Navigating Finances - God’s Way

Study Guide

DIRECTION FOR HANDLING YOUR FINANCES 1

 Homework for Week 1

Scripture to Memorize:

“If therefore you have not been faithful in the use of worldly wealth, who will entrust the
true riches to you?” (Luke 16:11).

Before attending the first class:

1. Read or listen to the book Your Money Counts.

2. Memorize Luke 16:11.

3. Answer the homework questions.

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Homework Questions

1. What was the most helpful information you learned from reading "Your Money Counts"?

2. What are two practical principles from the book you can apply now?

Read Isaiah 55:8-9.

3. Based on this passage, do you think God’s way of handling money will differ from how
most people handle it? What do you think would be the greatest differences?

4. What benefits do you hope to receive from participating in this study?

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5. What are your personal goals concerning your income?

6.What are your personal goals concerning your giving?

7. What are your personal goals concerning your saving?

8. What are your personal goals concerning your getting out of debt?

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9. What information especially interested you and why did it interest you?

10. When you learned the Bible says so much about money, how did this challenge your
thinking?

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 GOD’S PART & OUR PART
Homework for Week 2

Scripture to Memorize:

“Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore
you as being in control of everything. Riches and honor come from you alone, and you are
the Ruler of all mankind; your hand controls power and might and it is at your discretion
that men are made great and given strength” (1 Chronicles 29:11-12, TLB).

Let's Get Practical!

1. Complete List Your Assets.

2. Complete the Deed.

3. Familiarize Yourself with the Spending Plan (pgs. 58 & 59)

4. Begin Recording your Income & Spending on the 30 Day Tracker.

Day One (God’s Ownership)

1. Do you have any questions about "List Your Assets", the Deed, or keeping a record of
everything you spend?

2. What did you learn from completing them? How do you think this will influence you in
the future?

Read Deuteronomy 10:14; Psalm 24:1 and 1 Corinthians 10:26.

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3. What do these passages say about the ownership of your possessions? What do you own?

Read Leviticus 25:23; Psalm 50:10-12 and Haggai 2:8.

4. What are some of the items that the Lord owns?

5. Evaluate your attitude toward your possessions. Do you consistently recognize the true
owner? What are two practical suggestions to help you recognize God’s ownership?

Day Two (God’s Control)

Read 1 Chronicles 29:11-12 and Psalm 135:6.

1. What do these passages say about the Lord’s control of circumstances?

Read Proverbs 21:1; Isaiah 40:21-24; and Acts 17:26.

2. What do these verses tell you about the Lord’s control of people?

3. Do you normally recognize the Lord’s control of all events? If not, how can you become
more consistent?

Day Three (Challenging Circumstances)

Read Genesis 45:4-8 and Romans 8:28.

1. Why is it important to realize that God controls and uses even difficult circumstances for
good in the life of a godly person?

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2. How does this perspective impact you?

3. Share a difficult circumstance you have experienced and how the Lord used it for good in
your life.

Day Four (God’s Provision)

Read Psalm 34:9-10; Matthew 6:31-33 and Philippians 4:19.

1. What has the Lord promised concerning meeting your needs?

2. How does that apply to you now?

3. Give an example from the Bible of the Lord providing for someone’s needs in a
supernatural way.

Day Five (Our Role)

Read 1 Corinthians 4:2.

1. According to this verse what is your requirement as a steward and how would you define a
steward?

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Read Luke 16:1-2.

2. Why did the master remove the steward from his position and how does that apply to you?

Read Luke 16:10.

3. Describe the principle found in this verse.

4. How does this apply in your situation?

Day Six (the Notes) To Be Completed In Session #2

Read God’s Part & Our Part (Chapters 3 & 4 - Your Money Counts) and then answer the
following questions:

1. What did you learn that was especially helpful?

2. How will you apply it?

3. I will take the following action as a result of this weeks study:

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 DEBT
Homework for Week 3

Scripture to Memorize:

“ Just as the rich rule the poor, so the borrower is servant to the lender” (Proverbs 22:7, TLB).

