In his famous book “David Copperfield”, author Charles Dickens gave a very simplistic formula for happiness: “spend less than you earn”. Fortunately, God’s Word – the Bible provides a great deal more depth with over 2,000 scriptures relating to financial matters. Wouldn’t it be wonderful if America, and all the world’s debtor nations, as well as all families, would follow even this most basic advice from Dickens. The United States of America has set a horrible example for financial management . For years, this country (which we love) has spent far, far more than the money it received. The result has been debt and the printing of more and more US currency, and the astounding expansion of our national debt…a debt that future generations will have to repay.
It will take many years for wise men and women leaders to return America to a stable financial platform…assuming they have the courage to stay the course. However, the average person or family must take a fast track approach. After all, we cannot just print currency (at least not legally) and we cannot float bonds or borrow long-term from banks and foreign nations, like China.
Fortunately, the Bible is loaded with real world advice on how Christians can be good stewards of the resources God has blessed us with. As a quick refresher, take a few minutes to read Deuteronomy 8:18, Psalms 50:10 and 1st Chronicles 29:11-12. These are just a few of the scriptures attesting to the fact that God owns everything and only He gives us the power and ability to get wealth. Www.debtfreelegacy.com is a ministry dedicated to helping people achieve their God-given destinies. The Legacy Edition workbook “Financial Freedom in 7 Weeks Plus” helps people work through practical exercises, backed by scriptural support, to get their own financial houses in order. Part of the course uses Charles Dickens’ logic of spending less than you earn. However, the training goes far beyond that by leading people on a path to true Financial Freedom….God’s Way!
Our testimony begins with desperation. On the morning of June 20, I awoke to a checking account balance of one penny. Judy and I had never been in such financial straits. We had been faithful tithers since we married in 1993. We had given regular freewill offerings and alms. We had no credit card obligations. No car payments. We also had no money. Zero cash in checking and dwindling scraps in savings.
-- Ken and Judy
We were stressed, afraid, full of doubt. God, what is going on?
In the early years of our marriage, we led a financial management course at our church in Florida. We gave roughly 25 percent of our gross income to the church and had plenty left over. In 2001, we moved to San Antonio. I had a Good salary, Lots of perks, Regular vacations. Life was good. When Judy began a new career, our income soared. As our children grew up and began playing sports, our lives got busier but our marriage remained strong.
In March 2009, I lost my job. Days after my last paycheck, I began a new job in marketing. I took a 40 percent cut in pay. The economy collapsed. Judy’s commissions vanished. We cut expenses and made up the difference with my severance package -- but that didn’t last long.
After awaking to the one cent checking account, I called a friend from Summit and we fasted. Before the end of the day, several hundred dollars appeared in our account. We still needed a breakthrough and enrolled in a Summit class, “Financial Freedom In 7 Weeks-Plus.” After the first class, we came downstairs and noticed a scorpion crawling across the carpet. I crushed it with my shoe, scooped it with a napkin and deposited it in a trash bin. The Lord reminded me of the scripture, “You shall trample scorpions and snakes.” I knew breakthrough was imminent.
Much of the class seemed like review for us. But the spiritual warfare component opened my eyes. I repented of judgments I had made and fasted once a week for financial freedom. On my way to work one morning, Judy said, “Call me with good news.”
I received a freelance assignment that day and phoned Judy. The next morning, she kissed me at the door and said, “Call me with more good news.” The heavens opened. After fasting that morning, a friend I hadn’t seen in years called and invited me to lunch. Shortly after we met, my friend said, “I heard you and Judy were struggling.” Before I could respond, he handed me a check for $500.
Call me with good news, honey. …
I received a raise. Judy secured a new client. My raise came with a bonus. Judy made a nice commission. My mother-in-law decided to buy us a new refrigerator. Judy earned another commission and a bonus! On and on it went: new assignments, more clients, good commissions, unexpected gifts. …
I began to feel like George Bailey at the end of It’s A Wonderful Life. Before the course ended, we re-financed our house, shaved two years off our mortgage, skipped two months of payments, lowered our monthly payments and received substantial cash back from our escrow account.
