:20):
fawcet gets turned off, God can turn another one on
just as easily because he's the supplier. Does that make sense? Now,
Not only is God the supplier of your financial blessing
and the source of it, he is the security, the
source of your security. You See, if you're going to
have security, you must put it in something that can
never be taken from you. You can lose your money,

(09:44):
you can lose your savings, you can lose your job,
you can lose your.

Speaker 2 (09:48):
House, you can lose the people you love.

Speaker 3 (09:50):
The only thing that can never ever be taken from
you is the unconditional love of God. So I suggest
you put your security not in how much you got
in the bank, but how much love God loves you with,
because anything else.

Speaker 2 (10:04):
Can be taken from you. And if you don't, how do.

Speaker 3 (10:06):
You know when something other than God is your security?

Speaker 2 (10:09):
Real? Simple you worry.

Speaker 3 (10:12):
Worry is the warning light that you are trusting something
other than God for your security and your supply. Now
look at these verses Romans eleven thirty six. Everything comes
from God. Everything exists by His power, and everything is
intended for His glory.

Speaker 2 (10:32):
God owns it, but God owns it to you while
you're here on earth.

Speaker 3 (10:37):
Deuteronomy eight eighteen says this, always remember the Lord. Remember
the Lord your God, for it is he who gives
you the ability to produce wealth. Now circle the phrase
produce wealth. God wants you to be a wealth creator.

(10:57):
I didn't say that. The Bible says it. God puts
you on this earth, and one of the things you're
to do is you are to produce wealth. You are
to create wealth. Now, there are makers and there are
takers in life. There are people who create wealth, and
those are people who just use it. Right now, in
our culture, about sixty percent of Americans take more out

(11:21):
of the economy than actually put in it.

Speaker 2 (11:23):
There are more takers than there are makers.

Speaker 3 (11:25):
God says, I give you the ability to create wealth. Why,
because this is the way God's economy works. We will
never raise people out of poverty through wealth redistribution, only
through wealth creation.

Speaker 2 (11:42):
Big difference. Does that make sense?

Speaker 3 (11:45):
Wealth redistribution is socialism, wealth creation is Christianity. God says,
the only way you can get people out of poverty
is jobs.

Speaker 2 (11:56):
Create jobs.

Speaker 3 (11:58):
You can never give people enough money because as soon
as you give it to him, it's used up and
you have to give more. In the last fifty years,
the West has put about fifty trillion dollars into Africa,
and the standard of living is lower in most of
those countries than it was fifty years ago.

Speaker 2 (12:13):
Why.

Speaker 3 (12:14):
Because they don't need a hand out, they need a
hand up. They don't need just aid, they need trade.
They don't need wealth redistribution.

Speaker 2 (12:23):
They need wealth creation.

Speaker 3 (12:26):
And my goal for you is that in the next
ten years you will be a wealth creator.

Speaker 2 (12:32):
Now write this down.

Speaker 3 (12:33):
God wants me to be a wealth creator and a
kingdom builder.

Speaker 2 (12:38):
Don't confuse these. God says he wants you.

Speaker 3 (12:40):
To be a wealth creator, in other words, a generator
of wealth, but a kingdom builder, not a wealth builder,
because the Bible says, don't store up treasure here on earth.
Money is like manure. You pile it all up, it
starts stinking. You spread it around. It makes things grow.
It is a tool to be used, not to be hoarded.

(13:03):
And so God says, I want you to be a
wealth creator, but I want you to be a kingdom builder. Now,
the next verse says proverb sixteen three. Commit your work
to the Lord, and then your plans will what circle
the word succeed. God says, I want you to succeed
in your work, but you've got to commit it to me.
You got to trust me as a source and supply.

(13:25):
Whatever you want God to bless, you put him first
in You want God to bless your marriage, put him
first in your marriage. You want God to bless your work,
put him first in your work. If you want God
to bless your time, you put him first in your time.
If you want God to bless your health, you put
him first in your health. You trust God as your
source and supply. Number two second habit you must develop.

(13:45):
I must do my work as an act of worship.
If I want God's financial blessing on my life, I
must do my work whatever I'm doing as an act
of words. And no matter what you do, you may
sweep the streets. It's more than just a job. God says,

(14:08):
it's to be an act of worship. Look at this
verse up here on the screen.

Speaker 2 (14:12):
Whatever you do, work at it with all your heart.

