In today’s fast-paced world, managing money wisely is more important than ever. Financial intelligence is not just being wealthy, neither is it about making more money (though that’s great too). It’s about making smart choices with the money you have. Understanding how money works and using that knowledge to make sound financial decisions that support your goals and values.

What Is Financial Intelligence?

Financial intelligence means being financially smart. It means budgeting, saving, spending wisely, and avoiding unnecessary debt. It’s not a talent you’re born with. It’s something you can learn and grow in. Proverbs 14:8 says, “The prudent understand where they are going, but fools deceive themselves.” In other words, wise people make plans. Financial intelligence helps you live with intention rather than impulse.

Personal Finance Starts with You

Here are a few basics:

● Budgeting: Know what comes in and what goes out.
● Saving and Investing: Prepare for the future while making your money work for you.
● Spending Wisely: Avoid unnecessary expenses and live within your means.

As Proverbs 21:5 reminds us, “Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.”

Why Net Worth Matters

A lot of us focus on how much money we have in the bank, but your net worth is a better picture of your finances. It’s the total value of what you own minus what you owe. Tracking your assets and liabilities helps you see the bigger financial picture. A positive net worth is a sign of healthy financial habits, while a negative one shows areas to improve. The goal? A positive net worth. If your liabilities are higher than your assets, it’s time to reassess and make a plan.

How to Become Financially Intelligent:

1. Be Driven: Like Jeroboam in 1 Kings 11:28, be industrious and committed to growth.

2. Seek Knowledge: Don’t just wish to be better with money, learn how to be. Proverbs 19:20 encourages us to get wisdom and instruction.

3. Apply What You Learn: Knowing isn’t enough. Use your knowledge to make better choices.

4. Track Your Spending: Know where your money goes and make adjustments when needed.

5. Surround Yourself with the Right People: Wisdom is contagious. Proverbs 13:20 says, “Walk with the wise and become wise.”

6. Ask God for Help: Financial intelligence isn’t just practical, it’s spiritual. James 1:5 promises that if we ask for wisdom, God will provide it.

Final Thoughts

Financial intelligence is a lifelong journey, not a one-time achievement. It won’t just make you better with money. With discipline, knowledge, and divine guidance, you can make wise financial decisions that lead to peace, purpose, and prosperity. As the saying goes: Hardly will you find a financially intelligent person unsuccessful. You don’t have to be rich to be wise with money. Start small, stay consistent, and trust God to guide your steps.