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About the Book
"Wealth Building 101" is a practical guide that helps readers understand the fundamentals of creating wealth and achieving financial freedom. The book covers topics such as saving, investing, budgeting, and managing debt, providing readers with actionable steps to improve their financial situation and build long-term wealth. It is a comprehensive resource for individuals looking to enhance their financial literacy and secure their financial future.
John Owen
John Owen’s life was incredibly difficult.
Born in 1616 and dying in 1683, Owen lived through the deaths of his first wife and all of his children, several of whom died in very early childhood. He supported his last surviving daughter when her marriage broke down. He contributed to a political revolution, watched it fail, saw the monarchy restored and wreak a terrible revenge on republicans, and lived in and around London during the persecution that followed. For twenty years he would have seen the decapitated heads of his friends on display around the city. He died fearing that the dissenting churches had largely abandoned the doctrine of the Trinity and justification by grace alone through faith alone in Christ alone; and, with Charles II about to be replaced by his openly Catholic brother James, believing that the English Reformation was almost over.
Owen was one of the most published writers in the seventeenth century.
He published around 8 million words. These writings included books on theology and spirituality, politics and economics, and ranged in length from the largest commentary ever published on the epistle to the Hebrews to a short Latin poem that has never been reprinted. For not all of Owen’s works have been kept in print. The most widely circulating nineteenth-century edition, most of which is published by the Banner of Truth, did not include Owen’s sermon manuscripts that are kept in various English libraries, nor the book for children that Owen published in 1652.
Owen was one of England’s earliest children’s authors.
The catechisms that Owen published (1645) outlined what he expected children in his congregation to know. These catechisms were published before the Westminster Assembly published its better-known examples. But Owen’s catechisms are in many ways simpler. The Primer (1652), which Owen prepared after the death of several of his children during the years of poor harvests and disease at the end of the 1640s, showed what Owen expected of an ideal Christian home. Its routine would be built around Bible reading and prayer, he believed, and his little book included sample prayers that children could learn to pray in mornings, evenings, and at meals. Owen argued that those who led church services should take account of the needs of children. Services that were too long, he believed, did no one any good. Adult believers should not need written prayers, he believed, and these should be banned from public worship. But children were different and needed all the help they could get.
Owen enjoyed many warm friendships.
His social network included many of the most famous writers in seventeenth-century England. Among his friends and rivals were John Milton, Andrew Marvell, John Bunyan, and Lucy Hutchinson. Owen fell out with Milton and became the subject of one of his sonnets. Owen helped Marvell publish one of his most controversial political pamphlets. He encouraged his publisher, Nathanial Ponder, to publish Bunyan’s Pilgrim’s Progress. And he appears to have supported Lucy Hutchinson during her move into London, when she attended and took notes upon his preaching and translated large parts of his Theologoumena Pantodapa (1661)—a translation of which has been published with the title Biblical Theology. Owen’s letters reveal his kindness and care as a pastor, especially to mothers grieving their children’s death.
Owen was deeply political.
He preached to Members of Parliament on the day after the execution of Charles I, and pinned his hopes for the reformation of church and society on their efforts to transform England into a protestant republic. During the 1650s, under the leadership of Oliver Cromwell, Owen served on important committees that sought to establish a religious foundation for the new regime. But he grew dismayed by the ways in which the Cromwell family, and the administration they led, seemed to turn away from godly values. In 1658, he worked with leading army officers to create a crisis that, he likely hoped, would call the regime back to its earlier ideals. It failed, and instead created the crisis that was resolved by the restoration of the monarchy, the return of Charles II, and the persecution of dissenters that followed. During the Restoration, Owen kept his head down, and, as persecution slackened in the later 1660s, published pamphlets that argued that dissenters were the economic lifeblood of the English nation. But he was chastened by his attempts at political intervention and came increasingly to realize that his focus should be on things eternal.
Owen often changed his mind.
As his developing attitudes to political intervention suggest, Owen committed himself to some beliefs and behaviors that he came to regret. In his early years, he changed his churchmanship from Presbyterianism to Congregationalism. He innovated as a Congregationalist, installing as a co-elder and preacher a man who would not be ordained for several years. He argued for the weekly celebration of the Lord’s Supper, though it is not clear that he ever persuaded any of his congregations to practice it. He thought carefully about the end times and came to believe that, in the latter days, a large number of Jewish people would be converted to Christianity and would return to live in the Promised Land. He dismissed a great deal of discussion about the millennium, but became convinced that the binding of Satan had yet to be achieved. Owen changed his mind because he kept on studying the Bible.
Owen was biblical, through and through, and depended just as much on the Holy Spirit.
He certainly believed in a learned ministry–after all, he had taught theology at Oxford and done his best to promote godliness within the student body. But he also trusted the Holy Spirit to guide ordinary Christians in small group Bible studies that did not need to be policed by a formally trained expert. Aside from his own Bible study, which advanced on the serious scholarship represented by the three thousand titles that were included in the catalog of his library published soon after his death, Owen encouraged church members to meet together to study Scripture in private.
Owen trusted the Bible and the work of the Spirit after writing about both.
