Living Within your Harvest

GENESIS 41:25,33-37

And Joseph said unto Pharaoh, The dream of Pharaoh is one: God hath shewed Pharaoh

what he is about to do.

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StewardshipCONVINCED.AND.THEN.CONCERNED

5 Now, I want to thank you all for this present here, that I haven't yet opened. And I found a good place tonight for it. So thank you very kindly. And I know that after it's come from your hands to mine, I have to be the steward of this welfare of God of this money. And I want to place it to the best place that I know, where something's being done for the Kingdom of God.

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StewardshipGOD.DOESN'T.CALL.MAN.TO.JUDGMENT.WITHOUT.FIRST.WARNING.HIM

40 …Every man that come on the face of the earth has to answer to God for a responsibility. And, to many

of us, a stewardship, we have to answer for. This responsibility is a stewardship that's been committed

to us by God, I don't care what it is. As I said, "a housewife," then be a genuine housewife. If it's to be a farmer, be a genuine farmer. Whatever it is that God

has put you to do, you got a stewardship to that, you've got to answer to God… 63-0724

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StewardshipGENESIS 15:2 And Abram said, Lord GOD, what wilt thou give me, seeing I go childless, and the steward of my house is this Eliezer of Damascus?

GENESIS 44:4 And when they were gone out of the city, and not yet far off, Joseph said unto his steward, Up, follow after the men; and when thou dost overtake them, say unto them, Wherefore have ye rewarded evil for good?

I CHRONICLES 28:1 And David assembled all the princes of Israel, the princes of the tribes, and the captains of the companies that ministered to the king by course, and the captains over the thousands, and captains over the hundreds, and the stewards over all the substance and possession of the king, and of his sons, with the officers, and with the mighty men, and with all the valiant men, unto Jerusalem.07-02-2014 Success 2

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StewardshipProverbs 21:20

There is treasure to be desired and oil in the dwelling of the wise; but a foolish man

spendeth it up.

Proverbs 22: 3 A prudent man foreseeth the evil, and

hideth himself: but the simple pass on, and are punished.

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Success (n) • The favorable or prosperous

termination of attempts or endeavors; the accomplishment of one's goals.

• The attainment of wealth, position, honors, or the like. The attainment of honor.

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Joshua 1:8 • This Book of the Law shall not depart from

your mouth, but you shall meditate in it day and night, that you may observe to do according to all that is written in it. For then you will make your way prosperous, and then you will have good success.

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• What Debt Is and Is Not • Contentment• Your Enemy in the Natural• The Lord’s Storehouse• Biblical Principles Regarding

Debt

Living Within Your Harvest

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• The Biblical Way to Acquire a House

• The coming Retirement “Apocalypse”

• Opening Your Storehouse

Living Within Your Harvest

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DEUT. 28:15, 43-44 But it shall come to pass, if thou wilt not

hearken unto the voice of the LORD thy God, to observe to do all his commandments and his statutes which I command thee this day; that all these curses shall come upon thee, and overtake thee:

The stranger that is within thee shall get up above thee very high; and thou shalt come down very low. He shall lend to thee, and thou shalt not lend to him: he shall be the head, and thou shalt be the tail.

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We are meant to be “Givers.”For the poor shall never cease out of the

land: therefore I command thee, saying, Thou shalt open thine hand wide unto thy brother, to thy poor, and to thy needy, in thy land.

DEUTERONOMY 15:11

He that giveth unto the poor shall not lack: but he that hideth his eyes shall have many a curse.

PROVERBS 28:27

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What Debt Is:• Webster’s Dictionary: “That which is due from one

person to another, whether money, goods, or services; that which one is bound to pay or perform to another”

• All Credit Card Balances and loans.• Long Term Leases, in which you are financially

obligated beyond the initial deposit.• Loans on which you have co-signed for another.• Any delinquent, unpaid balance from other

commitments.

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What Debt Is Not:• Monthly Payments or Rent

• Recurring Living Expenses−Tithes−Normal Living Expenses−Groceries−Utilities−Taxes

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Again, I considered all travail, and every right work, that for this a man is envied of his neighbor. This is also vanity and vexation of spirit.

ECCLESIASTES 4:4

Ecclesiastes 4:4 (NIV)And I saw that all toil and all achievement spring from

one person’s envy of another. This too is meaningless, a chasing after the wind.

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And be not conformed to this world: but be ye transformed by the

renewing of your mind, that ye may prove what is that good, and

acceptable, and perfect, will of God. Romans 12:2

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Biblical Principles Regarding Debt

“The rich rule over the poor, and the borrower is servant to the lender.”

Prov. 22:7

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Biblical Principles Regarding DebtThe Borrower Has An Absolute Commitment to

Repay. Only the “wicked” avoid payment.

The wicked borroweth, and payeth not again: but the righteous sheweth mercy, and giveth.

