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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.
Joni Eareckson Tada
Joni Eareckson Tada is a remarkable woman. Injured in a diving accident at the age of 17, Joni has had to endure more physical suffering than most of us ever will. Though she suffered a deep depression and lost the will to live in the aftermath of her accident, she gradually came back to a deeper relationship with God. Because of her early struggles, she has become strong in her faith and is a testimony to the world of how when we are weak, God is strong. Her story is not one of bitterness and despair, as we might imagine it to be, but one of love and victory.
Joni Eareckson Tada was born in Baltimore, Maryland in 1950 to John and Lindy Eareckson. She was the youngest of four sisters, Linda, Jay, and Kathy. Her name is pronounced “Johnny”, being he named after her father. Joni inherited her father’s athletic and creative abilities, giving father and daughter a special bond. Her childhood was an extremely happy one. She grew into a young adult surrounded by love, happiness, and security in her parent’s home. The Eareckson family shared a great love for the outdoors, which promoted family togetherness. They shared in various outdoor activities such as camping trips, horseback riding, hiking, tennis, and swimming.
In 1967, after graduating from high school, Joni had her fateful accident. It was a hot July day and she was to meet her sister Kathy and some friends at the beach on Chesapeake Bay to swim. When she arrived, she dove in quickly, and immediately knew something was wrong. Though she felt no real pain, a tightness seemed to encompass her. Her first thought was that she was caught in a fishing net and she tried to break free and get to the surface. Panic seized her as she realized she couldn’t move and she was lying face down on the bottom of the bay. She realized she was running out of air and resigned herself to the fact that she was going to drown.
Her sister, Kathy, called for her. She ran to Joni and pulled her up. To Kathy’s surprise, Joni could not support herself and tumbled back into the water. Kathy pulled her out and Joni gasped for air. Joni was puzzled as to why her arms were still tied to her chest. Then to her dismay, Joni realized they were not tied, but were draped lifelessly across her sister’s back. Kathy yelled for someone to call an ambulance and Joni was rushed to the hospital.
Joni’s life was changed forever that July day in 1967. She had broken her neck – a fracture between the fourth and fifth cervical levels. She was now a quadriplegic, paralyzed from the shoulders down. While her friends were busy sending out graduation announcements and preparing to go to college in the fall, Joni was fighting for her very life and having to accept the fact that she would have to live out the rest of her life in a wheelchair.
Joni’s rehabilitation was not easy. As you might imagine she was angry and she raged against her fate. She struggled with depression and often times she wanted to end her life. She could not understand how God could let this happen to her. Before the accident she had felt that she wasn’t living the life she should be so she had prayed that God would change her life – that he’d turn it around. After months of staring at the ceiling and wallowing in her depression, Joni began to wonder if this was God’s answer to her prayer.
This realization that God was working in her life was the beginning of Joni’s journey to wholeness as a disabled person. She participated in various rehabilitation programs that taught her how to live with her disabilities and she immersed herself in God’s Word to become spiritually strong.
Joni’s life has been a full one. She has learned early on to compensate for her handicaps. Being naturally creative, she learned to draw and paint holding her utensils with her teeth. She began selling her artwork and the endeavor was a great success. There was a real demand for her work. She kept herself very busy with her artwork and gained for herself a degree of independence. She was also able to share Christ’s love in her drawings. She always signed her paintings “PTL” which stood for “Praise the Lord”.
Joni has also become a sought after conference speaker, author, and actress, portraying herself in the World Wide Pictures production of “Joni”, the life story of Joni Eareckson in 1978. She has written several books including “Holiness in Hidden Places”, “Joni”, which was her autobiography, and many children’s titles. But her most satisfying and far-reaching work is her advocacy on behalf of the disabled.