Owen was not a philosophically-driven, rationalist theologian. His writing abounds in biblical citations. It is molded and contoured by biblical revelation. But he warned that Christians could approach their study of the Bible with absolutely no spiritual advantage to themselves. Christians who approached the study of the Bible without absolute dependence upon the Spirit who inspired and preserved it would gain no more benefit than Jewish readers did from their Scriptures, he argued. Christians should never choose between entire dependence upon the Bible and the Spirit.
Owen believed that the goal of the Christian life was knowing God.
Before Owen, no one had ever shown clearly how Christians relate to each person of the Trinity. Owen described the goal of the gospel as revealing the love of the Father, who sent the Son as a redeemer of his people, who would be indwelt, provided with gifts, and united together by the Spirit. Owen’s Communion with God is among his most celebrated achievements—and no wonder. It is the exhalation of his devotion to Father, Son, and Spirit, and the discovery of the limitless love of God.
Owen is much easier to read than many people imagine.
There is a mystique to Owen—a widespread feeling that his books are too difficult and best left to expert theologians. But Owen’s greatest books were written as sermons for an audience of teenagers. Publishers have begun to modernize Owen’s language in new editions of his works. Now more than ever, it’s time to pick up Owen and find his encouragement for the Christian life.
God Has a Wonderful Plan for Your Life
How do we choose what path to take? We have more opportunities than any generation before us. Technology, material wealth, and a global interconnectedness presents the average American Millennial with more potential than our parents could have ever imagined. In this cacophony, we routinely wonder — and worry — what direction our lives will take. For the believer, we are told to trust God and know that his will is perfect. Pulpit axioms and best-selling books echo themes to the effect of the Lord’s words to Jeremiah: “For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future” (Jeremiah 29:11). God desires good for his children (Romans 8:28). This theme is repeated throughout his word and is true. But Paul has more specificity to add to God’s will for our lives. Paul states it in 1 Thessalonians 4:3, “For this is the will of God — your holiness.” The Plans You Have for You I hate everything the prosperity “gospel” stands for, but too often I live like one who believes it. When I think about God’s good plans for me, I picture getting married and raising a family as soon as possible, becoming a mid-level manager by 30, and retiring comfortably at 60. In other words, my way of viewing God’s plan for me looks oddly like the American Dream. These things are all good gifts, and there’s nothing immoral about wishing for a comfortable life in the right context. In fact, we should pray that God blesses us and his people. The problem arises when we wish for such temporary things more than the ultimate joy received through sanctification. The reality is that for most of church history — and in most of the world today — Christians have been severely oppressed, marginalized, and killed for their beliefs. Observe the lives of the early apostles; almost all of them were martyred. For most Christians, seeking God’s will doesn’t look like fretting over career decisions, but learning how to live for God’s glory when the stakes are high and the costs steep. Life Coach Or Lord? We often want God to be our life coach rather than our Lord. We want a pastor to give us three to five helpful tips on how to live an easier life, all the while forgetting that our mission is to exalt God. Instead of letting his glory to shape our desires and ambitions, we too often expect him to reveal his minute-by-minute instructions for our lives. We expect him to spell out everything. We crave the personal comfort of knowing our destined five-year plan over faithfully trusting him the next five years. Slowly, we forget that faith might look messy, and that we might not have our entire life plan unveiled to us immediately. Sometimes, we must step forward with both confidence and uncertainty. We forget that, while God has conquered death through his Son on the cross, we still live in a fallen world and are amid a spiritual war between good and evil. We forget that he’s sovereign over us. God’s Wonderful Plan for Your Life God does have a wonderful plan for your life. But for the believer, that plan is salvation from his wrath that we justly deserve. And it is indeed a wonderful plan — while we merited eternal punishment, God satisfied that payment through his Son. God’s wonderful plan for our life is that we continually surrender the evil desires of our flesh and conform more to his image. God’s wonderful plan for our life is that we repent, believe in him, and fight sin through his power. God’s wonderful plan for our life is sober-mindedness, sexual purity, and that we “walk not as unwise, but wise, making the most of our time because the day is evil” (Ephesians 5:15-16). God’s plan is that he may be most glorified in us through us being satisfied in him. As Christians we know that true happiness — the truly wonderful life — comes from true surrender. Free to Trust God So, what would it look like to reconstruct how we, as believers, view God’s will? His word says that “Godliness with contentment is great gain” (1 Timothy 6:6), and to, “Seek first the kingdom of God and his righteousness, and all these things will be added to you” (Matthew 6:33). How ought we make decisions in this light? In the here-and-now, it can be difficult to decipher what he’s telling us. In times when God seems to be speaking to us in a faint whisper, we must realize his primary will for us: holiness. This realization is tremendously freeing. Instead of being stuck in paralysis of deliberation, we can take the next step forward. We begin to recognize that what is on this earth is fleeting. We don’t have to fret in indecision, futilely trying to interpret God’s will as if it were a complex puzzle. When we have the choice between good options concerning careers, jobs, places to live, and the like, we can decide confidently knowing that God wants our holiness regardless of our context. We don’t know what the future will hold, but we know that he is good and will bring what he began to completion (Philippians 1:6). If we pursue holiness first, wherever we may end up will be of some importance, yet ultimately trivial. Before every big decision, surrender to God and pursue holiness. Trust the Lord and his promises to make your paths straight (Proverbs 3:5–6). Article by Daniel Hess