Jason Demland

August 4, 2023

There are only 5 things you can do with money.

You can use it to:




OWE (taxes)

OWE (debt)

When first starting out, money can be a struggle. We’ve all been there. Maybe you’re there right now. Just trying to LIVE can be tough when expenses outpace income.

The starting point is learning to live on less than we earn. Do you remember figuring that out? You and your spouse; tracking spending, budgeting, and building a spending plan all to have it all fall apart and have to start over again. Month after month.





Fighting to create margin so we can realize our dreams of being able to GIVE, GROW, and pay down the money we OWE; all so we can finally, eventually, miraculously LIVE.

Once we have started to expect the unexpected, our income has increased, and our expenses have stabilized it should be a relief.

Maybe you’re giving regularly, you’re saving some money for later and it’s growing, and you’ve paid off your consumer debts –

But what’s next?

I think it’s the hardest part of financial planning. It’s answering the question “How much is enough?”

Paul Tripp writes frequently about the human tendency to search for transcendence. He wrote about it in his book A Quest For More, Awe, Redeeming Money, and many others probably.

If we’re not careful, this search can lead to lifestyle creep: piling up different trinkets, hobbies, subscriptions, cars, properties, vacations, clothes, and more. It’s pretty common and many folks in my industry advocate for it. Mindless consumption and endless discontentment. It helps the economy, right?

I think we can do much better.

I want to challenge you to set a Lifestyle Finish Line. Ask yourself

“How much is enough?”

You might have enough right now. You might have a way to go. No judgements on where your finish line is, it’s up to you, but I encourage you to work on setting one. I’m happy to help you.

Imagine what you could do if you had enough. How much could you GIVE? How much could you GROW? Imagine the freedom. Imagine the impact to your family. Imagine the change in your community and the Kingdom.

We have the opportunity to live for something so much more and should use our vast wealth and opportunity to do just that.

Soli Deo Gloria!