Liliane Finances

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Liliane Finances I am Liliane, a disciple of the Lord Jesus Christ, a happy wife, loving mother, financial literacy coach/Analyst/Advocate and entrepreneur.

Stewarsdship & Personal Finance Coach for individuals/Families
U.S Immigrant โ†’ $60K debt paid off less that 3 yearsโ†’Built a 6+ figure portfolio
Financial Analyst |Financial Literacy Advocate
Free 30min ๐Ÿ‘‡
https://lilianefinances.com/coaching/ As the owner of ๐‹๐ข๐ฅ๐ข๐š๐ง๐ž๐…๐ข๐ง๐š๐ง๐œ๐ž๐ฌ, I am passionate about equipping individuals & families to achieve financial freedom and retiring early to break free from scarcity/ financial bondage and step into an abundant money mindset/life rooted in biblical laws and principles. Switching in between cultures, I know firsthand the challenges of navigating money, faith, and identity. Drawing from my background in Healthcare and career in Finance/Data Analytics, I bring both analytical expertise and personal experience to my teachings. I believe true wealth is more than numbers, itโ€™s about wisdom, stewardship, and legacy. I help people understand that money is not an idol but a tool to fulfill our calling and show how GOOD God is in our lives.


๐„๐๐…๐ - I'm enthusiastic, empathetic, inspiring, expressive, and full of ideas. I started this for 2 reasons:
1-I remembered around 8 years old my dad loosing his well paid job overnight leaving us broke and unprepared and I vowed to break that circle -
2-Feeling frustrated watching people who read the Bible (the greatest wealth building and wisdom tool) yet still struggle financially, myself included. That moment ignited my mission to help people manage money wisely and faithfully so they are found good and trustworthy stewards.

10/19/2026

Day 3 Of Finding Bible Verse About Money & Stewardship - Proverbs 21:5

10/19/2026

Casually waiting for God to test my heart with $5 millions ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

God I promise I'll still tithe ๐Ÿ˜‚๐Ÿ˜‚

10/18/2026

๐ŸŽ™๏ธ New to streaming or looking to level up? Check out StreamYard and get $10 discount! ๐Ÿ˜

10/18/2026

Sometimes all we really need is a prayer for stewardship and obedience in a world of opportunity and consumerism.

Dear God,

Thank you for continuously guiding me in places you meant for me. I pray that I show up with obedience, doing what youโ€™ve asked of me.

I pray that I am wise with the things I desire. That my moves continue to honor you and my transactions are inspired by purpose and gratitude.

If you are not in the places I visit, I pray that I bring you with me and they see it. In the things I consume and the way I speak.

Lord, keep me grounded in your reality. Remind me of my place if I forget your grace, Iโ€™d rather be reprimanded for my actions today than to wake up and feel nothing when I call your name.

Thank you for the overflow of blessings. I pray that I continue to manage them properly. Lord, I thank you for the answered prayers you trusted me with.

Thank you for your generosity and your mercy.

Lord, keep me in your truth & rooted in your word. Keep me in this conviction that changes my view of the world.

You deem me worthy, youโ€™re not half in with me, you gave yourself fully. And if I have to honor you through my transactions, so be it. I love you, I want the world to see it.

Thank you for seeing the best in me.

In Jesus name, amen

๐—จ๐—ก๐—ฃ๐—ข๐—ฃ๐—จ๐—Ÿ๐—”๐—ฅ ๐—ข๐—ฃ๐—œ๐—ก๐—œ๐—ข๐—ก: ๐—”๐—ก ๐Ÿด๐Ÿฌ๐Ÿฌ ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—ฆ๐—–๐—ข๐—ฅ๐—˜ ๐——๐—ข๐—˜๐—ฆ๐—ก'๐—ง ๐— ๐—˜๐—”๐—ก ๐—ฌ๐—ข๐—จ'๐—ฅ๐—˜ ๐—ช๐—˜๐—”๐—Ÿ๐—ง๐—›๐—ฌ!Imagine two people:๐Ÿ‘ค Person A has an 820 credit score...
10/17/2026

๐—จ๐—ก๐—ฃ๐—ข๐—ฃ๐—จ๐—Ÿ๐—”๐—ฅ ๐—ข๐—ฃ๐—œ๐—ก๐—œ๐—ข๐—ก: ๐—”๐—ก ๐Ÿด๐Ÿฌ๐Ÿฌ ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—ฆ๐—–๐—ข๐—ฅ๐—˜ ๐——๐—ข๐—˜๐—ฆ๐—ก'๐—ง ๐— ๐—˜๐—”๐—ก ๐—ฌ๐—ข๐—จ'๐—ฅ๐—˜ ๐—ช๐—˜๐—”๐—Ÿ๐—ง๐—›๐—ฌ!

