If hard work, integrity, thrift, and perseverance have caused you to succeed, then you don't owe anyone an apology for winning.
Do not let your life, ministry or organization go faster than your resources.
I believe that through knowledge and discipline, financial peace is possible for all of us.
I would not pre-pay. I would invest instead and let the investments cover it.
We learned early on that if we help enough people, the money will come.
Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.