Your financial future is shaped by the financial habits you implement today. However, beginning them isn’t always easy. At first, starting a new habit can feel like digging trenches in rock: slow, exhausting, and sometimes painful. Keep digging! keep digging. Eventually, the trenches will be complete, and the water will start flowing.
As Hebrews 12:11 (NLT) says, “No discipline is enjoyable while it is happening—it’s painful! But afterward there will be a peaceful harvest of right living for those who are trained in this way.”
As an investor, entrepreneur, and CEO, my wife and I have a lot of financial habits in place. However, in this blog, I am going to share my five non-negotiable financial habits that, if you let them, will transform your life to be more peaceful, purposeful, and prosperous.
1. Habit of Clarity: Stay Connected to Your Vision
Vision is essential for reaching any financial goal. Think about a time you saved for something big like a car, a down payment, or a dream vacation. You likely knew exactly where every dollar was going! On the flip side, when money lacks purpose, it slips through your fingers. Proverbs 29:18 says, “Where there is no revelation, people cast off restraint; but blessed is the one who heeds wisdom’s instruction.”
If you don’t want to lose control and get off course, remain connected to vision. Seek the Lord for revelation about how you should steward your resources. Make it a practical financial habit: write down your vision and review it regularly, or hold monthly check-ins with your spouse to ensure your spending and investing habits align with your long-term goals.
2. Habit of Focus: Turn Vision Into Action
The next step is to make your long-term vision practical by connecting it to a short-term focus. Financial advice is everywhere, and it can feel overwhelming. So, decide what you’re running toward this quarter. Maybe your goal is understanding where every dollar goes—creating and following a budget could be your focus. Or perhaps you’re ready to start investing—pick one passive income stream and give it your energy.
My wife and I call this approach Focused Rhythm Momentum. Over time, focus becomes rhythm, rhythm builds momentum, and momentum drives results. Lose focus, and the opposite happens—you lose rhythm, and your progress stalls.
3. Habit of Lifelong Learning: Invest in Yourself
If you want to have an above-average income, you must become an above-average person. If you have $1,000, the best investment you can make is in yourself. The same goes for $10,000. You are your most valuable asset, so make sure you are developing in every season of life!
I always encourage people to invest in themselves more than they do in their jobs (and I oversee almost a thousand employees!) We get paid for our value, not our time.
For example, your company pays your salary because you hold a valuable position in the company, not because you show up from eight to five. Your time might be a part of that value, but it’s not the whole part. Think about it: If you showed up from eight to five and did nothing, would you keep your job?
If you want to increase your income, work on increasing your value. Brainstorm different ways to invest in yourself to advance your professional and personal goals this year.
One discipline affects another. As you develop good habits in one area of life, other areas will improve as well. There’s a number of reasons this happens. For example, when someone starts eating healthy and working out, they develop discipline. As they progress, they gain diligence and endurance that they will naturally apply to other pursuits. With each new goal they meet, they gain the confidence that they can excel in work, learning a new skill, or even their relationships. Similarly, as you invest in one area of your life, your whole life will improve!
4. Habit of Community: Surround Yourself With the Right People
There is an old saying that goes “If you want to go fast, go alone, if you want to go far, go together.” When you collaborate with others who share your values and vision, you amplify your impact and accelerate your progress.
One of the biggest threats to your potential is isolation. Though it may not seem like a financial habit at first, having regular rhythms of getting around people who inspire, challenge, and uplift you will do more for your wallet than any investment strategy ever could. It’s not what you know or even what you have—it’s who you know that makes a difference.
That’s why we created WealthBuilders–to gather a community of people who are passionate about using their time, talent, and treasure in a way that glorifies God and builds His Kingdom on earth. If that sounds like you, we’d love to see you at The 2026 WealthBuilders Conference in Denver, Colorado, or via livestream February 20-22. Click the banner below to learn more about the workshops, prayer, worship, and practical business, real estate, and investing workshops this weekend has in store!
5. Habit of Generosity: Give and Be Grateful
Psalm 34:10 reminds us, “Those who trust in the Lord lack no good thing,” and Psalm 23:1 says, “The Lord is my shepherd; I shall not want.” Paul wrote, “Godliness with contentment is great gain” (1 Timothy 6:6). Lack is a lie because we are always rich in Christ. True wealth begins with recognizing that everything we have comes from God, and we are called to steward it generously.
Develop rhythms of giving and gratitude. Pray about the giving rhythm that’s right for you: tithing to your church, first-fruit offerings from your business income, or regular times of prayer to ask God if there’s anyone He wants you to be generous towards. Keep a gratitude journal and make thankfulness a regular part of your prayers.
Grounding your financial habits in generosity and gratitude keeps your heart aligned with God’s purposes and will ensure that Jesus—not money—is your master (Matthew 6:24).
