Money is a tool that, depending on how we use it, can bring much joy to our lives or it can bring destruction. We need to be aware of all the possibilities it offers as well as the pitfalls. Some of the most amazing things have been done because people had the financial resources to pay for them--businesses have been built, schools started, and philanthropic charities founded that have accomplished much good. On the other hand, friendships have been ruined, illicit gains profited, and lives destroyed – all over the issues of money.

So as we go through this program, I want to focus on applying some simple financial principles, but I also want to teach the underlying philosophies that govern what good people can do and what tremendous accomplishments can be made when we see money for what it is – a tool to improve our lives and the lives of others.

This programs focuses on four modules:

1. Getting Out of Debt – Debt is a killer. It is a killer of dreams and hopes. It is a killer of businesses. It is a killer of financial futures.

2. Saving – One of the key components to long-term wealth building is the discipline of saving money on a regular basis.

3. Investing – Investing is much different than saving. Investing involves risk – calculated risk – and the possibility for much more reward.

4. Giving – Giving a portion of your resources away is one of the most powerful principles you will ever embrace.