Let's Get Practical

1. Begin working with the Compass Money Map

2. Complete the List Your Debts & Snowball ‘em! worksheet.

3. Continue 30 Day Tracking of your income and spending or log into your Mint.com
account. And Create a Draft of Your Working Spending Plan. (See Chapter 14 Your
Money Counts)

Day One (Debt)

After completing the Compass MapTM and List Your Debts & Snowball ’Em! answer the
following questions.

1. Do you have any questions about the map or List Your Debts & Snowball ’Em?

2. What did you learn from completing them, and how will you use this knowledge?

Read Deuteronomy 15:4-6; Deuteronomy 28:1-2; Deuteronomy 28:12; Deuteronomy 28:15 and
Deuteronomy 28:43-45.

3. According to these passages how was debt viewed in the Old Testament, and what was the
reason a person got into debt (became a borrower) or got out of it (became a lender)?

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4. What is your view of debt and how do you feel about your debt situation?

Day Two (Debt)

Read Romans 13:8 and Proverbs 22:7.

1. Is debt encouraged in the Bible? Why?

2. How do these verses apply to you personally and to your business, if you have one?

3. If you are in debt, are you committed to get out of it? If you have a plan to eliminate it,
please describe the plan.

Day Three (Debt Repayment)

Read Psalm 37:21 and Proverbs 3:27-28.

1. What do these verses say about debt repayment, and why do you think God gave us these
principles?

2. Is this how you repay your debt? If not, what steps will you take to begin?

Day Four (Getting Out of Debt)

Read 2 Kings 4:1-7.

1. What principles on getting out of debt can you identify from this passage?

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2. How can you apply them to your current situation?

Day Five (Cosigning)

Read Proverbs 22:26-27 and Proverbs 17:18.

1. What does the Bible say about cosigning (striking hands, surety) and how does this apply
to you?

Read Proverbs 6:1-5.

2. If someone has cosigned, what should he or she attempt to do?

Day Six (The Notes) To Be Completed In Session #3

Read or listen to the Debt Notes then answer the questions below.

1. What did you learn about debt that proved to be especially helpful?

2. How will you implement what you learned?

3. I will take the following action as a result of this week’s study:

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 Homework for Week 4

Scripture to Memorize:

“You shall not steal, nor deal falsely, nor lie to one another.” (Leviticus 19:11).

Use the Quizlet Memory Verse Tool

Let's Get Practical

1. Begin to use the Filing System.

2. Complete Determining Your Life Insurance Needs worksheet

3. Continue 30 Day Tracking of your income and spending or log into your Mint.com
account.

Day One

After completing the "Let's Get Practical" applications answer the following questions.

1. Do you have any questions about the "Let's Get Practical" applications?

2. What did you learn from completing Determining Your Life Insurance Needs and setting
up your Filing System? How will these help on your journey to true financial faithfulness?

Read Leviticus 19:11-13; Deuteronomy 25:13-16 and Ephesians 4:25.

3. What do these verses communicate to you about God’s requirement for honesty?

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4. Are you consistently honest in even the smallest details? If not, what will you do to
change?

Read Proverbs 14:2.

5. Can you practice dishonesty and still love God? Why?

Read Proverbs 26:28 and Romans 13:9-10.

6. According to these passages, can you practice dishonesty and still love your neighbor?
Why?

Day Two (Honesty)

Read Psalm 15:1-5; Proverbs 20:7 and Isaiah 33:15-16.

1. What are some of the benefits of honesty and how have you experienced them?

Read Proverbs 3:32; Proverbs 13:11 and Proverbs 21:6.

2. What are some of the curses of dishonesty and how do they motivate you to a life of
honesty?

Day Three (Restitution & Bribes)

Read Exodus 22:1-4; Numbers 5:5-8 and Luke 19:8.

1. What does the Bible say about restitution?

2. If you have acquired anything dishonestly, how will you make restitution?

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Read Exodus 23:8 and Proverbs 15:27.