In 1979, Joni moved to California to begin a ministry to the disabled community around the globe. She called it Joni and Friends Ministries (JAF Ministries), fulfilling the mandate of Jesus in Luke 14:13,23 to meet the needs of the poor, crippled, and lame. Joni understood first-hand the loneliness and alienation many handicapped people faced and their need for friendship and salvation. The ministry was soon immersed with calls for both physical and spiritual help for the disabled.
JAF Ministries thus uncovered the vast hidden needs of the disabled community and began to train the local church for effective outreach to the disabled, an often overlooked mission field. JAF Ministries today includes local offices in such major cities as Charlotte, Chicago, Dallas/Fort Worth, Phoenix, and SanFrancisco. The goal of the ministry is to have ten such offices in metropolitan areas by the year 2001.
Through JAF Ministries, Joni tapes a five-minute radio program called “Joni and Friends”, heard daily all over the world. She has heart for people who, like herself, must live with disabilities. Her role as an advocate for the disabled has led to a presidential appointment to the National Council on Disability for over three years. Joni also serves on the board of the Lausanne Committee for World Evangelization as a senior associate for evangelism among disabled persons. Joni has also begun Wheels for the World, a ministry which involves restoring wheelchairs and distributing them in developing nations.
Joni has won many awards and commendations throughout her life. In 1993 she was named Churchwoman of the Year by the Religious Heritage Foundation and the National Association of Evangelicals named her “Layperson of the Year”, making her the first woman ever to receive that honor. Also among the numerous awards she has received are the American Academy of Achievement’s Golden Plate Award, The Courage Award of the Courage Rehabilitation Center, the Award of Excellence from the Patricia Neal Rehabilitation Center, the Victory Award from the National Rehabilitation Hospital, and the Golden Word Award from the International Bible Society.
In 1982, Joni married Ken Tada. Today, eighteen years later, the marriage is strong and committed and they are still growing together in Christ. Ken and Joni travel together with JAF Ministries speaking at family retreats about the day to day experiences of living with disabilities. At the helm of JAF Ministries, Ken and Joni strive to demonstrate in tangible ways that God has not abandoned those with disabilities. And they speak from experience.
triune decision-making - how god guides tough choices
When we face a big decision, sometimes the decision-making process can feel more like a game show than a guided path. We can easily slip into the thinking that God is hosting “Let’s Make a Deal,” where we have to choose one of a slew of suitcases, hoping we pick the right one. When we face multiple doors and potential pathways, the freedom to choose can feel like crippling anxiety and pressure. Thankfully, our God does not play games with us, nor does he leave us to our own devices when making decisions. Contrary to popular belief, decisions are not puzzles to solve, but privileges to steward with the guidance of our triune God. Triune Guidance God offers triune guidance to his children as we face the decisions of life, from the minute to the monumental. Rather than stand far off from us, watching as we make decisions in consternation, he comes near to us, offering to guide us gently through a process that ultimately leads to more of himself. “Contrary to popular belief, decisions are not puzzles to solve, but privileges to steward.” As the Father who stands outside of time, God knows all that will happen and assures us that none of his plans will be thwarted (Isaiah 14:27; Job 42:2). He providentially steers all of creation, even the decisions of humans made in his image, working all things according to his everlasting and good purposes (Ephesians 1:11; Romans 8:28). He knows the number of hairs on our heads, the length of our days, and the tears we shed as we wrestle to make decisions (Luke 12:7; Psalm 139:16; Psalm 56:8). As the Son who stepped into time, Jesus is the pioneer and perfecter of our faith (Hebrews 12:1–3). He knows what it feels like to live within the limits of time and space, as he made decisions daily during his time on earth. While the first Adam led the way into disastrous, self-centered decision-making, as the second Adam, Christ always made decisions in light of the goodness of his Father (Romans 6:17–21). His perfect decisions cleared the path so that we can make our present decisions in the presence of the triune God. As the Spirit who makes his home within us, the Holy Spirit guides us into all truth, convicting us of our selfish propensities and pointing us to God’s promises as we make decisions (John 16:12–15). He offers us comfort and peace when we feel dizzied by the sheer amount of decisions we make daily. Triune Perspective In addition to these timeless truths that anchor our souls in the sea of decisions, a Trinitarian perspective can also serve as a practical help in the process. When we