Our teachers, Tom & Betty Stewart, provided strong leadership. Our classmates inspired us. The Holy Spirit worked wonders. God’s blessings continue. We have not fully recovered from the financial hit we took in 2009. But we are advancing - prayerfully and strategically - and rejoicing in new financial liberties.
“After completing the Financial Freedom in 7
Weeks Plus focus group, our marriage and our lives were
forever changed. We realized we had allowed certain
strongholds to take root in our marriage and family.
But our premier breakthrough came during the homework
from Chapter 1. We made a one-flesh decision to implement
the three pronged giving plan of tithing, giving above
the tithe and the sowing of alms. We had been tithing,
for years, but we had discovered that unforgiveness
had been blocking our financial blessing. When we purposed
to give above the tithe, and put our written plan into
action, God put His plan into action. We are now giving
more than we’ve ever given—and we’re
living Malachi 3:8-10! We are continually being blessed
and being groomed to be lean, mean, blessing machines!
God is no respector of persons, and what He’s
done for us, He can do for you! He owns it all and we
obediently give a percentage of our combined income
to fund His Kingdom glory! We’ve been able to
increase that percentage annually.
Another huge breakthrough came when we read Chapter
9. We discovered we were being vexed through our kids
who had exhibited such bad behavioral problems that
we had become consumed with their care and with bailing
them out of trouble by financing their foolishness.
Needless to say, we have made changes in this area and
we have fully embraced the Spiritual Warfare challenge
on behalf of our adult children, grandchildren and future
generations to come!
We so appreciate the uncompromising teaching, love,
prayer and guidance of Bill and Maureen Sitter –
they have laid the groundwork for us to follow. We are
debt-free, working at paying off our mortgage and will
never be in debt-bondage again! Thank you, thank you,
thank you, Bill and Maureen for being that example for
us, and others, to follow!”
-- Dave and Joyce Shoemaker
(Focus Group Leaders and www.debtfreelegacy.com
Core Leadership Team Members)
“After going through Financial Freedom in 7 Weeks
Plus, our lives have not been the same. Unfortunately,
we were living the statistic where 90% of our discussions
were about finances and it affected our marriage negatively.
Throughout the course our marriage experienced healing.
Each week we rediscovered who we were and where God
wanted us to be in the areas of our relationship and
finances. The chapter on breaking curses and strongholds
helped us become stronger. As our marriage was being
restored, so were our finances. Now that we are being
obedient to the Word and putting into practice what
we have learned, we have experienced many breakthroughs
and blessings. We give God all the glory and we thank
Him that He gave Bill and Maureen the vision to help
others achieve financial victories and become debt free.”
-- Joe and Rosa Dominguez
(Focus Group Leaders and www.debtfreelegacy.com
Core Leadership Team Members)
I love it! Chapter 9 (Breaking Curses, Blockages & Strongholds) really sets
this course apart. Spiritual warfare has become a new weapon in my arsenal.
And this course has helped me measure, understand and control spending.
--- Stephen Jones
“I am so excited because this class has changed
my life. I was at a place where I was very dissatisfied
with the way I was spending my money and could sense
it was not the way God wanted me to handle it. I continued
to do wrong things with my money simply because I knew
no other way.
When I took the class and began to grab hold of biblical
principles, every area of my life began to change. I
started tithing correctly, giving freewill offerings,
and sowing alms. I immediately began to feel better
about my life. I put a debt repayment plan and a flexible
spending plan into action and was able to decrease my
debt by 90% within the first 6 months. I was able to
save more and invest more and, having paid off credit
cards, I was able to do what my heart’s desire
really was: give more to the church building fund to
help leave a legacy for the next generation.
I have been able to help my friends grasp the principles
this course taught me because they can actually see
the way my life has changed. One friend in particular
decided to take the course after talking to me and her
personal testimony is incredible.