3. What does Scripture say about bribes?

4. Have you ever been asked to give or take a bribe? If so, describe what happened.

Day Four (Counsel)

Read Proverbs 12:15 and Proverbs 13:10.

1. What are some of the benefits of seeking counsel?

2. What are some of the benefits you’ve experienced from seeking counsel? And what hinders
you from seeking it?

Read Psalm 16:7 and Psalm 32:8.

3. Does the Lord actively counsel His children? How do you seek the Lord’s counsel?

Day Five (Counsel)

Read Psalm 119:105; 2 Timothy 3:16-17 and Hebrews 4:12.

1. Should the Bible also serve as your counselor? Why?

2. Do you consistently read and study the Bible? If not, what prevents you?

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3. In your opinion, who should be the number-one human counselor of a husband? Of a
wife? Why?

Read Psalm 1:1-3 and Proverbs 12:5.

4. Who should you avoid as a counselor and why?

5. Is there ever a circumstance in which you should seek the input of a person who does not
know Christ? If so, when?

Day Six (The Notes) To Be Completed In Session #4

Read or listen to the Honesty & Counsel Notes.

1. What did you learn about honesty that will be especially helpful to you? In what way?

2. What was the most important thing you learned about counsel and how will you apply it?

3. I will take the following action as a result of this week’s study.

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 GENEROSITY

Homework for Week 5

Scripture to Memorize:

“ Remember the words of the Lord Jesus, that He Himself said, ‘It is more blessed to give
than to receive’” (Acts 20:35).

Let's Get Practical

1. Continue 30 Day Tracking your income and spending or log into your Mint.com account.

2. Complete your Journey to Generosity.

Day One (Giving Attitudes)

Complete the Journey to Generosity grid.

1. Do you have any questions about the Journey to Generosity?

2. What did you learn from completing it that will improve your giving?

Read Matthew 23:23; 1 Corinthians 13:3 and 2 Corinthians 9:7.

3. What do these passages communicate about the importance of the proper attitude in
giving?

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4. How would you describe your attitude in giving, and how do you think you can improve
it if it needs to be adjusted?

Day Two (Benefits of Generosity)

Read Acts 20:35.

1. How does this principle from God’s economy differ from the way most people view
giving?

Read Proverbs 11:24-25, Matthew 6:20, Luke 12:34, 1 Timothy 6:18-19.

2. Identify the benefits for the giver in the following passages and describe how they might
encourage you to be more generous.

Day Three (Amount to Give)

Read Malachi 3:8-10.

1. What was God’s view on tithing (giving 10 percent) in the Old Testament, and how has
that impacted your generosity?

Read 2 Corinthians 8:1-5.

2. Identify three principles from this passage that might influence how much you give.

Prayerfully (with your spouse if you are married) seek the Lord’s guidance to determine how
much you should give. You will not be asked to disclose the amount.

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 Day Four (Where to Give)

Read Numbers 18:8-10; Numbers 18:24; Galatians 6:6 and 1 Timothy 5:17-18.

1. What do these verses say about financially supporting your church and those who teach
the Bible? How do you plan on practicing this?

Day Five (Giving to the Poor and Needy)

Read Isaiah 58:6-11 and Ezekiel 16:49.

1. What do these verses say to you about giving to the poor?

Read Matthew 25:35-45.

2. How does Jesus Christ identify with the needy and how does this impact your thinking?

Read Galatians 2:9-10.

3. What does this verse communicate to you about giving to the poor?

4. Are you currently giving to the needy? If not, what is hindering you?

Day Six (The Notes) To Be Completed In Session #5

Read or listen to the Generosity Notes

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1. What truth about giving did you learn that proved especially helpful? In what way?

2. What principle of generosity will you apply after reading the Notes?

3. I’ll take the following action as a result of this week’s study.

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WORK
Homework for Week 6

Scripture to Memorize:

“ Whatever you do, do your work heartily, as for the Lord rather than for men . . . It is the
Lord Christ whom you serve” (Colossians 3:23-24).