Imagine two people:

๐Ÿ‘ค Person A has an 820 credit score, $25,000 in credit card debt, and only $1,000 in savings.

๐Ÿ‘ค Person B has NO credit score, ZERO consumer debt, and $50,000 in savings.

๐—ช๐—›๐—ข ๐—œ๐—ฆ ๐—”๐—–๐—ง๐—จ๐—”๐—Ÿ๐—Ÿ๐—ฌ ๐—œ๐—ก ๐—” ๐—•๐—˜๐—ง๐—ง๐—˜๐—ฅ ๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—œ๐—”๐—Ÿ ๐—ฃ๐—ข๐—ฆ๐—œ๐—ง๐—œ๐—ข๐—ก?

Here's what many people misunderstand:

A credit score measures credit risk, NOT wealth.

You can build credit without paying credit card interest.

You can live without a credit score, although there are trade-offs.

A good credit score can save you THOUSANDS in borrowing costs.

And here's the question nobody seems to ask:

๐—”๐—ฅ๐—˜ ๐—ช๐—˜ ๐—•๐—จ๐—œ๐—Ÿ๐——๐—œ๐—ก๐—š ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—ข๐—ฅ ๐—•๐—จ๐—œ๐—Ÿ๐——๐—œ๐—ก๐—š ๐—ช๐—˜๐—”๐—Ÿ๐—ง๐—›?

This Sunday, Dr. Donald and I are breaking it ALL down on ๐—ง๐—›๐—˜ ๐—ฆ๐—ง๐—˜๐—ช๐—”๐—ฅ๐—— ๐——๐—œ๐—”๐—ฅ๐—œ๐—˜๐—ฆ โ€” ๐—Ÿ๐—œ๐—ฉ๐—˜ ๐Ÿฏ!

๐Ÿ“… Sunday, October 18
โฐ 5:00 PM ET
๐Ÿ“ YouTube & Facebook LIVE

Swipe through or zoom in on this credit score guide before joining us! ๐Ÿ‘†

๐Ÿ‘‡ ๐—•๐—จ๐—ง ๐—™๐—œ๐—ฅ๐—ฆ๐—ง, ๐—œ ๐—ช๐—”๐—ก๐—ง ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ข๐—ฃ๐—œ๐—ก๐—œ๐—ข๐—ก:

๐—ฃ๐—˜๐—ฅ๐—ฆ๐—ข๐—ก ๐—” ๐—ข๐—ฅ ๐—ฃ๐—˜๐—ฅ๐—ฆ๐—ข๐—ก ๐—•?

And would your answer change if both were applying for a mortgage tomorrow? ๐Ÿ‘€

Let's debate respectfully in the comments! ๐Ÿ‘‡

๐—ฆ๐˜๐—ฒ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐—ช๐—ฒ๐—น๐—น. ๐—Ÿ๐—ถ๐˜ƒ๐—ฒ ๐—™๐—ฟ๐—ฒ๐—ฒ.

10/17/2026

A few tips I learned from the Bible:

Planning & Budgeting
โ€ข (Luke 14:28) Know the full cost of any project before you start.
โ€ข (Proverbs 27:23-24) Know your numbers. Track and manage it actively.

Debt
โ€ข (Proverbs 22:7) Avoid unnecessary debt, it puts you under someone elseโ€™s control.
โ€ข (Romans 13:8) Pay off what you owe; donโ€™t let it build indefinitely.

Spending & Discipline
โ€ข (Proverbs 21:20) Save and manage resources; donโ€™t consume everything immediately.
โ€ข (1 Timothy 6:10) Money itself isnโ€™t the evil, the obsession with it is. Itโ€™s a tool, not the goal.

Saving
โ€ข (Proverbs 6:6-8) Prepare for the future during times of overflow, not just scarcity.
โ€ข (Proverbs 21:20) again, build reserves vs spending everything as it comes in.

