Jeremiah 29:11

11 For I know the plans I have for you,” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.

My personal journey started in 1999 from the back of a 1991 Ford Explorer where I wrote my first budget. It was written in the back of a Ford Explorer because I was going through a divorce and became a working homeless man during the process. That was where I cried myself to sleep at night.

Dave Ramsey introduced me to how the Bible teaches how to steward your finances through giving, budgeting, saving, and living debt free. This was the first time in my life that I intentionally opened the Bible to learn about anything, much less finances. The Biblical lessons on budgeting, giving, saving, and getting out of debt were crystal clear, do it, the benefits of peace and joy were not as clear until further into the journey. Investing took a bit more studying before the lessons became clear to me.

Even though I was homeless and crying myself to sleep most nights, Hope was produced when I wrote my first budget on a yellow pad with pencil from the back of that Ford Explorer and focused my efforts on building savings and eliminating debt. Each dollar saved and debt paid off was a financial and emotional victory and helped me to visualize a better future than my current circumstances.

Over time, I moved into a friend's house, shifted careers and began to rebuild my life. The budget helped me stay focused, the savings helped me sleep better at night, and eliminating debt helped me travel and enjoy life at the same time.

The journey was and is humbling as have and continue to learn some valuable lessons. Around year seven, I expanded my studies to learn and apply the principles in the parable of the sower. The principle that good soil should produce 100, 60, or 30 times what is sown into it was a massive revelation for me. My lens was too narrow.

Afterwards, I expanded my revelation by meditating on more Scriptures and reading more books and applying them to my investing strategy. Below you will find a broad recap of the lessons that I eventually learned from seeking a deeper understanding of Biblical investing wisdom once I shifted to a heart to seek understanding instead of a mind of I know all the answers.

• My heart dictates how I understand. Fear produces fearful get rich quick investing. Greed produces selfish investing that takes from others without empathetic consideration of the impact to others. Joy produces patient, thoughtful, long term, win-win investing. I must leep working on my heart to have and live in joy and the Godly/Biblical understanding of investing, and life, may be learned.

• Invest to produce 100 fold returns

• Invest to produce income that can be reinvested to produce more growth and income

• Invest in investments that will produce gains today and last 120 years

At the end of year seven or so I started to teach a class on investing using Biblical principles. The value of having to translate investment lingo, investing principles, and practical how to steps turned out to be the best investment of time in myself. Learning how to teach it, improved my skill in doing it.

This site is a culmination of my personal experiences from my own learnings and personal results, experience and learnings from helping others through multiple classes and one on one discussions, and my heart's desire to continue investing in myself and others. The primary purpose is to provide a Biblical framework of a how to manual for investing using Index Funds and Index ETF's as the investment vehicle. The principles learned are not limited to those investments, they are simply the examples used. You can start your journey with the free book Wise Investor.