Psalm 37:21• Taking bankruptcy doesn’t absolve your culpability.

Responsible until creditor cancels debt. (Luke 7:41, Rom. 13:8)

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Torah TorahThere is the command relating to the Seventh

Year release, "When you come into the land which am going to give you and the land will rest, a rest for God," and the Jubilee after seven seven-year cycles.

The law regarding the First Fruits, "When it will be that you come into the land which YHVH your God is going to give to you as an inheritance and you will take it over and dwell in it, you will bring the first fruits to God." There are special laws relating to cities in the Land of Israel, both with regard to buying and selling property and with regard to who can settle and where.

The Biblical Way A House Is Built Or Acquired

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Proverbs 24:27

Prepare thy work without, and make it fit for thyself in the field; and afterwards build thine house.

• Proverbs 24:27 [Amplified]

“Put first things first. Prepare your work outside, and get it ready for yourself in the field, and afterward build your house and establish your home.”

The Biblical Way A House Is Built Or Acquired

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1. Put First Things First (Matt. 6:33)−Prioritize and Plan

2. Prepare Your Work Outside−Become skilled in your labor−Grow & Mature in Your Occupation. 3. Afterward, build (acquire) your house.−Defer gratification from the fields of your labor (save), and build your house.

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Genesis 41:25-36

GENESIS 41:29 29 Behold, there come seven years of great plenty throughout all the land of Egypt: 30 And there shall arise after them seven years of famine; and all the plenty shall be forgotten in the land of Egypt; and the famine shall consume the land; 31 And the plenty shall not be known in the land by reason of that famine following; for it shall be very grievous.07-02-2014 Success 2

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Joseph’s Store Up Plan (Gen. 41:25-36)

GENESIS 41:34-37 Let Pharaoh do this, and let him appoint officers over the land, and take up the fifth part of the land of Egypt in the seven plenteous years. 35 And let them gather all the food of those good years that come, and lay up corn under the hand of Pharaoh, and let them keep food in the cities. 36 And that food shall be for store to the land against the seven years of famine, which shall be in the land of Egypt; that the land perish not through the famine. 37 And the thing was good in the eyes of Pharaoh, and in the eyes of all his servants.

The Lord’s Storehouse

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• Joseph’s Store Up Plan (Gen. 41:25-36)

−The key is “the fifth” in seven years. (v.34)−Use the abundance of your harvest to store up

and pay off debts. (v.47-48)−After debts are extinguished, continue storing

up a fifth to prepare for future famine. (v.49)−God wants His people to be debt free before

the years of famine so that they can be a help to the ones in bondage during the famine.

(v. 56-57)

The Lord’s Storehouse

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Treasure In HeavenPerishable vs. Imperishable:

But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: For where your treasure is, there will your heart be also.

Matt. 6:20For which cause we faint not; but though our outward man perish, yet the inward man is renewed day by day. For our light affliction, which is but for a moment, worketh for us a far more exceeding and eternal weight of glory; While we look not at the things which are seen, but at the things which are not seen: for the things which are seen are temporal; but the things which are not seen are eternal.

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The Lord’s Storehouse• Under a curse for robbing God... Bring the whole tithe

into the storehouse that there may be food in His house. Malachi 3:9-10

And the famine was over all the face of the earth: And Joseph opened all the storehouses, and sold unto the Egyptians; and the famine waxed sore in the land of Egypt. Genesis 41:56

“The LORD will open the heaven, the storehouse of His bounty, to send rain on your land in season and to

bless all the work of your hands.”

Deuteronomy 28:12

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The Lord’s Storehouse• The Tithing Principle: Malachi 3:9-10

• It’s sin to test God, yet He commands that we test Him in the area of tithes and offerings.

• Promised Increase & Promised Protection−“Throw Open the Windows of Heaven”−“Rebuke the devourer”

• Prevent the devouring pests.• Fruit not cast from vine.

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Borrowed Money is Easily Obtainable;

Able to Make Payments;

Always Seems to be a Surplus;

The Need for SavingsIs Not Apparent

Borrowed Money is Hardly Available;

Not Able to Make Payments;

Surplus has Evaporated;

The Need for SavingsIs Obvious

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Honour the LORD with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine. My son, despise not the chastening of the LORD; neither be weary of his correction: For whom the LORD loveth he correcteth; even as a father the son in whom he delighteth.

Happy is the man that findeth wisdom, and the man that getteth understanding. For the merchandise of it is better than the merchandise of silver, and the gain thereof than fine gold.

Proverbs 3:9-14

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THE COMING RETIREMENT APOCALYPSE

“Regardless of the eventual solution, few dispute that we’re on a dire course at present. Experts estimate that half of Americans are at risk of becoming economically insecure in retirement. Our system is in desperate need of a fix.