Investing & Diversification
โ€ข (Ecclesiastes 11) Donโ€™t put everything into one plan or income source.
โ€ข (Matthew 25:14-30) Put what youโ€™re given to work instead of letting it sit out of fear.

Giving & Generosity
โ€ข (Proverbs 3:9-10) Generosity and giving are part of stewardship.
โ€ข (2 Corinthians 9:7) Give willingly, not out of guilt or obligation.
โ€ข (Malachi 3:10) Tithing/giving is shown as an act of trust, tested and rewarded.

Work & Provision
โ€ข (Proverbs 14:23) Action and consistent work matter more than intentions.
โ€ข (2 Thessalonians 3:10) Work is tied to provision; putting in effort matters.

Contentment & Trust
โ€ข (Philippians 4:11-13) Contentment isnโ€™t about the amount you have, itโ€™s about gratitude.
โ€ข (Matthew 6:19-21) Remember money in just a tool, not of lasting value.

When you need biblical finance wisdom, come back to this.

They apply to personal and business finances!

These tips are in my words, please ALWAYS read the word for yourself. The Bible has many parables and principles to help us be better stewards of our money.

10/17/2026
10/16/2026

๐—ฌ๐—ข๐—จ ๐——๐—ข๐—ก'๐—ง ๐—ก๐—˜๐—˜๐—— ๐—” ๐—Ÿ๐—จ๐—ซ๐—จ๐—ฅ๐—ฌ ๐—–๐—”๐—ฅ ๐—ง๐—ข ๐—ฃ๐—ฅ๐—ข๐—ฉ๐—˜ ๐—ง๐—›๐—”๐—ง ๐—š๐—ข๐—— ๐—›๐—”๐—ฆ ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—ฌ๐—ข๐—จ.

And you don't need a big house, designer clothes, or an expensive lifestyle to prove that God has been good to you.

Can we talk about something that has been bothering me lately?

๐—ช๐—›๐—˜๐—ก ๐——๐—œ๐—— ๐—ช๐—˜ ๐—ฆ๐—ง๐—”๐—ฅ๐—ง ๐— ๐—˜๐—”๐—ฆ๐—จ๐—ฅ๐—œ๐—ก๐—š ๐—š๐—ข๐——'๐—ฆ ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—œ๐—ก๐—š๐—ฆ ๐—•๐—ฌ ๐—›๐—ข๐—ช ๐—˜๐—ซ๐—ฃ๐—˜๐—ก๐—ฆ๐—œ๐—ฉ๐—˜ ๐—ฆ๐—ข๐— ๐—˜๐—ข๐—ก๐—˜'๐—ฆ ๐—Ÿ๐—œ๐—™๐—˜ ๐—Ÿ๐—ข๐—ข๐—ž๐—ฆ?

Someone buys a luxury car.

"Wow! God has really blessed them!"

Someone moves into a beautiful mansion.

"Look at what the Lord has done!"

Someone wears designer clothes, travels first class, and posts pictures from expensive vacations.

"Favor! Grace! Financial breakthrough!"

And listen, I'm not against beautiful things. I have some of them lol.

I'm not against owning a nice house, driving a luxury car, or enjoying the fruits of your labor.

If you can genuinely afford those things, have planned responsibly, and they align with your priorities, enjoy them!

๐—•๐—จ๐—ง ๐—›๐—˜๐—ฅ๐—˜'๐—ฆ ๐— ๐—ฌ ๐—ค๐—จ๐—˜๐—ฆ๐—ง๐—œ๐—ข๐—ก:

**๐—ช๐—›๐—ฌ ๐——๐—ข ๐—ช๐—˜ ๐—”๐—จ๐—ง๐—ข๐— ๐—”๐—ง๐—œ๐—–๐—”๐—Ÿ๐—Ÿ๐—ฌ ๐—”๐—ฆ๐—ฆ๐—ข๐—–๐—œ๐—”๐—ง๐—˜ ๐—˜๐—ซ๐—ฃ๐—˜๐—ก๐—ฆ๐—œ๐—ฉ๐—˜ ๐—ง๐—›๐—œ๐—ก๐—š๐—ฆ ๐—ช๐—œ๐—ง๐—› ๐—š๐—ข๐——'๐—ฆ ๐—™๐—”๐—ฉ๐—ข๐—ฅ?**

Because what we see on the outside doesn't always tell us what's happening financially behind closed doors.

