Master Your Money: Part 4 - Today, Tomorrow, Eternity

Main message: Set intentional, biblical financial goals—balancing short-term responsibilities, long-term planning, and an eternal perspective—so your money shapes your character and points you to trust God.

Key points:

• Assess where you are financially (struggling, surviving, stable, secure, surplus) and check both your plans and emotions without shame.
• Keep three horizons in view: short-term (monthly needs), long-term (5–10 year goals, retirement, debt payoff), and eternal (investment in things that outlast you).
• Practical spending goals: track where money goes, cut at least one recurring expense, and use a budget (financial “diet”).
• Debt and saving goals: list debts, target payoff (snowball or highest-rate first), build a $1,000 starter emergency fund, automate a savings percentage, and increase savings with raises.
• Relationship and giving goals: discuss finances with your spouse, set regular/growing giving (automate it), and consider lifetime or estate giving plans.
• Growth goals: become a more generous person, cultivate an eternal outlook, and find peace by trusting God as Father who provides.

Scriptures mentioned: Proverbs (plans of the diligent), James 4, Job, Matthew 6, Corinthians (giving passage)