Speaker 3 (14:16):
That means with enthusiasm. You're to work with enthusiasm as
working for the Lord, not for men. What does that mean?
It means your boss sitting really your boss. She may
be your supervisor, but your boss really is God. You're
doing it as if you're working for the Lord no
matter what you do. Now, let's say you work at

(14:37):
a hotel and you clean rooms and make beds. If
you're doing for the Lord, if you think Jesus is
gonna sleep there, you're gonna do a better.

Speaker 2 (14:44):
Job of making that bed.

Speaker 3 (14:46):
Oh baby, Yeah, So your standard of excellence goes up
when no matter what you're doing is Lord. I'm taking
out this garbage is if I'm doing it for you.
I'm washing these dishes as if I'm doing it for you.
I'm closed in the sale, I'm making this deal, I'm
delivering this product as if I'm doing it for you.
Every act of work can be an act of worship.

(15:09):
Martin Luther said, you can milk cows to the glory
of God. There is nothing that you cannot say in
legitimate work, do it for the glory of God. Whatever
you do, you do it with all your heart. Now,
some of you, your heart isn't in your work. You're
not doing it with enthusiasm. You can barely get alongier
than you're in the wrong job because life is too

(15:30):
short to spend it doing work.

Speaker 2 (15:32):
Your heart isn't in. There's a lot more. In fact,
it's a sin.

Speaker 3 (15:37):
The Bible says, whatever you do, work at it with
all your heart. If you can't do what you do
with all your heart, you need to change jobs, because
it needs to be an act of worship. Now, what
kind of work does God bless? He blesses all kinds
of work, as long as it's done. Five ways you
might write these down, it's these next five verses. First,

(15:59):
God bless his planning. Look at that verse at the
bottom of the first page. Proverbs twenty one, p.

Speaker 2 (16:05):
Five.

Speaker 3 (16:06):
Good planning and hard work leads to prosperity, but hasty
shortcuts lead to what poverty. God blesses planning. That's the
first thing he does. God blesses planning. He wants you
to plan your work, and he wants you to work
your plan. Number two, God blesses initiative. He not only

(16:28):
wants you to plan your work, he wants you to
take the initiative. God never blesses laziness. The Bible says
in Proverbs ten four, lazy hands make a man poor,
but diligent hands will bring what. Well, Now, what does
he say? He said, stop waiting for your ship to

(16:49):
come in, swim out to it. You got to take
the initiative. You got stop waiting for something to happen.
You take deniciation. He says, you need to make a plan,
and then you need to take the initiative.

Speaker 2 (17:05):
That's what God blesses in wealth creation.

Speaker 3 (17:07):
Number three, God blesses integrity. God bless his integrity. If
you want God to bless your finances, you must be honest.
That means you pay your taxes and you don't cheat people.
God never blesses dishonest gain in any way. Proverbs sixteen eleven.
The Lord demands fairness in every business deal, so he's

(17:32):
not gonna bless it if it's unfair. He sets the standard.
God says, I want you to plan your work. I
want you to take the initiative. I want you to
have integrity and do it with honesty. Number four, God
blesses focus.

Speaker 2 (17:45):
He says, you need to stay focused.

Speaker 3 (17:47):
Don't just keep moving around from project to project, jumping
around from job to job, from idea to idea, from
opportunity to opportunity. Get an idea and stick with it.

Speaker 2 (17:56):
Stay stay focused.

Speaker 3 (17:59):
You don't get distracted by pipe dreams everything that comes
along Proverbs twelve eleven. Hard work brings prosperity. Only fools
waste time chasing fantasies. And then number five, God blesses persistence.
In other words, when you get a job, you keep
at it. You don't give up the first time you

(18:21):
have a failure. You don't give up the first time
the stock goes down. You don't give up the first
time somebody looks at you crossways and criticizes you for
what you're doing. You are persistent. The Bible says, wealth
from get rich get rich quick schemes quickly disappears, but
wealth from hard work grows. You ever heard the phrase

(18:43):
easy come, easy go, Well, that's where it comes from.

Speaker 2 (18:46):
It comes from this verse. It's from the Bible.

Speaker 3 (18:48):
Money that is made quickly and easily is gone quickly
and easily. It is not an accident that people who
win the lottery are often bankrupt within about five to
ten years. Why they made it so quick, they had
no skills to deal with it.

Speaker 2 (19:04):
And they lose it very quickly.