That luxury car might come with a $1,200 monthly payment.

That beautiful house might have a mortgage that consumes half the family's income.

Those designer clothes might have been purchased with credit cards that are carrying balances.

And that picture-perfect lifestyle might be financed by debt.

Of course, some people genuinely have the wealth to afford these things.

But appearances alone cannot tell us which is which.

Now imagine another person.

They drive a 12-year-old Toyota.

They live in a modest home.

They wear ordinary clothes.

They don't post every vacation or purchase on social media.

But quietlyโ€ฆ

They have no consumer debt.

They have an emergency fund.

They're consistently investing for retirement.

They're building wealth for their children.

And they sleep peacefully at night because they aren't constantly worried about how to pay their bills.

๐—ง๐—›๐—˜๐—ฌ ๐— ๐—”๐—ฌ ๐—ก๐—ข๐—ง ๐—Ÿ๐—ข๐—ข๐—ž ๐—ฅ๐—œ๐—–๐—›, ๐—•๐—จ๐—ง ๐—ง๐—›๐—˜๐—ฌ ๐— ๐—”๐—ฌ ๐—•๐—˜ ๐—™๐—”๐—ฅ ๐— ๐—ข๐—ฅ๐—˜ ๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—œ๐—”๐—Ÿ๐—Ÿ๐—ฌ ๐—ฆ๐—˜๐—–๐—จ๐—ฅ๐—˜ ๐—ง๐—›๐—”๐—ก ๐—ง๐—›๐—˜ ๐—ฃ๐—˜๐—ฅ๐—ฆ๐—ข๐—ก ๐—˜๐—ฉ๐—˜๐—ฅ๐—ฌ๐—ข๐—ก๐—˜ ๐—œ๐—ฆ ๐—”๐——๐— ๐—œ๐—ฅ๐—œ๐—ก๐—š.

And here's the uncomfortable part.

Sometimes we aren't buying things because we need them.

We're buying them because we want people to believe we're successful.

We upgrade the car because our friends upgraded theirs.

We stretch our budget for a bigger house because we want to keep up with our social circle.

We buy things we cannot comfortably afford because we want to look like we've arrived.

And sometimes we even convince ourselves that these purchases are evidence of God's blessings.

๐—•๐—จ๐—ง ๐—ช๐—›๐—”๐—ง ๐—œ๐—™ ๐—ช๐—˜'๐—ฅ๐—˜ ๐—ก๐—ข๐—ง ๐—–๐—˜๐—Ÿ๐—˜๐—•๐—ฅ๐—”๐—ง๐—œ๐—ก๐—š ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—œ๐—ก๐—š๐—ฆ?

๐—ช๐—›๐—”๐—ง ๐—œ๐—™ ๐—ช๐—˜'๐—ฅ๐—˜ ๐—ฆ๐—œ๐— ๐—ฃ๐—Ÿ๐—ฌ ๐—–๐—˜๐—Ÿ๐—˜๐—•๐—ฅ๐—”๐—ง๐—œ๐—ก๐—š ๐—–๐—ข๐—ก๐—ฆ๐—จ๐— ๐—ฃ๐—ง๐—œ๐—ข๐—ก?

๐Ÿ“– Luke 12:15 says:

"Take heed, and beware of covetousness: for a man's life consisteth not in the abundance of the things which he possesseth."

Read that again.

๐—ฌ๐—ข๐—จ๐—ฅ ๐—Ÿ๐—œ๐—™๐—˜ ๐—œ๐—ฆ ๐—ก๐—ข๐—ง ๐——๐—˜๐—™๐—œ๐—ก๐—˜๐—— ๐—•๐—ฌ ๐—ง๐—›๐—˜ ๐—ง๐—›๐—œ๐—ก๐—š๐—ฆ ๐—ฌ๐—ข๐—จ ๐—ข๐—ช๐—ก.

And in 1 Timothy 6:6, Paul writes:

"But godliness with contentment is great gain."

Not godliness with a luxury car.

Not godliness with a mansion.

Not godliness with an impressive social media lifestyle.