I thank God for my small group leaders, Dave and Joyce
Shoemaker, because they helped me see what God has planned
for me in His Word. When I apply the principles of His
Word, God simply honors that. I now have an inner peace
that really does surpass all understanding.”
-- Kawanda Dixon
Sergeant Major US Army (Retired)
“Financial Freedom in 7 Weeks Plus is a great
program that helped us identify and change bad behaviors
and thinking regarding our finances, and we’ve
seen significant results. This biblically-based course
enabled us to work together and change those wrong thoughts
and habits and focus on being biblically-based stewards.
Financial planning is not solely Krishna’s or
Bret’s job – it’s a joint (one flesh)
responsibility for establishing and monitoring our monthly
spending habits and goals. It hasn’t been easy,
but the tools we’ve learned to use through this
program have given us peace of mind and a greater sense
of financial security. By following God’s plan,
we’re definitely believing the promise of Matthew
25:21, that as we are faithful in a few things, God
will put us in charge of many things. We desire to hear
Jesus say, “Well done good and faithful servants.”
-- Brett and Krishna Stevens
“We’ve been married thirteen years and
have had bad spending habits and could not agree on
many expenditures. Before this 7 week course, we tried
budget programs but without success. We began the class
and immediately began seeing breakthroughs: new career
opportunities, bonuses, and even an exceptional car
purchase deal. We found a new level of agreement in
our marriage and began moving towards freedom from debt
and a road to living financially in a godly manner.
The adversary, the devil, fought us all the way but
the spiritual warfare training (Chapter 9) showed us
how to deal with Satan. We now have good goals for the
future that include giving to God. We see where the
money is going. We feel the power of a couple in agreement
and we know that all financial decisions are really
spiritual decisions. Thanks to this book, course, and
our focus group leaders, we have the tools to build
a solid financial and spiritual legacy for our kids.”
-- Robert and Abril Herald
“As a direct result of the Financial Freedom
in 7 Weeks Plus course, we have a new mindset that will
no longer allow the past to rob our future. God’s
financial plan is now our priority. We realize that
the ‘stinkin thinkin’ of the world’s
system (easy credit rip offs and debt) is an absolute
lie. The redeemed of the Lord can and should live like
-- Tim and Patricia Nichols
"This 7 week small group program was awesome!
Before this course, my husband James and I were never
on the same page concerning our spending. We now have
a true understanding of what it is that God has purposed
for us. Knowing His Word regarding money, spending,
building, saving, and applying the principles of this
program will help us be in agreement, and stay focused,
on how to handle God's money."
-- T. Smith
“Dear Bill and Maureen, When we attended
your finance focus group we didn’t really know
what to expect. Our finances were in bad shape. Frankly,
it was embarrassing to share. Thank you for being so
compassionate and caring. The small group environment
made it easy to be transparent. Thank you for showing
us God’s never changing principles. This has definitely
helped us gain control of our finances. In addition,
your course has been very effective in teaching us how
to deal with debt. We are on the road to becoming DEBT
FREE! We know where we stand, and we have a plan, thanks
to you. In the name of JESUS we declare, in faith, that
we are debt free! Thank you and may God bless you both.”
--- Mike and Kathie Maloney
"The 7 week course taught us a lot more than just
getting our stuff (finances) in order. What we have
learned empowers us to leave a legacy for our kids and
future generations. (It's like opening up a can of worms
and seeing a cabinet full.) The good news is that the
book offers Godly solutions."
--- Bill Rinehardt
“Before the course, my husband Bill and I were
not on the same page. I was the one who did everything
regarding our finances. I tried to give the financial
responsibility to my husband, but he didn’t want
it. Now, we make financial decisions as a team.”
--- Irene Rinehardt
“For about three years, my wife and I have been
discussing/planning for my retirement from my second
career. The Financial Freedom in 7 Weeks Plus course
helped us finalize this plan in an organized manner.