Let's Get Practical

1. Complete the Estimated Spending Plan & begin Tracking Income & Spending

2. If you are using Mint.com continue building, tracking and tweaking your spending plan.
You do not need to complete the Estimated Spending Plan exercise.

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 Day One (Work)

Complete the Personality Profile online and Estimated Spending Plan

After completing the "Let's Get Practical" applications answer the following questions:

1. Do you have any questions about your Personality Profile or Estimated Spending Plan?

2. What did you learn from completing them that will be helpful to you?

Read Genesis 2:15.

3. Why is it important to recognize that the Lord created work before sin entered the world?

Read Genesis 3:17-19.

4. What was the consequence of sin on work and how have you experienced this in your
work?

Read Exodus 20:9 and 2 Thessalonians 3:10-12.

5. What do these passages say to you about work and how are you applying them?

Day Two (God’s role in work)

Read Genesis 39:2-5; Exodus 35:30-35 and Psalm 75:6-7.

1. What do these verses tell us about the Lord’s involvement in our work, and how do these
truths differ from the way most people view work?

2. How will this perspective influence your view of work?

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 Day Three (Employers & Employees)

Read Ephesians 6:5-9; Colossians 3:22-25 and 1 Peter 2:18.

1. What responsibilities does the employer have, according to these verses?

2. For whom do you really work? How will this understanding change your work
performance?

Day Four (Working hard & resting)

Read Proverbs 6:6-11; Proverbs 18:9 and 2 Thessalonians 3:7-9.

1. What does the Lord say about working hard?

2. Do you work hard? If not, describe what steps you will take to improve your work habits.

Read Exodus 34:21.

3. What does this verse communicate to you about rest?

4. Do you get enough rest and how do you guard against overwork?

Day Five (Women working, partnerships & retirement)

Read Proverbs 31:10-28 and Titus 2:4-5.

1. What do these passages tell us about women working?

2. If you are a woman, how does this apply to your situation?

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Read 2 Corinthians 6:14-18.

3. How does this concept of “yoking” or “being bound together” apply to partnerships in
business and work?

4. Can you give some examples from the Bible of people who retired?

5. Do you think retirement, as it is practiced in our culture, is biblically acceptable? What are
your retirement plans?

Day Six (the Notes) To Be Completed In Session #6

Read or listen to the Work Notes

1. What in the notes proved especially helpful or challenging? How will you apply this to
your work situation?

2. Do you usually realize you are working for the Lord? If not, what will you do to become
more conscious of this?

3. I will take the following action as a result of this week’s study:

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 SAVING & INVESTING

Homework for Week 7

Scripture to Memorize:

“The wise man saves for the future, but the foolish man spends whatever he gets” (Proverbs
21:20, TLB).

“ Steady plodding brings prosperity; hasty speculation brings poverty” (Proverbs 21:5, TLB).

Let's Get Practical

1. Complete Your Net Worth Calculation

2. Track & Tweak your Compass Spending Plan or log into your Mint.com account to
continue making any necessary adjustments to your spending plan.

3. Check out How to Increase Savings. Go To: http://compass1.org/resources/savings/

Day One

After completing the "Let's Get Practical" applications answer the following questions.

1. Do you have questions about any of these?

2. What did you learn from completing them that was helpful, and how will you apply it?

Read Genesis 41:34-36; Proverbs 21:20 and Proverbs 30:24-25.

3. What do these passages say to you about savings?

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4. If you are not yet saving, how do you propose to begin?

Read Luke 12:16-21 and Luke 12:34.

5. Why did the Lord call the rich man a fool?

6. According to this parable, why do you think it is scripturally permissible to save only
when you are also giving? How does this apply to you?

Day Two (Saving goals)

Read 1Timothy 5:8.

1. What is a scripturally acceptable goal for saving?

Read 1Timothy 6:9.

2. What is a scripturally unacceptable reason for saving?

Read 1 Timothy 6:10.

3. According to this verse, why is it wrong to want to get rich (refer to 1 Timothy 6:9)? Do you
have the desire to get rich?