Speaker 3 (19:06):
So God says work can be an act of worship.
You know in Proverbs thirty one that chapters about what
makes a godly woman? Do you ever want to know
what a godly woman is? You read Proverbs thirty one,
and that Proverbs thirty one, it talks about a guy's wife.
She's a business woman. She's a businesswoman. Let me read

(19:28):
you a little of it. Proverbs thirty one, Verse fifteen.
She gets up before down and prepares breakfast for her household,
and then plans the day's work for her servant girls,
which means she's got staff. She's actually creating jobs. She
inspects a field and buys it with her earnings. She's
buying property, and she's paying for it with her own money.

(19:48):
She's energetic and strong, she's a hard worker. She watches
for bargains. There's a biblical basis for using coupons. And
she helps the poor, the godly Wollman there is a
business woman.

Speaker 2 (20:02):
She's contributing in her way.

Speaker 3 (20:04):
Okay, number three third habit, You're gonna have to develop
keep good records. If you want God's financial blessing on
your life in the next ten.

Speaker 2 (20:16):
Years, like I want it to be for you.

Speaker 3 (20:18):
If you want to get out of debt, you want
to be financially free, You're going to have to keep
good records. This is a principle of accounting. That means
you write it down. You got to keep track of
your finances. You say, oh, rick, I hate to do that. Yeah, Well,
you say, I don't have time to do it. Do
you have time to worry? If you wrote everything down,
you'd have a whole lot less to worry about. Now,

(20:39):
notice this verse Proverbs twenty seven twenty three twenty four.
Riches can disappear fast. Everybody agree with that part. Okay,
riches can disappear fast. So watch your business interest closely,
know the state of your flocks and herds. Then why
you say flocks and herds? Because when the Bible's written

(21:01):
this passage here, all wealth was tied up in your livestock.
You can easily tell who was rich in Bible days.
If you had a lot of cows, a lot of sheep,
a lot of goats, you were wealthy. If you had
no animals, you were poor. There were no banks, there
were no stocks, there were no businesses per se. Everybody's
wealth was tied up in there in the animals that

(21:24):
they had. So he says, when he says no your flocks,
he's saying watch your business interest today. Instead of saying
no your flocks, God would say no your stocks. In
other words, you need to know where they're going now.
He says, riches can disappear fast. People say money talks.
It does not. It just walks away quietly, and you

(21:45):
end up with more, you know, more of the month
left over. At the end of the money, you go
where is all this going? Anytime you say I just
don't know where it goes, it means you're already in trouble.
Because easy credit plus ignorance equals disaster. You must keep
good records. It's a warning. If you don't know where

(22:06):
it's going, you are already headed in deep trouble. You
got to keep good records. One Corinth in sixteen to two.
On the first day of every week, that's Sunday, when
you go to worship, put aside some of what you
have earned during the week and use it for the offering. Now,
the amount depends on how much the Lord has helped

(22:28):
you to earn it in a proportional giving. Now, this
verse is primary about planning your tithing. But that's not
why I put it in there. I put it in
there because I want you to circle the phrase put aside.
Put aside. You can't set aside some for the offering,
or you can't set aside some for savings, or you
can't set aside some for vacation. Unless you're keeping good records.

(22:51):
You can't put aside anything if you don't know what
you've got and where it's going.

Speaker 2 (22:57):
You must keep good records. Habit number four.

Speaker 3 (23:02):
If you want God's blessing on your finances, give the
first ten percent back to God. Give the first ten
percent back to God.

Speaker 2 (23:11):
Now, I don't have to.

Speaker 3 (23:11):
Spend time on this because this is tithing. Most of
you know this principle, and most of you are tithers
in this church. Tithing means the first ten percent I
give back to God. Tithe means ten or ten percent.
Proverbs three nine and ten says this honor the Lord
by giving him the leftovers of all your income.

Speaker 2 (23:31):
Oh, that's all it says. Is what's it? Say? First part?

Speaker 3 (23:35):
Circle that first part That means right off the top,
right off the top, and he will feel your barns
to overflow. You say, Rick, why if God say give
him back ten percent?

Speaker 2 (23:45):
Why ten? I don't know. I really don't know. When
it's one of the questions on mine.

Speaker 3 (23:51):
I've got a list of things I'm gonna ask God
when we get to heaven.

Speaker 2 (23:55):
One of them is he I.

Speaker 3 (23:56):
Mean, you could have said five percent. He could have
said twenty percent. He could have said two, he could
have Why he said ten?

Speaker 2 (24:01):
I don't know.

Speaker 3 (24:03):
The point is God doesn't need my money. He just
wants what it represents my life, and the most sensitive
nerve in my body goes from the heart to the wallet.

Speaker 2 (24:12):
Now look at the next verse.

