Have you ever wondered why money is such a persistent problem for so many of us? Both national and personal debt are at an all-time high, and most Americans don’t have reserve funds to cover a $400 emergency. Financial experts believe the solution is teaching people how to manage money, but I believe the real problem runs much deeper. After 45 years of working with all kinds of people, I’ve witnessed how both rich and poor can be enslaved by money. And whether you’re a Christian or not, the major reason people don’t know how to manage money is because they have never mastered their money; their money has mastered them. The apostle Paul understood our timeless struggle with money when he wrote to young Timothy about the spiritual principles of money. In 1 Timothy 6:6–10, Paul reveals God’s formula for true financial success: “But godliness with contentment is great gain” (v. 6, NIV). The only way to manage money correctly is to master money spiritually, and that requires three essential steps that will transform your relationship with money forever.

I'm sure you know the running joke about fishermen exaggerating the size of their catch. But in 1959, Alfred Dean didn’t need to exaggerate when he caught a 2,664-pound great white shark in Australia, the largest fish ever caught in history. The Bible tells us about an even more unbelievable story, but in reverse—the story of a fish that caught a man. Jonah’s encounter with the great fish would make worldwide news today, but here’s what might surprise you: The fish story isn’t really the point. The book of Jonah is actually the missionary book of the Old Testament, revealing that God has a missionary heart and every Christian is called to be on mission. I like how John Stott said, “We profess to believe in God? He’s a missionary God. We’re committed to Christ? He’s a missionary Christ.” The truth that applies to us today is simple: We all are called. Every Christian has a mission to perform, a message to proclaim, a ministry to promote, and a Master to praise.

At the Alamo, legend tells us, Commander William Travis drew a line in the dirt, asking his men to choose their fate—cross the line and face certain death fighting for Texas, or leave and surrender. All but one crossed that line, choosing sacrifice over surrender. Like those brave men, we face crucial choices every day. The average person makes 773,618 decisions over a lifetime and regrets 143,262 of them. While some decisions are trivial, others shape our eternal destiny. After weeks of discussing generational discipleship—teaching God’s truth, modeling godly living, and stewarding opportunities—we now arrive at decision day. Just as Joshua drew his own line in the sand before the people of Israel, saying, “...choose for yourselves this day whom you will serve…. But as for me and my household, we will serve the LORD” (Joshua 24:15, NIV), we, too, must decide which side of the line our families will stand on.