Read 1Timothy 6:11.

4. What should you do if you have the desire to get rich?

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 Day Three (Investing)

Read Proverbs 21:5; Proverbs 24:27; Proverbs 27:23-24; Ecclesiastes 3:1 and Ecclesiastes 11:2.

1. What investment principle(s) can you learn from each of these verses, and how will you
apply them?

Day Four (Inheritance)

Read Genesis 24:35-36; Proverbs 13:22 and 2 Corinthians 12:14.

1. Should parents attempt to leave a material inheritance to their children? If so, how are
you going to implement this principle?

Read Proverbs 20:21 and Galatians 4:1-2.

2. What caution should parents exercise?

Day Five (Gambling)

Gambling is defined as: playing games of chance for money, betting, and speculating. Some
of today’s most common forms of gambling are casino wagering, betting on sporting events,
horse races, dog races and state-run lotteries.

1. What are some of the motivations that cause people to gamble, and do these motives
please the Lord? Why?

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Read Proverbs 28:20 and Proverbs 28:22.

2. According to these passages, why do you think a godly person should not gamble?

3. Are you committed never to gamble? Explain why or why not.

Day Six (the Notes) To Be Completed In Session # 7

Read or listen to the Saving & Investing Notes

1. What in the notes proved especially helpful?

2. Describe the specific steps you intend to take to begin saving and investing.

3. I will take the following action as a result of this week’s study.

__________________________________________________________________________________

Homework for Week 8

Scripture to Memorize:

“ For I have learned to be content in whatever circumstances I am. I know how to get along
with humble means, and I also know how to live in prosperity… I can do all things through
Him who strengthens me” (Philippians 4:11-13).

Let's Get Practical

1. Complete Organizing Your Estate.

2. Complete the Crisis Budget.

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3. Continue to Track your income and spending and Tweak it. If you are using Mint.com, log
into your account and make any necessary adjustments.

4. Secure a current will if you do not yet have one.

Note: Think about your prayer request for the last class. It should be a “long-term” request
the others can pray when they think of you.

Day One

After completing the "Let's Get Practical" applications answer the following questions.

1. Do you have any questions about Organizing Your Estate and the Crisis Budget?

2. What did you learn from completing them that was helpful, and how will you apply what
you learned?

Read Romans 8:35 and Romans 8:37; Daniel 4:34-35 and Jeremiah 32:17.

3. Why do you think it is important to realize that God loves you and is in control of the
situation when you are facing a crisis?

Day Two (Our response during a crisis)

Read Romans 8:28-29.

1. According to this passage, what does the Lord want to accomplish in our lives when we
experience difficulties?

2. Share a crisis you’ve experienced and how God used it to help you grow closer to Christ.

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Read James 1:2-4 and 1 Thessalonians 5:18.

3. According to these verses, what should our attitude be in the midst of a crisis?

4. How do you maintain this attitude when facing difficulties?

Day Three (Crisis preparation & Prosperity)

Read Matthew 7:24-25.

1. What should you do to prepare financially for future challenges and crises? On a scale of 1
to 10 (with 10 being the best), how well are you prepared?

2. If you are not well-prepared, what will you do?

Read Deuteronomy 30:15-16; Joshua 1:8 and Hebrews 11:36-40.

3. What do these passages say to you about financial prosperity for the believer?

Read Genesis 37:23-28; Genesis 41:12-41; 2 Corinthians 11:23-27 and Philippians 4:11-12.

4. Did these godly people experience periods of financial abundance and at other times a lack
of it?

5. Was their lack a result of sin and a lack of faith? And do you think all Christians should
always prosper financially? Why?

Read Psalm 73:1-20.

6. What does this passage tell you about the prosperity of the wicked, and how should this
impact your attitude toward them?

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 Day Four (Children & Taxes)

Read Deuteronomy 6:6-7; Proverbs 22:6 and Ephesians 6:4.

1. According to these passages, who is responsible for teaching children how to handle
money from a biblical perspective?