๐—š๐—ข๐——๐—Ÿ๐—œ๐—ก๐—˜๐—ฆ๐—ฆ ๐—ช๐—œ๐—ง๐—› ๐—–๐—ข๐—ก๐—ง๐—˜๐—ก๐—ง๐— ๐—˜๐—ก๐—ง.

Now, please don't misunderstand me.

Being poor doesn't make someone more spiritual.

Being wealthy doesn't make someone less spiritual.

And having financial struggles doesn't mean God has abandoned you.

That's precisely my point.

๐—š๐—ข๐——'๐—ฆ ๐—™๐—”๐—ฉ๐—ข๐—ฅ ๐—–๐—”๐—ก๐—ก๐—ข๐—ง ๐—•๐—˜ ๐— ๐—˜๐—”๐—ฆ๐—จ๐—ฅ๐—˜๐—— ๐—•๐—ฌ ๐—ฆ๐—ข๐— ๐—˜๐—ข๐—ก๐—˜'๐—ฆ ๐—ก๐—˜๐—ง ๐—ช๐—ข๐—ฅ๐—ง๐—›, ๐—–๐—”๐—ฅ, ๐—›๐—ข๐—จ๐—ฆ๐—˜, ๐—ข๐—ฅ ๐—•๐—”๐—ก๐—ž ๐—”๐—–๐—–๐—ข๐—จ๐—ก๐—ง.

And as someone who teaches biblical stewardship, I think we need to ask ourselves some deeper questions.

Are we building wealth or building an image?

Are we making financial decisions based on our values or other people's expectations?

Are we accumulating assets or just accumulating payments?

Are we pursuing financial freedom or financing a lifestyle that makes us look financially free?

Because there is a difference between having money and looking like you have money.

And there is a difference between enjoying God's provision and feeling pressured to prove His provision to everyone around you.

**๐—ฌ๐—ข๐—จ ๐——๐—ข๐—ก'๐—ง ๐—›๐—”๐—ฉ๐—˜ ๐—ง๐—ข ๐—Ÿ๐—ข๐—ข๐—ž ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—˜๐—— ๐—ง๐—ข ๐—•๐—˜ ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—˜๐——.**

Sometimes the blessing is peace.

Sometimes it's contentment.

Sometimes it's having enough.

Sometimes it's being able to provide for your family without constant financial anxiety.

Sometimes it's the freedom to say NO to something you can afford because you have a greater purpose for your money.

And sometimes it's the quiet discipline of managing what God has already entrusted to you.

So here's my challenge:

Before your next big purchase, ask yourself:

"Would I still want this if nobody ever saw it?"

That one question might reveal more about our financial motivations than we realize.

๐—ก๐—ข๐—ช ๐—Ÿ๐—˜๐—ง'๐—ฆ ๐—›๐—”๐—ฉ๐—˜ ๐—”๐—ก ๐—จ๐—ก๐—–๐—ข๐— ๐—™๐—ข๐—ฅ๐—ง๐—”๐—•๐—Ÿ๐—˜ ๐—–๐—ข๐—ก๐—ฉ๐—˜๐—ฅ๐—ฆ๐—”๐—ง๐—œ๐—ข๐—ก.

๐Ÿ‘‡ ๐—›๐—”๐—ฆ ๐—ง๐—›๐—˜ ๐—–๐—›๐—ฅ๐—œ๐—ฆ๐—ง๐—œ๐—”๐—ก ๐—–๐—ข๐— ๐— ๐—จ๐—ก๐—œ๐—ง๐—ฌ ๐—–๐—ข๐—ก๐—™๐—จ๐—ฆ๐—˜๐—— ๐—Ÿ๐—ข๐—ข๐—ž๐—œ๐—ก๐—š ๐—ฃ๐—ฅ๐—ข๐—ฆ๐—ฃ๐—˜๐—ฅ๐—ข๐—จ๐—ฆ ๐—ช๐—œ๐—ง๐—› ๐—•๐—˜๐—œ๐—ก๐—š ๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—œ๐—”๐—Ÿ๐—Ÿ๐—ฌ ๐—•๐—Ÿ๐—˜๐—ฆ๐—ฆ๐—˜๐——?

And here's another question:

Would you rather look wealthy to everyone around you or quietly build wealth that gives your family financial stability?

Let's talk. I want to hear your perspective, even if you disagree with me.

