After college, the same cycle continued. Dennis went from one job situation to another. The combination of his poor work habits and inability to control his spending kept Dennis in constant turmoil and financial distress. He owed money to friends, banks, and family. It wasn’t until the early nineties that Dennis finally woke up and decided he was tired of this sort of an existence. He made the hard decision to change his lifestyle and his spending habits. He decided to take control of his professional and financial lives—instead of allowing them to control him. Happily, today Dennis is settled, successful, and in control of his financial household.

Three Ways To Achieve Financial Freedom

When someone asks me for help getting their financial house in order, I tell them that it is a matter of learning to control their money. I only know of four ways to do it. I strongly advise against one of them since it involves the use of a mask and a gun. The other three options are totally legal, incredibly simple, but frequently overlooked:

1) Spend Less.

2) Earn More.

3) Invest Wisely.

I know, it’s so simple. You didn’t need to read this to learn something so basic—right? I’ll grant you, conceptually speaking, this is no-brainer stuff. But in my experience, not one person in twenty is willing to follow these simple steps. Have you ever wondered why doctors smoke cigarettes and insurance agents don’t buy coverage? It’s not because they believe smoking is safe or that living without insurance is wise. It’s because they don’t have the intestinal fortitude to do what they know is right!

I like this simple three-step approach because, for me, it answers all the questions.

Spending speaks to what we’re doing with what we already have. Earning involves the actions we can take to improve our standard of living. And, investing focuses on future planning. Taken together, these three steps will determine how well we control our money.

There’s no rocket science involved here. It’s all pretty simple stuff. It involves about 1 part information, and about 9 parts dedication. The hard truth: Until you make a personal commitment to the three steps above—financially speaking, your life isn’t going to improve.

Steve Diggs presents the  No Debt No Sweat! Christian Money Management Seminar  at churches and other venues nationwide. Visit Steve on the Web at or call 615-834-3063. The author of several books, today Steve serves as a minister for the Antioch Church of Christ in Nashville. For 25 years he was President of the Franklin Group, Inc. Steve and Bonnie have four children whom they have home schooled. The family lives in Brentwood, Tennessee.

A complete financial compendium, 19 chapters
• What you can do today to get out of debt and kill the Debt Monster
• A,B,C's of handling your money God's way
• How to save, invest, and retire wisely
• How mutual funds work
• How to stop fighting over money
• What to teach your kids about money
• Learn how home & car buying, college financing and insurance work.
• How to develop a budget that works -- forever!
• Features simple charts, graphs, and easy-to-use forms.

Click here to learn more or to order.