2. How well were you prepared to manage money when you first left home as a young
person?

3. Describe how you would train children to budget:

4. Describe how you would train children to give:

5. Describe how you would train children to save:

6. Describe how you would train children to spend wisely:

Read Matthew 5:25-26 and Romans 13:1-7.

7. Does the Lord require us to pay taxes to the government? Describe your attitude toward
paying taxes and does it need to change?

Day Five (Contentment & Lifestyle)

Read Philippians 4:11-13 and 1 Timothy 6:6-8.

1. What do these passages say about contentment?

2. How does our culture discourage contentment, and how do you plan on practicing it?

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Read Acts 4:32-37 and 1 Thessalonians 4:11-12.

3. What do these passages communicate to you about lifestyle?

How do the following factors influence your present spending and lifestyle?

4. Comparing your lifestyle with that of friends and others –

5. Internet, television, shopping, catalogs and advertisements –

6. Your study of the Bible –

7. Your commitment to Christ and to things that are important to Him-

8. Do you sense that the Lord would have you change your spending or any part of your
standard of living? If so, what?

Day Six (the Notes) To Be Completed In Session #8

Read or listen to the Crisis & Perspective Notes.

1. What was the most helpful concept you learned from the notes, and how will you apply
it?

2. Do you sense the Lord would have you alter your lifestyle in any way? If so, in what way?

3. I will take the following action as a result of this week’s study:

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__________________________________________________________________________________

ETERNITY

Homework for Week 9

Scripture to Memorize:

“ For what does it profit a man to gain the whole world, and forfeit his soul?” (Mark 8:36).

“When we’ve been there ten thousand years,

Bright shining as the sun,

We've no less days to sing God’s praise

Than when we’d first begun”

—Amazing Grace, by John Newton (1725-1807)

Let's Get Practical

1.Continue to Track & Tweak your Spending Plan or log into your Mint.com account to make
any necessary adjustments.

2. Complete your Financial Goals.

__________________________________________________________________________________

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 Day One (Financial Goals)

After completing the "Let's Get Practical" applications answer the following questions.

1. Do you have any questions about your Financial Goals?

2. What did you learn that was especially helpful, and how will you apply it?

3. What changes in your lifestyle will you make in light of your goals?

Day Two (Life is short)

Read Psalm 39:4-6 and Psalm 103:13-16.

1. What do these passages say to you about the length of life on earth?
in light of eternity it's like a breath and it lasts for a season and then we are gone from this
life.

Read Psalm 90:10 and Psalm 90:12.

2. Why do you think that Moses suggested numbering your days?

3. Estimate the number of days you have left on earth. How does this impact your thinking?

4. Based on your number of days, what actions will you take?

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 Day Three (My identity)

Read 1 Chronicles 29:15; Philippians 3:20 and 1 Peter 2:11.

1. What do these passages say about your identity on earth and in heaven?

Read 2 Peter 3:10-13.

2. In the future, what will happen to the earth?

3. How will this impact the way you invest your time and spend your money?

Day Four (Judgment)

Read Ecclesiastes 12:13-14 and 2 Corinthians 5:9-10.

1. What will happen to each of us in the future?

Read 1 Corinthians 3:11-15.

2. How would you describe the works (give some examples) that will be burned at this final
judgment?

3. Give some examples of works that will be rewarded.

4. What are you doing that will survive this final judgment?

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 Day Five (Eternity)

Read 2 Corinthians 4:18.

1. What does this verse say to you?

2. As you reflect on eternity, answer these questions thoughtfully: What three things do I
want to accomplish during the rest of my life?

3. What can I do during my lifetime that would contribute most significantly to the cause of
Christ?

4. In light of these answers, what actions or changes do I need to make?

Day Six (the Notes) To Be Completed In Session #9

Read or listen to the Eternity Notes

1. What was the most important concept you learned from reading the notes?

2. How will you apply this to your life?

3. Describe what has been the most beneficial part of the Small Group Study for you, and
why.

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 Notes

DIRECTION FOR HANDLING YOUR FINANCES 60