Time Magazine June 30, 2014

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Consider these five statistics:• 46% of Americans have less than $10,000 saved for

retirement. (Employment Benefit Research Institute)

• 40% of baby boomers now plan to work until they die. (AARP)

• 36% of Americans say they don’t contribute anything at all to their savings. [CNBC]

• 87% of adults say they are not confident about having money for a comfortable retirement. (Lifehappens.org)

• Expected retirement age is up to 67 from age 63. (Zero Hedge)

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The 50 states are collectively facing $5.17 trillion in pension obligations, but they only have $1.94 trillion set aside in state pension funds.

Robert Novy-Marx of the Universityof Chicago and Joshua D. Rauh of Northwestern's Kellogg School of Management recently found this when they calculated the combinedpension liability for all 50 U.S. states. That is a difference of 3.2 trillion dollars. Most states are already compromised financially.

Read more: http://www.businessinsider.com/facts-about-retirement-crisis-2010-12?op=1#ixzz36F6S1A9K

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• In 1950, each retiree's Social Security benefit was paid for by 16 U.S. workers. 

• In 2010, each retiree's Social Security benefit is paid for by approximately 3.3 U.S. workers.

• By 2025, it is projected that there will be approximately two U.S. workers for each retiree.

Source: GAO.govRead more: http://www.businessinsider.com/facts-about-retirement-crisis-2010-12?

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Average Annual Health Care Costs Per Person:

1990 $2,8542000 $4,8782010 $8,402

Read more: http://www.bankrate.com/finance/retirement/health-care-costs-a-huge-retirement-factor-1.aspx#ixzz36FLYjC8Y

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Peter Arthur Diamond (Born April 29, 1940) is an

American economist known for his analysis of U.S. Social Security policy and his work as an advisor to the Advisory Council on Social Security in the late 1980s and 1990s. He was awarded the Nobel Memorial Prize in Economic Sciences in 2010.

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5 Ways to Ruin Your RetirementAs much as we would like to blame the stock

market for the shortcomings in our nest eggs, the truth is that our own choices also impact our retirement savings.

And while no one sets out to ruin their retirement, statistics show that many of us are doing just that with our poor investing choices.

A good man leaves an inheritance to his children’s children, But the wealth of the sinner is stored up for the righteous.

Prov. 13:22

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1. You Wait Too Long To Start Investing:

When it comes to investing, you can’t make up for lost time. That’s why you should invest early, no matter how small the amount, to take advantage of compound interest.

For example, a $2,000 lump sum invested when you’re 30 years old can grow to $72,000 by the time you’re 60…

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1. You Wait Too Long To Start Investing:

When it comes to investing, you can’t make up for lost time. That’s why you should invest early, no matter how small the amount, to take advantage of compound interest.

For example, a $2,000 lump sum invested when you’re 30 years old can grow to $72,000 by the time you’re 60. But that same $2,000 investment will be worth $237,000 if you invest it 10 years sooner. That’s the power of compound interest!

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2. You Don’t Invest Enough For Retirement

The same survey showed that while saving for retirement is a main goal for most people, they want to split their disposable cash between paying off their home, saving for a child’s college fund, and retirement savings.

Multitasking with your money is fine, as long as you first invest 15% of your income for retirement. Why? A paid-for home won’t help you cover your expenses in retirement. Neither will a paid-for college tuition.

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3. You Don’t Invest For Retirement At All

A recent survey by Deloitte Center for Financial Services found that nearly 60% of pre-retirees don’t have a retirement plan, and 20% expect to live on their Social Security benefits alone in retirement.

The average monthly benefit from Social Security is only $1,230, so it’s clear that any savings are better than no savings. No matter how far behind you think you are, make a plan.

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4. You Cash Out Or Take A Loan Against Your Retirement Savings

Roth IRAs and 401(k)s allow you to withdraw or borrow funds under certain circumstances. But doing so will not only lower your balance, you’ll miss out on that money’s growth potential. You could also be subject to taxes and penalties. Pay off your debt and build an emergency fund before you start investing, and use that cushion to pay for unexpected expenses. Keep your retirement fund for retirement only!

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5. You Invest On Your OwnMany investors believe they will save

money by handling their retirement investing on their own. But do-it-yourself investors rarely have the time or the expertise to find the best funds or understand the market cycles that are part of stock market investing.

As a result, they are more likely to reduce their returns by investing when prices are high and cashing out when prices fall.

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Next Step: Opening Your Storehouse

1. Set Up A Balanced “Zero Based” Budget.

2. Save $1,000 in Cash As A Starter Emergency Fund

3. Initiate Joseph Plan − Pay Off Consumer Debts

4. Expand Emergency Fund to 3 Months of Expenses

5. Pay Off Mortgage—You’re Debt Free!!!

6. Expand Emergency Fund to 6 Months of Expenses

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Questions & Comments