In this powerful start-to-2026 episode, Jon Cleaver and Wendy Lee unpack the Manage Phase of the 3M Wealth Framework — and why cash flow, not income, is the real king when it comes to financial peace, stability, and long-term wealth.

This conversation goes far beyond budgeting. It dives into Christian financial strategy, money management, building wealth with biblical values, and the emotional and spiritual impact of how we handle money. Whether you’re an entrepreneur, small business owner, or navigating personal finance, this episode shows you how to move from financial stress to clarity, confidence, and Kingdom impact.

If you’ve ever said, “I make good money… so why do I still feel broke?” — this episode is for you.

1. The dangerous myth: “If I just made more money, I’d finally feel in control.”
2. Why many high earners still struggle with financial stress and money anxiety
3. The difference between income and cash flow

The Manage Phase is where most people either:

✔️ Gain control of their money

❌ Or quietly lose it

You’ll learn how proper money management:

1. Stabilizes your financial life
2. Protects the progress you’re making
3. Creates true financial freedom and peace

This episode weaves together biblical money management with real-world financial strategy:

“We are not the owners — God is the owner. We are the managers.” — Jon Cleaver

Scriptures referenced include:

1. Proverbs 27:23 – Knowing the condition of your “flocks”
2. Psalm 128 – Enjoying the fruit of your labor

You’ll discover how stewardship, not restriction, becomes the foundation of Kingdom wealth.

If you’re an entrepreneur or small business owner, this section hits home:

1. Why fluctuating income destroys confidence when cash flow isn’t managed
2. How unmanaged debt becomes “invisible chains”
3. The emotional side of financial struggles no one talks about
4. Why management brings clarity, power, and peace

You’ll learn how:

1. Cash flow determines your resilience