We had been exposed, at one time or another, to most
of the principles, but never in a neat package. The
course forced us to accurately list all our liabilities
and assets. Thus, giving us a true picture of our financial
position. It also helped us formulate a family spending
plan that will allow us to succeed with our plan. At
first we were overwhelmed, but as we neared the end
of the 7-week course all the pieces of the puzzle started
to fall into place. The greatest impact on us was that
our hearts were forever changed towards finances (God’s
money). The course made Psalm 37:4 a reality in our
lives: ‘Delight yourself in the Lord and He will
give you the desires of your heart.’”
--- Tony and Blanca Chapa
"The Financial Freedom in 7 Weeks Plus course
was a major blessing to us. We are now applying the
principles we learned in our daily lives. Before attending
the class, Percy managed the finances. Now, we take
time to plan short and long term financial goals. This
course taught us to work together as a one-flesh team
regarding our finances. As we were participating in
the course, we received a great breakthrough. God revealed
to us that we were sowing good seed into bad ground.
We repented and God brought about a great financial
blessing, within days. Praise God!"
--- Percy and Daynelle Kimbrough
“The Financial Freedom in 7 Weeks Plus course
gave us the tools to be better stewards of our money.
We now pay more attention to small financial details.
We’ve learned that it’s not how much money
we make that’s important, but how we manage it.
We now know where our money is being spent and how to
better plan. Instead of ignoring a difficult situation,
we face it. The weekly lessons taught us a great deal.
We made a slight adjustment to our mortgage payment
(it cut 5 years off the loan). We now pay it (half of
a full monthly payment) every two weeks instead of once
a month. Also as a result, we will save $20,000 in interest
payments. Anyone who has self-employment income will
definitely be blessed by the Guidelines for the Self
Employed in Chapter 2. We really appreciate the Sitters’
willingness to teach and train others.”
--- Larry and Maria Dahlstein
(Note: The Dahlsteins served
as leaders in training and progressed to lead a 7-week
focus group. They have eight children, home school,
and both spouses work multiple jobs; so what’s
"Most importantly, I learned that Satan really
does not want Christians to have this financial freedom
information. He fights you in whatever area of weakness
you have - for me it was "This is too hard!!"
Prayer and spiritual warfare are both absolutely necessary
for true financial success. Thanks to this program,
I now know how to use both."
--- N. Comstock
“This Financial Freedom in 7 Weeks Plus course
showed me that God wants to be a part of my life and
my finances. Buying this book is a great step financially
and spiritually. Any thoughts of fear, stress, shame,
and not having enough time are clearly thoughts from
the devil. The devil wants to keep God out of your financial
life. The strongest and brightest light is from our
Father. So, turn on the light, and let God govern your
finances. He is ready to bless you and your family!
In the 7-week focus group study, you will find faith,
fellowship, and love. You will also receive an understanding
of how to keep God in your bank account and the devil
out. You will learn practical financial applications
based on biblical truths. These truths are essential
for the rest of your life. The joy that comes from this
class will elevate your spirit and strengthen your faith.
Tithe to your Father, pray for guidance, share with
your class, and do your homework. I thank God for His
many blessings, for this class, and for the incredible
focus group leaders called to faithfully teach this
life changing material.”
--- Amelia Hartzel
“This course provided financial principles that
we found are easy to both understand and apply in our
daily lives. The small focus group (meeting in a friendly
home environment) put us at ease. We are both self-employed,
and we especially benefited from the Guidelines for
the Self-Employed (Chapter 2). We learned how to calculate
“increase” and our tithe, even though our
income was very irregular.”
--- Ed and Margaret Marotta
“Dave and I have been married for 4 years. Dave
is active duty Air Force and we both had quite a bit
of debt when we got married: student loans, personal
loans, car loans, credit cards, etc. We constructed
a budget while trying to figure out what to do with
one income. I searched for a job until we received the
news that I was pregnant with our first child. We got
things under control on our own, but didn’t feel
we were making any progress on our debts. They just
kept getting bigger, although we were paying the monthly
minimums. Then our second child came along and the Air
Force moved us from NC to TX.
