For the love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows. 1 Timothy 6:10
The message is the opposite of this verse, because it will be all about money and how the system works. However the verse is important because I give you this information not to love the money and focus on it, but really the opposite. If you are right with God and obey his Spirit, you will not love money. You will love God. But at the same time God shows you how money and the system works. Because even though it is not about money, it is about being in a place financially where you do not have to worry about how you are going to pay the bills, and to take advantage of the system.
The thing is with money or anything, is like me as a Father. I want my kids to love me, to live a good simple life like me. I do not want my kids greedy and seeking money above all, and willing to kill me or wish I would die to inherit our money. God is the same way, he will not be used with money, but he wants us to be one with him and then he gives us everything else.
But this is the point, because you have to make decisions in life about what you are going to do for work, how to invest your money… And the problem I see today more than ever is people cannot make ends meet. Some of it is their own fault because they spend money foolishly (as I once did in my old life). But some of it is the system and how it works, and how they educate you to keep you poor.
The first two main statistics of facts. This data goes back to 1929 or the year of the great depression. Since then and up to now in 2025, the cost of living is up 19 times. In other words if an apple cost 1 dollar in 1929 today it cost $19. At the same time average wages went from $7,166 per year to now $62,192. So income is up but only 8.68 times, or less than half inflation. This is the biggest issue.
I just saw where college graduates cannot find a job and many are in serious debt coming out of college. And they are starting behind because of this debt and because of inflation. The dream of buying a home is almost not possible for most. Home prices went from an average of $5,000 in 1929 to now $487,000 or up 97 times, where your income is up only 8.68 times. No wonder many are complaining about the fact they cannot get a home.
Here is where it gets interesting, because of the old saying the rich get richer and the poorer get poorer.
First the rich do NOT work normal jobs, and they are not normally lawyers and doctors like we believe they are. How many times I heard how we want our kids to grow up to be doctors and lawyers. Well not me, I think both professions these days are the worst thing you could be, both are extremely corrupt. When you look at the list of the wealthiest people in the world, never are they doctors and lawyers. And they are never working for anyone else, especially a normal 9 to 5 job out of high school. The list of the wealthiest is always entrepreneurs. It can also be sales, I know a lot of high paid sales men. Or it can be sports or movie stars. However the sports stars and movie stars who have wealth did not make it in their profession, they used their good income from the profession to invest correctly to build wealth. So in other words they are entrepreneurs.
My life is the same, I used my good income from home sales to invest correctly to build wealth. I went from $80,000 in debt when I moved here to no debt and enough wealth to retire at 60. Well not really retire because an entrepreneur never retires, but then you feel like you are always retired. The people who control this world (they control the politicians and media and own almost everything). They are entrepreneurs.
I am not on their level nor care to be. But I also do not want to be living paycheck to paycheck knowing that in the near future that paycheck will no longer pay my bills because my 9 to 5 job is not keeping up with inflation.
So here is the secret, which is first of all do not go to college, it is a waste unless you have a strong desire to be a doctor or something that requires a degree. Most people, like me, do not know what they want to be and go to college for nothing. Get into sales, or start a business to make some decent money and invest it to grow it until you can just be a entrepreneur.
So how do you invest? I looked at different investments since 1929, here is what I found.
If you had a dollar and put it under the bed, it is now worth 19 times less, a terrible idea.
If you took that dollar and invested in government debt or CDs in a bank you at least made some money and are up about 126 times. More if you know when you should buy and when you should not, or how long to invest. When I was a broker back in the late 1,990;s and early 2,000, I made a lot of money in GNMA y FNMA because we bought discount bonds and they were getting called. Today you cannot do that because interest rates are going up, I would not buy a US government bond for nothing. On the other hand, living in Mexico. I am buying Mexican debt for two reasons. First interest rates are falling like in the US back in the day, and I can get 10% or better. And second, I am making good money in the exchange rate as the dollar is falling against almost all currencies including the peso.
You can also do precious metals, gold and silver. Gold is up 177 times and silver 31times since 1929. However both have been moving a lot lately and doing well out performing because of fiat money decreasing. People do not trust the US dollar anymore nor most of the world currencies.
The next asset class is homes, home prices as said before are up 97 times since 1929. But if you have it as a rental, the income is also up an average of 196 times so with dividends or rental income, you’re up 293 times. The same can be said with real estate, buying at the right times, or buying land and building can increase this significantly. For example I have built speck homes to flip and doubled my money on some, and others up around 70% in less than a year. Imagine making 70% year after year on your money?!?! As it is now, the cost to build and the land cost are up so much it is not possible anymore. But rents are up a lot and so we keep the homes and rent. The point is the returns are really good over time, but you can make them significantly better by understanding what is going on and adjusting accordingly.
So the next asset class is stocks. If you took dividends you are up 137 times plus had a very good growing income over the years. However if you reinvested the dividends you are up 8,146 times. $100 dollars is now worth $816,406. Of course if you reinvested the rent on the home rentals (if it were possible) then real estate returns do much better. There is no way to do it like with stocks, but you can save up the rental income and invest in more property later. But the point is these two asset classes by far out perform the rest. And in the investment world, the wealthy invest in these things where the 9 to 5 people normally do not, they are too risky. But where is your risk?
Your risk is not in these assets but in lack of wisdom about them. It is not a gamble to invest correctly. Yes you will lose out on some, but you make so much more on others that it makes it up. But you are for sure going to lose if you play along with the system and work 9 to 5 and put your money under the bed or in the back yard.
One other risk, liquidity. Real estate is a much easier game to figure out than stocks, and which ones. However it is also not very liquid. It can take months to years to sell a property, where stocks can be sold daily (except weekends and holidays) and you have your cash. I prefer the real estate game, forgoing liquidity for the easier decisions, when to invest and when not to, keeping enough cash flow and cash on hand in case we need it. I also have done stocks over the years, especially when a stock broker. But with a lot of stress, not so much with real estate, I can always sit on a home and collect my rental income while waiting for it to go up in price. And I personally have made a lot more money in real estate than Stocks or anything else. Right now we sit idol mostly because there are no real options to invest in these days, again too expensive.
But back to the main point, I do not love money, I love God. But in loving God up and above all, he has given me wisdom to understand how things work so I do not have to work 9 to 5 and spend all day away from my family, first and foremost. But also so we do not have to worry about how we are going to pay the bills. In my past with lack of wisdom of God, I did. We spent more than we made and never learned to invest correctly, so I was always stressed and chasing the American dream instead of chasing after the Lord.
Seek first the Kingdom of God and its righteousness, and then everything else will be given to you!