God to You and Me:
“You Can’t Have It All. Sorry.”
Proverbs 6:1-11, 22:7
I Timothy 6:6-11, 17-19
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Two Facts We Must Face
nWe are responsible to God for 100%, not 10%.
nNo one can have everything, so get busy choosing.
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Even the super-rich can’t have it all
MILLIONS
1 Bill Gates 51,000 Microsoft
2 Warren Buffett 40,000 Berkshire Hathaway
3 Paul Gardner Allen 22,500 Microsoft
4 Michael Dell 18,000 Dell
5 Larry Ellison 17,000 Oracle
6 Christy Walton 15,700 Wal-Mart
7 Jim C Walton 15,700 Wal-Mart
8 S Robson Walton 15,600 Wal-Mart
9 Alice L Walton 15,500 Wal-Mart
10 Helen R Walton 15,400 Wal-Mart
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Even the super-rich can’t have it all
n2005 FEDERAL BUDGET: 2,479 Billion Dollars
nOur national government spends Bill Gates’ entire net worth, approximately once every week.
nThe Big Question: can the U.S. Government have it all? NO.
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We are responsible to God for 100%, not 10%.
nWhy? GOD OWNS IT ALL
n“The silver is mine and the gold is mine,” says the Lord Almighty. Haggai 2:10
nWe are stewards, and “it is required of a steward that he be found faithful.” I Corinthians 4:2
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We are responsible to God for 100%, not 10%.
nWe’re responsible to give, as the last three weeks have shown us.
nSo what are we to do with the money we DON’T give?
nPay taxes
nSave
nBuy what we need/want with a glad heart
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MAJOR FAILURE POINT
nBuying what we want NOW, with money we don’t HAVE now…DEBT
nAmerican Bankers Association the average family currently has $8,000.00 credit card debt.
nProverbs 22:7: The rich rule over the poor, and the borrower is servant to the lender.
nOut of control debt produces fear, anxiety, depression, anger, and sorrow
nSEE PROVERBS 6:1-5
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What then are you to do with your money?
nPay debts (if you have them)
nGive
nPay taxes
nSave
nBuy what we need/want with a glad heart
HOW DO I DO ALL THAT????
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What’s a budget?
A budget is a plan in which you tell your money where to go, instead of wondering where it went. John Maxwell
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Budgeting
PRIORITY:
nDebt
nGiving
nTaxes
NEEDS:
nFood & Basic necessities
nShelter (rent or mortgage + utilities)
nClothing
nTransportation (Bicycle? Bus Pass? Car?)
Second Level Needs
nChildren
nMedical
nInsurance: health, life
nCar or second car; gas, insurance, upkeep
nSAVING
nMiscellaneous
Wants
nEntertainment
n Recreation
nPurchase “stuff I want”
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Closing Thoughts from I Timothy
1 Tim 6:6-8
But godliness with contentment is great gain.
I Tim 6:17-19
Command those who are rich in this present world not to be arrogant nor to put their hope in wealth… Command them to do good, to be rich in good deeds, and to be generous and willing to share… In this way they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.
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Dayspring
Fellowship 