We were praying for God to guide us in our finances,
wanting desperately to have the financial means to bless
our church and the ministries that had blessed us, but
instead it felt as though we were continuing to drown
We heard about the “Building A Financial Legacy”
seminar by Bill and Maureen Sitter, and the Finance
Team. Some of the things we had heard before, but some
of it, especially hearing it in the context of Scripture,
was very eye-opening for us. We desperately wanted to
join a small focus group, but the military was sending
us to Alabama and we would not be in town for the 7-week
group. We bought the book and resolved to go ahead and
work through it on our own.
God has richly blessed us for being faithful to Him
and applying the principles of the workbook. You can
learn what God has for you in working through the 7-weeks
of material! We had been tithing before the course,
but the area of giving above the tithe was new to us.
Since that time, we have increased our giving, increased
the amount we are paying on our debts and still have
plenty to meet our needs each month. We have tightened
our belt on non-essentials and wants, and have focused
on our savings, debt payment and sowing into God’s
We have already paid off two debts and rolled that
money over to the next one. We will have all of our
credit card and personal loans paid off in about one
year, and then we’ll be down to the mortgage,
car, and student loans.
We want to encourage everyone who needs guidance or
is looking for hope in their finances to get involved
in a 7-week group. We also want to encourage those who
for whatever reason cannot commit to the small group
to buy the book, commit to prayer, do the work, apply
the principles, and just see what the Lord can do in
It takes diligence but you can succeed using this workbook
even without the blessings of being in a 7-week focus
--- David and Jessica Ham
“After finishing the Financial Freedom in 7 Weeks
Plus course, the Lord gave us a new understanding of
how to steward our finances. The course also gave us
hope and a vision of one day being totally debt-free!”
--- Richard and Sandra Martinez
(Note: Richard and Sandra
have led a focus group and they taught these principles
both in English and Spanish-speaking churches. Before
becoming leaders in training, they had no background
knowledge in finances. We are so proud of what God is
doing through their faithfulness. Their progress and
growth proves the importance of the mentoring role that
leaders play when discipling and training leaders in
"I truly enjoyed the encouragement from others'
breakthroughs and the notes from leaders. The course
changed my mind - yes I can mentally go from slave to
kingship. I will not wander around in a financial desert.
I now have a clear picture of where I am going - to
my financial Promised Land."
--- C. Nambt
"I now feel much better about spending money wisely,
not guilty, because my wife and my God have blessed
the expenditure before it happens."
--- G. Becker
"I have found more and better ways to make the
most of what I have and to live within my means."
--- R. Daniels
"The course has helped me realize how my bad money
managing habits had impacted my life as well as my children.
I now realize how important leaving a positive legacy
is for their future."
--- D. Alexander
"The 'Financial Freedom in 7 Weeks Plus' course
has brought me freedom from bondage. For years I struggled
with expenses. I learned through this course that I
cannot do it without asking and including God in my
finances. He has blessed me in many ways through this
program. My business has prospered with increased customers
and revenues and I have learned (most importantly) to
lean on Him for decisions and strength and faith. I
left credit card bondage behind and am soaring on eagles
wings. Thanks to this ministry for the gift of teaching
me how to: handle my finances, to plan and to live my
dreams and goals."
--- Dimaond Kemp
"This 7 week course has changed my life significantly!
I am now anxious to tithe completely. I never made the
connection between tithing and God blessing my finances.
I will never spend the same."
--- Donna Neff
"This course has done more good for our relationship
than just our finances. For the first time in our marriage
money isn't stressful and we can be honest with each
other without fear. We have paid-off our furniture,
created a great spending plan, and gained more love
and respect for one another."
