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					            Kingdom Investing: The Believers Guide to Leaving a Legacy

Legacy: (Webster) : a gift by will especially of money or other personal property : something
transmitted by or received from an ancestor or predecessor or from the past (Syn.: and
inheritance or birthright)
Gen 31:14 “And Rachel and Leah answered and said unto him, Is there yet any portion or
inheritance for us in our father's house?”
Num 27:4-11 “Why should the name of our father be done away from among his family,
because he hath no son? Give unto us therefore a possession among the brethren of our father. 5
And Moses brought their cause before the LORD. 6 And the LORD spake unto Moses, saying,
7 The daughters of Zelophehad speak right: thou shalt surely give them a possession of an
inheritance among their father's brethren; and thou shalt cause the inheritance of their father to
pass unto them. 8 And thou shalt speak unto the children of Israel, saying, If a man die, and
have no son, then ye shall cause his inheritance to pass unto his daughter. 9 And if he have no
daughter, then ye shall give his inheritance unto his brethren. 10 And if he have no brethren,
then ye shall give his inheritance unto his father's brethren. 11 And if his father have no
brethren, then ye shall give his inheritance unto his kinsman that is next to him of his family,
and he shall possess it: and it shall be unto the children of Israel a statute of judgment, as the
LORD commanded Moses.”
1 Chr 28:8 “Now therefore in the sight of all Israel the congregation of the LORD, and in the
audience of our God, keep and seek for all the commandments of the LORD your God: that ye
may possess this good land, and leave it for an inheritance for your children after you for
Prov 13:22 “A good man leaveth an inheritance to his children's children: and the wealth
of the sinner is laid up for the just.”
“...For the children ought not to lay up for the parents, but the parents for the children.” 2 Cor.
Eccl 11:1 “Cast thy bread upon the waters: for thou shalt find it after many days.
Heb 11:8-9 “By faith Abraham, when he was called to go out into a place which he should
after receive for an inheritance, obeyed; and he went out, not knowing whither he went. 9 By
faith he sojourned in the land of promise, as in a strange country, dwelling in tabernacles with
Isaac and Jacob, the heirs with him of the same promise:”

                                     (See Appendices I & II)

           Kingdom Investing: The Believers Guide to Leaving a Legacy

                              Investing For Your Legacy
Principal I: Investing IS Scriptural.
Evil Investing:
   1. Greed (Luke 12:15),
   2. Get rich quick (Proverbs 23:4-5),
   3. Envy: the desire to achieve based on other people's successes (Psalm 73:3)
   4. Ego Massage (Proverbs 29:23)
   5. Pride: the desire to be elevated because of material achievements (1 Timothy 6:17)
   6. Ignorance: following the counsel of other misguided people because of lack of
      discernment (Proverbs 14:7)
Biblical Investing
   1. Good Stewardship (Luke 19:12-27)
   2. Future Needs (Proverbs 6:6-8)
"All a man's ways seem innocent to him, but motives are weighed by the Lord." (Proverbs
                     Three Biblically Sound Reasons for Investing
1. Multiply to give more. The parable of the talents recorded in Luke 19:12-26 tells us that
God entrusts wealth to some of His stewards so that it will be available to Him at a later date.
The management of the wealth requires that it be invested or multiplied.
2. Meet future family needs. The indication throughout God's Word is that the heads of
families should provide for their own (1 Timothy 5:8). Good planning requires laying aside
some of the surplus for future needs.
*3. Further the Gospel and fund special needs. This type of giving is necessary to maintain
and promote the Gospel. If the church is ever to break out of the borrowing habit, Christians
who invest must maintain some surpluses and be willing to give to legitimate needs.

            Kingdom Investing: The Believers Guide to Leaving a Legacy

             Givers                         Supporters                           *Investors
      Convenience giver              Usually Church Members            Dedicated Covenant Partners
      Not necessarily                May or may not be tithers          that see giving as a privilege
       committed to a particular       but always give at least a        Faithful in Tithes & Offerings
       church                          certain amount                    Understand Biblical Principals
      Traditional                    Can be counted upon for            of Giving, Church Vision &
      Bare minimum                    that certain amount                Importance of Supporting
      No understanding of            Occasionally goes above            Spiritual Leadership
       Bible Finance Principals        and beyond tithes based on        They are sowers and therefore
       or Vision of Church             either 1) need 2)                  look for opportunities to go
      Gives because an offering       affordability or 3) coercion       above and beyond in their
       is received                    Views it as their own              giving (special projects, capital
      Will only give what they        money                              campaigns, love offerings, etc.)
       can afford in their own        Knows it is right to give,        They understand that they have
       viewpoint                       but lacks full                     a vested interest in God’s
      May or may not give at          understanding and                  Kingdom
       all                             application of Bible              They trust God with His
                                       Finance Principles and             money.
                                       Church Vision

Scriptural Investment Guidelines:
      The greater the potential return, the greater the risk. (Proverbs 27:12) This is a fact
       of economic life. If someone has a "no risk" investment that generates 25% each year,
       stay away from him. Either he's deranged or lying or both.
      Diversify your investments. (Ecclesiastes 11:2) Diversification is essential to long-
       term stability. If one investment goes down, another you have can offset it by going up.
       In short, this is just another way of saying "don't put all of your eggs in one basket".
      Be sure you understand the investment you are considering. (Proverbs 24:3-4) You
       are God's steward, and you need to understand how it will be used. If you don't
       understand, then don't invest.
      Don't risk money you can't afford to lose. (Ecclesiastes 5:13-14) If losing the money
       your are investing would cause financial ruin, family stress, or any other major problem,
       then do not invest it in a risky place. A safe investment such as federal government
       bonds would be more appropriate in this case.
      Don't make a quick decision -- take time to think and pray. (Psalm 37:7) Stop and
       consider what you are doing. Once again, you are God's steward, and you need to handle
       His money appropriately.

