When it comes to finances, most Americans just wing it. They play it by ear. They guesstimate. But is that really way to get where you want to go? Without a plan, everything you've gained through sacrifice and hard-work could be lost. Because those who fail to plan plan to FAIL. Here's the thing: God doesn't want you to FAIL with money, because if you fail with money, it can affect so many other areas of your life. In fact, making a plan for how you SPEND money could be one of the most spiritual things you do this year.

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