7 Habits of Financial (and Spiritual) Success

Not long ago I came across a blog about the seven habits of self-made millionaires. And it occurred to me that most of the habits that help someone grow rich financially are the same habits that help us grow rich spiritually. We just apply the habits differently.

The blog was based on an interview with a Tom Corley, a researcher who has spent a dozen or so years studying wealthy people and writing about what he’s learned (e.g., Rich Habits: The Daily Success Habits of Wealthy Individuals). Corley points out that “Your habits are the reason why you’re rich or poor. In fact, it’s often two or three habits that separate the wealthy from those who are financially challenged.”

That makes sense (and cents). Then I began to wonder if the seven habits Corley shared for financial success translate into habits that help us achieve something far more meaningful—spiritual success.

Let’s compare.

  1. Read, read, read. Corley says this is the number one habit. His study found that 85 percent of millionaires read two or more books a month. Not only that, they choose books that help them grow. As the author of a book titled Grow Like Jesus, I love this one. It reinforces the idea that we need to study and learn how to grow if we want to improve our lives. Start, of course, with the Bible. Read it every day. Study it. Learn from it. Grow from it.
  2. Pursue your passions. Corley points out that, “When you’re passionate about what you’re doing, you work harder.” Are you passionate about Jesus? If you are His disciple, then you probably were on fire for God the day you gave Him your life and in the weeks and months that followed. Rediscover that passion, because nothing else on this planet is more worthy of our enthusiasm.
  3. Find mentors. Corley’s study found that 93 percent of self-made millionaires credit mentors for aiding in their financial success. Mentoring and discipleship, of course, are two sides of the same coin. If you want to grow spiritually, find someone (or a small group) who will challenge you, stretch you, teach you, and otherwise help you along the path. And, by the way, you’ll find that mentoring others is one of the greatest approaches to growth for yourself.
  4. Use dreams to set goals. Self-made millionaires apparently dream up what they want their ideal life to look like and then set specific goals to achieve each dream. They evaluate their dream and take action. When we grow our faith, we need to abide in Christ so we can discern our calling. Then we need to make specific plans to carry out whatever God is calling us to accomplish.
  5. Create a process. I see this as an extension of the previous habits. “When you create processes,” Corley says, “you don’t have to think, which takes energy and contributes to decision fatigue. Habits are valuable because they brain fuel that can be used doing something else.” To grow our faith, we need to have good habits. We need a process. Set aside specific times in the day for reading God’s word, for specific types of prayer, for reading other books, for meeting with mentors or protégés.
  6. Find multiple streams of income. Self-made millionaires typically have at least three sources of income. They diversify. For followers of Jesus, we need three in one: God the Father, God the Son, and God the Spirit. If we rely on those three sources of spiritual income, our output will be phenomenal. We can support them with things like mentors and books, the teaching of great pastors, the community and fellowship of a vibrant church, but the ultimate source is God.
  7. Invest in time. It’s probably not surprising that self-made millionaires don’t waste time. They don’t watch much television, and they don’t spend much time on Facebook or watching videos on the Internet. I believe growing our faith requires a sense of urgency because we don’t know how much time we have on this earth. We should long to hear the words, “Well done, good and faithful servant!” (Matthew 25:23) Not, “Well, you were awesome at video games!”

So what’s missing from Corley’s list? Well, lots of things.

The one that jumped out at me first was “generosity.” I know this to be important to our walk with Christ, and, from all I’ve read, I believe it to be important to financial success. So I went to Corley’s website and here’s something I found that he said: “One of the hallmarks of the self-made millionaires in my Rich Habits Study was their generosity.” In other words, they gave their time and money.

I also wondered about faith. This isn’t spelled out as directly in what I found in Corley’s research, but I did see plenty of evidence that financially successful people tend to get that way in part because they have faith. They believe. In God? Not so sure. Certainly in something bigger than themselves.