face decisions large or small, we are limited by our own perspective as embodied creatures. We simply cannot see or imagine all the possible angles, try as we may. God does not live within these limitations. As John Frame wisely notes, God “sees all things from every possible perspective” ( Theology in Three Dimensions , 4–5). While the Trinity is a unity (meaning all of God does all that God does), Frame’s triperspectivalism creates a framework that helps us approach complex truths from three different angles or perspectives within the Trinity. The normative, the situational, and the existential perspectives (which correlate to Father, Son, and Holy Spirit) can serve as different entry points for considering decisions. The normative  perspective relates to God’s authority. God acts as our loving authority, providing principles and revealing truths by which we can understand the normative human experience. As Creator and Father, God sets the standards by which his creatures operate best in his world. When we approach a decision from the normative perspective, we ask, “What does God’s word say about the decision set before me?” The situational  perspective relates to God’s control. Through his eternal Word, God perfectly controls and orders the movement of every proton and every person. If God is in complete control over all things (which he is), then we can trust that he has perfectly ordered our present circumstances with their opportunities, challenges, and limitations. When we approach a decision from the situational perspective, we assess the realities and circumstances in which we find ourselves. The existential  perspective relates to God’s presence. The triune God has always sought to be close to his people, and by the Holy Spirit, he now lives within every believer. He is closer than even the air we breathe. The Spirit searches and permeates the deep waters of human hearts and personalities (1 Corinthians 2:10–13; Proverbs 20:5). When we approach a decision from the existential perspective, then, we are asking more internal questions about personal desires and feelings. Three Perspectives in Action If we can get past the length of the word triperspectivalism , we will begin to see the depth of practical wisdom we can glean from this approach to decisions. For example, when a couple is praying through a potential marriage, walking through the decision from the normative, the situational, and the existential can provide helpful insight. In Scripture, God is clear that marriage is between a man and a woman and that believers are to be equally yoked spiritually ( normative ). If the couple’s friends and family are not opposed to the union, and present circumstances seem to allow it ( situational ), the couple is then free to consider whether they desire to commit to each other in the covenant of marriage ( existential ). Let’s consider a different example. A young couple is eager to grow their family and has prayed and processed through adoption. They know that physical adoption is one of the most powerful pictures of the spiritual adoption we have received through Christ into the household of God (normative). They have been going through the prerequisite steps of training, they have conducted a home study, and they have even begun to check out agencies. There are countless options in their county, all of which they are able to pursue (situational); however, they both feel especially pulled toward the foster-care system, even though they know it will likely present unique challenges (existential). While God is pleased with all forms of adoption, they plan to forgo international and private adoption after much praying and processing within their local church. “God promises to use the decision-making process as a means to make us more like him and to give us more of him.” Finally, let’s look at a more ordinary, everyday decision through these three perspectives. A child has been invited to play in a sports tournament on a Sunday. The family has already prioritized worship in the local church (normative). The child knows that he will miss the first game because attendance at worship is a high point of the family’s weekly rhythms; however, he really wants to play in the afternoon game (existential). The parent of another player offers a ride to the second game that does not interfere with the rest of the plans for the day (situational). The parents are left to discuss what the child thinks is the best way to serve as a team member (existential). Guided Process to More of God When we are facing a significant decision, it is natural to be overwhelmed at the various paths set before us. But no matter which of the potential pathways you choose, remember that Jesus has opened up the most significant pathway for us already: he has opened up the path to fellowship with God through his own body (John 14:6). He has not left us alone to see how we fare in our decisions, as if he were a game show host. Rather, he takes us by the hand and leads us toward glory (Psalm 73:23–24). And along the way, he promises to use the decision-making process as a means to make us more like him and to give us more of him, who is our great reward (Genesis 15:1).