๐—ฆ๐˜๐—ฒ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐—ช๐—ฒ๐—น๐—น. ๐—Ÿ๐—ถ๐˜ƒ๐—ฒ ๐—™๐—ฟ๐—ฒ๐—ฒ.

โ€” Liliane Finances

๐—ช๐—›๐—˜๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง ๐—ฆ๐—”๐—ฉ๐—œ๐—ก๐—š๐—ฆ ๐—•๐—˜๐—–๐—ข๐— ๐—˜ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—˜๐— ๐—˜๐—ฅ๐—š๐—˜๐—ก๐—–๐—ฌ ๐—™๐—จ๐—ก๐——, ๐—ช๐—˜ ๐—›๐—”๐—ฉ๐—˜ ๐—” ๐—ฃ๐—ฅ๐—ข๐—•๐—Ÿ๐—˜๐— .And I think we need to talk about it.Accordin...
10/16/2026

๐—ช๐—›๐—˜๐—ก ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง ๐—ฆ๐—”๐—ฉ๐—œ๐—ก๐—š๐—ฆ ๐—•๐—˜๐—–๐—ข๐— ๐—˜ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—˜๐— ๐—˜๐—ฅ๐—š๐—˜๐—ก๐—–๐—ฌ ๐—™๐—จ๐—ก๐——, ๐—ช๐—˜ ๐—›๐—”๐—ฉ๐—˜ ๐—” ๐—ฃ๐—ฅ๐—ข๐—•๐—Ÿ๐—˜๐— .

And I think we need to talk about it.

According to this report, a record 6% of retirement plan participants tapped their 401(k)s for hardship withdrawals.

Think about what that means.

People are withdrawing money meant to sustain them at 65 just to survive at 35, 45, or 55.

To avoid losing their homes.

To cover major medical expenses.

To survive financial emergencies.

๐—ง๐—›๐—˜๐—ฌ'๐—ฅ๐—˜ ๐—ก๐—ข๐—ง ๐—ก๐—˜๐—–๐—˜๐—ฆ๐—ฆ๐—”๐—ฅ๐—œ๐—Ÿ๐—ฌ ๐—–๐—›๐—ข๐—ข๐—ฆ๐—œ๐—ก๐—š ๐—•๐—˜๐—ง๐—ช๐—˜๐—˜๐—ก ๐—” ๐—ฉ๐—”๐—–๐—”๐—ง๐—œ๐—ข๐—ก ๐—”๐—ก๐—— ๐—ฅ๐—˜๐—ง๐—œ๐—ฅ๐—˜๐— ๐—˜๐—ก๐—ง.

๐—ง๐—›๐—˜๐—ฌ'๐—ฅ๐—˜ ๐—–๐—›๐—ข๐—ข๐—ฆ๐—œ๐—ก๐—š ๐—•๐—˜๐—ง๐—ช๐—˜๐—˜๐—ก ๐—ฆ๐—จ๐—ฅ๐—ฉ๐—œ๐—ฉ๐—œ๐—ก๐—š ๐—ง๐—ข๐——๐—”๐—ฌ ๐—”๐—ก๐—— ๐—ฆ๐—˜๐—–๐—จ๐—ฅ๐—œ๐—ง๐—ฌ ๐—ง๐—ข๐— ๐—ข๐—ฅ๐—ฅ๐—ข๐—ช.

And that should concern all of us.

But here's what troubles me even more.

We've become so quick to tell struggling families to "budget better," "stop buying coffee," or "live below their means."

But what happens when a family has already cut everything they reasonably can?

When housing, groceries, insurance, and healthcare consume almost every paycheck?

๐—ฌ๐—ข๐—จ ๐—–๐—”๐—ก'๐—ง ๐—•๐—จ๐——๐—š๐—˜๐—ง ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ช๐—”๐—ฌ ๐—ข๐—จ๐—ง ๐—ข๐—™ ๐—˜๐—ฉ๐—˜๐—ฅ๐—ฌ ๐—œ๐—ก๐—–๐—ข๐— ๐—˜ ๐—ฃ๐—ฅ๐—ข๐—•๐—Ÿ๐—˜๐— .

Now, as someone who teaches biblical stewardship, I also believe we have a responsibility to prepare for difficult seasons whenever we have the means.