--- Katherine Fielder
"This 7 Week course has given me hope that I can
be debt free and has started me on the path to that
freedom! It has helped me become committed to working
on what God wants me to do with my life and that does
not include any debt bondage."
--- Johnny and Felicia Hughley
"We started in tremendous bondage, especially
our finances. We experienced every symptom of financial
stress and bondage; from suffering low self esteem to
agreeing to the worst high percentage loans. After taking
the Financial Freedom course, we saw the way to "freedom".
We can bank on all God's teachings and principles and
for once in our lives we can truly say we are on our
way to Total Freedom.
--- Ruben and Rachel Sanchez
"We finished the Financial Freedom in 7 Weeks
Plus course the week before we got married. It was one
of the wisest things we did. It resolved many issues
we came across when consolidating our finances. It was
a true blessing. It also started our marriage on the
right track by establishing a solid biblical financial
foundation. We highly recommend the 7 week focus group
course to everyone."
--- Jim and Terry Dunlap
The beautiful country of Fiji is
made up of several islands and is located to the east
of Australia. Through Marriage Ministries International,
Bill and Maureen forged an incredible friendship with
Matai and Mei Niumataiwalu. He works at a radio station
and she is a homemaker and mother of 3 fine sons. In
addition to serving as National Married for Life (2=1)
Leaders, Matai and Mei started and led a Financial Freedom
in 7 Weeks Plus focus group. The group was comprised
of pastors, a fisherman, a businessman, and their spouses.
The results were excellent and we are encouraged that
more focus groups are planned for the future. The following
statements are some of the encouraging testimonies from
“We have been tremendously blessed because finance
was an area we did not often discuss as a family. Sitting
down and planning financially is a major breakthrough
for us. Traditionally, we gave to the extreme extent
believing that ‘tomorrow takes care of itself.’
As a result, our family was occasionally deprived of
their basic needs. We thank God that we can now pass
on to our children, and to future generations, a godly
financial legacy. As we prepared to teach the ‘paradigm
shift’ concept, God showed us that a married couple
must unite as one flesh, and renew their minds with
His Word, in order to receive His promises.
Exodus 20:2 gave us insight into the Lord’s will
for us. Egypt was a house of bondage because Pharaoh
had enslaved and mistreated God’s people. We,
too, have been brought out of a house of debt bondage
through Christ and the renewing of our minds. Like the
Israelites, we have to enlarge and expand our thinking
to be ready for God’s plans to come to pass. We’re
excited at what God is doing. We pray for continuous
breakthroughs in the Financial Freedom in 7 Weeks Plus
project because we believe many families around the
world will be blessed by it.”
--- Matai and Mei Niumataiwalu
“We own a small fishing business. The 7-week
focus group, led by Matai and Mei, taught us a great
deal by using God’s Word as the standard. We now
communicate better, pray better, pray together, and
love one another more intensely. After undertaking this
course, we are now working together on our daily spending
plan, which has enabled us to pay off some of our debt.
We foresee big financial breakthroughs in our home.
The course, as a whole, has helped us to become much
better stewards at home and in church.”
--- Tony and Joanna Kean
“Bula (greetings), we have had the special privilege
of serving as leaders in training, to Matai and Mei.
This was the first time the Financial Freedom in 7 Weeks
Plus course was taught in Fiji. The course has been
a huge blessing to our family. We went into it expecting
to be blessed in the area of finance and came out blessed
in all areas. We realized that in the area of finances,
we had excluded God. Once we acknowledged this and allowed
Him to start ministering to us in this area, it became
a spiritual stepping-stone. Through this course we have
learned to be faithful, not only with finances, but
with all the wonderful blessings from Abba Father. It
has also brought about a spiritual revival in our lives.
We thankfully praise God for taking us up to another
level. Bill and Maureen, we thank God for you and your
continuous commitment to give of what He has given you.
We pray that as you continue to sow into the lives of
others, our Heavenly Father will bless you abundantly.”
--- Wade and Janelle Gibson & family