           Kingdom Investing: The Believers Guide to Leaving a Legacy

Principal II: Investing IS Intentional.
   1. Goals need to be established
         a. 3 Areas of Financial Goals (Deut 8:6-10 “Therefore thou shalt keep the
            commandments of the LORD thy God, to walk in his ways, and to fear him. 7 For
            the LORD thy God bringeth thee into a good land, a land of brooks of water, of
            fountains and depths that spring out of valleys and hills; 8 A land of wheat, and
            barley, and vines, and fig trees, and pomegranates; a land of oil olive, and honey; 9
            A land wherein thou shalt eat bread without scarceness, thou shalt not lack any
            thing in it; a land whose stones are iron, and out of whose hills thou mayest dig
            brass. 10 When thou hast eaten and art full, then thou shalt bless the LORD thy
            God for the good land which he hath given thee.”)
                i. Independence
                ii. Insurance (See Needs Worksheet - Appendix III)
               iii. Inheritance
        b. Luke 14:28-30 “For which of you, intending to build a tower, sitteth not down
           first, and counteth the cost, whether he have sufficient to finish it? 29 Lest haply,
           after he hath laid the foundation, and is not able to finish it, all that behold it begin
           to mock him, 30 Saying, This man began to build, and was not able to finish.”
   2. Leave An Active Legacy That Will Invasively & Actively Impact 3-7 Generations
        a. Scripture speaks of Children’s Children (3) and also speaks of forever (7 is God’s
           number of completion)
   3. Your Spiritual Legacy is First
        a. Matthew 6:33
        b. Eph 1:10-12 “That in the dispensation of the fulness of times he might gather
           together in one all things in Christ, both which are in heaven, and which are on
           earth; even in him: 11 In whom also we have obtained an inheritance, being
           predestinated according to the purpose of him who worketh all things after the
           counsel of his own will: 12 That we should be to the praise of his glory, who first
           trusted in Christ.”
        c. Acts 20:32 “And now, brethren, I commend you to God, and to the word of his
           grace, which is able to build you up, and to give you an inheritance among all them
           which are sanctified.”

           Kingdom Investing: The Believers Guide to Leaving a Legacy

Principal III: Successful Investing Requires Godly Counsel.

+Principles for seeking and selecting good financial counsel
There are four basic principles that Christians need to consider in seeking and selecting good
godly financial counsel.
1. Seek and choose Christian counsel.
Seek and select financial counselors on the basis of a common value system. For Christians,
that means to seek counsel from those who acknowledge Jesus Christ as their Savior and Lord.
Psalm 1:1 says "How blessed is the man who does not walk in the counsel of the wicked, nor
stand in the path of sinners, nor sit in the seat of scoffers!". This does not imply that non-
Christians can't give good financial advice. But the standards by which decisions are made
must be based on God's Word and a Christian character, rather than on the world's humanistic
get-ahead-at-all-costs standards. A non-believer is foreign the beliefs of Christians.
2. Seek and select wise counsel.
Proverbs 13:20 says "He who walks with wise men will be wise, but the companion of fools will
suffer harm". The fact that people are professed Christians does not qualify them to be good
financial counselors. All too often Christians throw wisdom and caution to the wind when it
comes to taking advice from professed Christians. Christian counselors must be in regular
communication with God and seek His wisdom before any decision is made. So, not only must
counselors be knowledgeable in areas of biblical principles in finance but they also must
regularly seek God's wisdom in prayer and in the study of His Word.
3. Seek and select multiple qualified counselors.
proverbs 15:22 says "Without consultation, plans are frustrated, but with many counselors they
succeed". No financial counselor can be expert in all areas of finance. The areas of taxes,
securities, stocks, bonds, and real estate are so complex in today's society that only with a
variety of good financial counselors who are expert in their respective fields of finance can
Christians hope to attain a well rounded perspective of biblical financial principles.
4. Weigh all counsel given.
Proverbs 14:15 says "The naïve believes everything, but the sensible man considers his steps".
The purpose of counsel is to offer suggestions, alternatives, and options, not to make decisions
on behalf of counselees. Even the best financial counsel in the world lacks an essential element
necessary to make sound and wise financial decisions God's plan for the lives of the
counselees. Therefore you should always pray before making any financial decision.
Remember its His money you are managing. The peace of God or lack of peace as a result of
prayer is an indisputable indicator of God's preferred directive. In addition, each decision
should be tested against God's Word. If it is not consistent with the purity and the spirit of

             Kingdom Investing: The Believers Guide to Leaving a Legacy

 God's Word, the decision should be rejected. Counselors' motives and actions also should be
 evaluated. If counselors will deceive others on the counselees' behalf, they also will most likely
 eventually deceive the counselee. Review the track record of any and all people who offer their
 counsel. Just because they are Christian does not mean that they have been successful in their
 financial counsel.
 The best method for locating good, godly financial counsel is from other Christians who have
 been helped. This could be fellow church attendees, pastors, or Christian businesspeople.
 Additionally, this type of information could perhaps be found at Christian professional
 associations, societies, and organizations, both locally and nationally.
 Without a doubt, good and godly financial counsel is available for all who seek such counsel.
 But prayer, wisdom, and caution must be foremost in order to select the most qualified
 counselors and those whose lives and expertise conform to God's will for the lives of the

+Courtesy of ElderAdo Financial, Montrose, Colorado 81401


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