Trusting God for the results, in my view, is essential to our spiritual growth, because it keeps us from adopting a works mentality. We can do His will and leave the results to someone more qualified than us – the God of the universe. That’s how we find joy and peace and true success regardless of our financial condition or any other circumstance. Because it’s never about how much we have, but what we do with what we’re given.

 

What if Jesus wrote you a Letter?

Here’s the question that kept me up one night: What if Jesus wrote me a letter?

Seems simple. Not scary. Sort of cool, right? Who wouldn’t want a letter from the Son of God?

Without question, I’d love to get such a letter. But I can’t say for sure that I’d like everything it might say. In fact, it could be especially difficult to take, and that’s why the question was keeping me up that night.

Audrey and I had been reading the letters to the churches in the book of Revelation, so naturally we noticed that a few of them easily could be letters to the church in America. That’s when it hit me: What if Jesus wrote a letter like this to me? I am the church in America, or at least part of it. Would he find something good in me? Would he call me lukewarm? How would he challenge me to live differently?

With that in mind, I recalled a little writing exercise I learned several years ago during a parent’s weekend at Rollins College. A professor found himself in a room of assembled ne’er-do-wells—dads, moms, and other interested parties. The prof either wanted to give us a taste of what his students typically experienced, or he just needed a way to kill some time before lunch. Regardless, he gave us an assignment: Write a letter to yourself from someone you love but who is no longer living. If you can do this, he explained, you can write fiction, because fiction is something we make up based on what our experiences tell us might happen.

I wrote a letter from my dad to me, and I thoroughly enjoyed the exercise.

So as I considered the letters Jesus wrote to the churches, I mentally wrote a letter from Jesus to me. Was it fiction? I don’t know. I asked the Holy Spirit for some help, so I believe there was some inspiration and, well, revelation, involved.

Here’s what I learned: There’s room for improvement.

Well, duh!

I felt affirmation about some areas of my life, but I also felt the pangs of conviction. I felt like God wanted me to experience Him more in two or three specific areas. I shared this with Audrey and asked her to pray with me, asking God to show us what “change” would look like and provide opportunities to pursue it. Frankly, I’m still not so sure how well I’m living it out, but I’m doing my best to trust God to show me the way each day.

So if Jesus wrote you a letter, what would it say? And how will you respond?

Sit Down and Grow

One of the most important steps we can take if we want to grow like Jesus is to simply spend time with Jesus. I know, it makes sense in a way that makes you say, “Well, duh.” But in light of the obvious truth we have to ask an obvious question: Why don’t we actually do it?

It’s not like God isn’t available to anyone who wants to spend time with Him. Ask and you will receive. Knock and the door shall be opened. God is there – everywhere, all the time. Omnipresent.

I know a man who claimed to have a near-death experience. You know the kind: The doctors said he was gone. Call-the-hearse-dead. Then, mysteriously, he was alive again. As far as I know, he’s the only person alive who claims to have died and then didn’t write a book about it. But he did tell me that while he was “out of body,” he spent part of the time sitting on a log visiting with Jesus.

I neither believe his story nor doubt his story. He was, as they say, eccentric, but in a believable sort of way. But I do believe we don’t have to die (or nearly die) to talk to Jesus. He gave us the Holy Spirit. He gave us the Bible. He gave us prayer. So if we want to grow like Jesus, we can start by sitting down and talking with Him. Not just to Him, but with Him. The means we talk some and we listen a lot. Then we obey.

We don’t spend more time with Jesus, frankly, because we think we have better ways to spend our time. Harsh, but true. We’d rather sleep a little later, work a little longer, play a little harder. We have things to do, places to go, people to see. Color me guilty. But when those “things to do” don’t include spending time with Jesus, we miss a chance to connect with the God of the universe and experience real spiritual growth.

Bill Hybels, the pastor at Willow Creek in Chicagoland, tells a great story of how life-changing it can be to pull up a chair and spend some time with Jesus. Here’s a link to the 10-minute video. Watch the video, then pull up a chair and spend some time with Jesus.