The everyday choices I make regarding money will influence the very coarse of eternity.

When I save, I lay something aside for future need. If I sense God's leading, I will give it away to meet greater needs. When I hoard, I'm unwilling to part with what I've saved to meet others' needs, because my possible future needs outweigh their actual present needs. I fail to love my neighbor as myself.

If you're considering going into student debt, I encourage you to seek the Lord's will through the reading and study of His Word, prayer, and the wise counsel of others before you make the decision to take out a loan.

I believe the most dangerous misconception is the idea our money and possessions belong to us, not God. Many of our problems begin when we forget that God is the Boss of the universe. But in fact He is more than the boss; He is the owner.

We've fallen for the devil's lie. His most basic strategy, the same one he employed with Adam and Eve, is to make us believe that sin brings fulfillment. However, in reality, sin robs us of fulfillment. Sin doesn't make life interesting; it makes life empty. Sin doesn't create adventure; it blunts it. Sin doesn't expand life; it shrinks it. Sin's emptiness inevitably leads to boredom. When there's fulfillment, when there's beauty, when we see God as he truly is-an endless reservoir of fascination-boredom becomes impossible.

From beginning to end, Scripture repeatedly emphasizes God's ownership of everything: "To the Lord your God belong the heavens, even the highest heavens, the earth and everything in it" .When I grasp that I'm a steward, not an owner, it totally changes my perspective.

Give more as you make more. Remember: God prospers us not to raise our standard of living, but to raise our standard of giving.