๐Ÿ“– Proverbs 21:20 reminds us of the wisdom of storing up resources.

That's why I encourage building an emergency fund, even if you can only start with a few dollars at a time.

Because a 401(k) is supposed to help fund your future, not become your first line of defense every time life happens.

And early withdrawals can come with income taxes, possible penalties, and lost investment growth.

But let's also show compassion.

Sometimes people aren't withdrawing from retirement because they failed to plan.

๐—ฆ๐—ข๐— ๐—˜๐—ง๐—œ๐— ๐—˜๐—ฆ ๐—ง๐—›๐—˜๐—ฌ'๐—ฅ๐—˜ ๐——๐—ข๐—œ๐—ก๐—š ๐—ช๐—›๐—”๐—ง ๐—ง๐—›๐—˜๐—ฌ ๐—›๐—”๐—ฉ๐—˜ ๐—ง๐—ข ๐——๐—ข ๐—ง๐—ข ๐—ž๐—˜๐—˜๐—ฃ ๐—ง๐—›๐—˜๐—œ๐—ฅ ๐—™๐—”๐— ๐—œ๐—Ÿ๐—œ๐—˜๐—ฆ ๐—”๐—™๐—Ÿ๐—ข๐—”๐—ง.

And that brings me to a question I really want us to discuss.

๐Ÿ‘‡ ๐—œ๐—ฆ ๐—ง๐—›๐—œ๐—ฆ ๐—” ๐—ฆ๐—ง๐—˜๐—ช๐—”๐—ฅ๐——๐—ฆ๐—›๐—œ๐—ฃ ๐—ฃ๐—ฅ๐—ข๐—•๐—Ÿ๐—˜๐— , ๐—”๐—ก ๐—œ๐—ก๐—–๐—ข๐— ๐—˜ ๐—ฃ๐—ฅ๐—ข๐—•๐—Ÿ๐—˜๐— , ๐—ข๐—ฅ ๐—” ๐—ฆ๐—ฌ๐—ฆ๐—ง๐—˜๐—  ๐—ง๐—›๐—”๐—ง ๐—›๐—”๐—ฆ ๐—•๐—˜๐—–๐—ข๐— ๐—˜ ๐—ง๐—ข๐—ข ๐—˜๐—ซ๐—ฃ๐—˜๐—ก๐—ฆ๐—œ๐—ฉ๐—˜ ๐—™๐—ข๐—ฅ ๐—ข๐—ฅ๐——๐—œ๐—ก๐—”๐—ฅ๐—ฌ ๐—™๐—”๐— ๐—œ๐—Ÿ๐—œ๐—˜๐—ฆ?

Can we really keep telling people to save more when some are struggling just to survive?

I want to hear your thoughts. Let's have an honest conversation without judgment.

๐—ฆ๐˜๐—ฒ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐—ช๐—ฒ๐—น๐—น. ๐—Ÿ๐—ถ๐˜ƒ๐—ฒ ๐—™๐—ฟ๐—ฒ๐—ฒ.

โ€” Liliane Finances

Comment MINDSET if youโ€™re ready to match your prayers with your actions You canโ€™t keep asking God for overflowโ€ฆbut avoid...
10/16/2026

Comment MINDSET if youโ€™re ready to match your prayers with your actions

You canโ€™t keep asking God for overflowโ€ฆ
but avoid the responsibility that comes with managing it.

Because financial freedom isnโ€™t just something you receiveโ€ฆ
itโ€™s something you learn how to steward.

A lot of us have the faith part down.
We pray. We believe. We declare.

But when itโ€™s time to budgetโ€ฆ to investโ€ฆ to actually look at the numbersโ€ฆ
we hesitate.

Not because weโ€™re incapableโ€ฆ
but because no one ever taught us how.

And hereโ€™s the truthโ€ฆ
God can trust you with more when you show Him youโ€™re faithful with what you have right now.

Stewardship is discipline.
Itโ€™s consistency.
Itโ€™s choosing to be intentional even when itโ€™s uncomfortable.

Because wealth isnโ€™t just built on incomeโ€ฆ
itโ€™s sustained by responsibility.

If youโ€™re ready to stop avoiding your finances and start managing them with clarity, confidence, and faithโ€ฆ

Comment MINDSET and letโ€™s build this the right wayโ€ฆ together.

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