Speaker 3 (24:15):
The purpose of tithing is to teach you to always
put God first.

Speaker 2 (24:19):
In your lives.

Speaker 3 (24:20):
That's what it's there for and tithing does three things.
It's a statement of gratitude God, I wouldn't have anything
if it weren't for you. It's a statement of purpose. God,
your first in my life. So I'll give you the
first part of my money on the first day of
the week. And it's a statement of faith. God, I
believe you you'll keep your promises that if I put
you first, you'll take care.

Speaker 2 (24:38):
Of all my needs.

Speaker 3 (24:39):
So it's gratitude, it's priority, and it's faith. Now in
Malachi three ten, God says this, bring to my storehouse.
That's the temple. It's where you worship. Bring to my
storehouse a full tenth of what you earn. Two percent
not a tithe. Eight percent. Ten percent is a tithe.
Bring a full tenth of what you test me in this,

(25:01):
says the Lord. And see if I will open a
window blessing for you and pour out all the blessings
you need. There are more promises in the Bible about
tithing than anything else. Now, let me just give you
a suggestion here. If you have a hard time remembering
to honor God with the first part of your income,
let me give you a simple, easy tip online giving

(25:24):
you can just set it up automatically, so you make
God part of your regular schedule in your giving. Now
number five, this was just as important as tithing. I
must save and invest.

Speaker 2 (25:36):
For the future.

Speaker 3 (25:38):
You must save and invest if you want God's blessing
on your life. You can't just tithe. You can't just
keep good records, you can't just honor God. You must
save and invest for the future. Now, the Bible calls
savings God's IQ test.

Speaker 2 (25:57):
It really tells how smart you are with you're saving
or not.

Speaker 3 (26:01):
In Proverbs twenty one twenty, the wise man saves for
the future.

Speaker 2 (26:07):
That's what that's wise. It shows you're smart.

Speaker 3 (26:10):
But the foolish spends whatever he gets. Did you know
if the average Japanese saves twenty five percent of their income,
the average European saves eighteen percent of their income. Last
year in America, the average American spent one percent more
than he made. Now, let me give you a question

(26:30):
that will help you increase your savings ability. You just
asked this question do I really need this? You just
ask yourself that question you start to buy something. Could
I put this money in the bank and save it,
or do I really need this? You see, when you save,
you're getting your money to work for you. The problem

(26:51):
is most people are poor or never get out of
debt because they're working for their money instead of getting
their money to work for them. When you say, every
time you saved, every time you invest, you're getting your
money to work for you. Money should work for you,
not you for money. Does that make sense? The Bible
says that savings and investing is a mark of wisdom.

Speaker 1 (27:20):
Hey, everybody, thank you so much for joining us today
on Pastor Rick's Daily Hope. You know, just a short
time back, God put it on Pastor Rick's heart to
connect with a team of leading health experts and they
created the Daniel Plan. Meet Joel.

Speaker 4 (27:37):
I tried to lose weight. I tried to make the changes,
and nothing seemed to work because it was all based
on my willpower. When I started with the program, I
immediately noticed changes, mainly because I wanted to be healthy.
I had the tools to eat properly, I understood exercise,
and I had motivation. I saw that I could get healthy. Finally,

(28:00):
that I can make the changes that I tried my
whole life to make.

Speaker 1 (28:03):
You know, more than one hundred and eighty thousand people
are following the Daniel Plan Yeah, to lose weight, increase
their energy, and improve their relationships and all while growing
closer to the Lord. And they're doing it with the
Daniel Plan.

Speaker 4 (28:20):
I've lost seventy five pounds and I've reached what I
think is my ideal weight where I feel healthy. In fact,
I just recently competed in an Ironman triathlon competition that's
one hundred and forty point six miles of racing. When
I found the Daniel Plan and its principles, I was
given the tools to finally make the changes.

Speaker 1 (28:41):
I sure hope you'll let Pastor Rick send you a
hardcovered copy of his best selling book, The Daniel Plan today.
It's his way of saying thanks so much for your
financial gift to this listener supported ministry. Just go to
Pastorick dot com to get your copy of this great resource.
That's pastor dot com. Or you can just text the

(29:02):
word Hope to seven oh three to oh nine. That's
the word hope to seven oh three oh nine, and
thank you so much for your support. Your gift to
Daily Hope really helps us share the hope of Christ
with people all over the world. Be sure to join
us next time as we look into God's Word for
our daily hope. This program is sponsored by Pastor Rick's

(29:25):
Daily Hope and your generous financial support.
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