7 Numbers You Need to Know For Financial Success

Financial success is not about how much money you make, but what you do with it.  It's not about what you drive, or where you go on vacation.  It's about security, breathing room, a clear conscience, and peace of mind.  You don't have to be the biggest earner to be successful with money; you just need to be the smartest spender.  For financial success you need to know 7 numbers.

100 -- The percentage of your money that belongs to God.  You don't own anything.  God owns it all, and you are His money manager.  Get this right and everything else will begin to fall into place.
 
10 -- The percentage of your income that you must give to God every time you get paid.  It's called tithing, and it teaches you to place your finances under God's control.
 
0 -- The amount of debt you should have, other than your home.  Stay out of debt.  Never use credit -- not for cars, or appliances, or vacations, or gifts, or home repairs, or anything!
 
25 -- The maximum percentage of your take-home pay that you should be spending on a mortgage.  Any more than this and you will be "house poor" -- you'll have a nice house, but you won't have money for anything else!  
 
3 -- The minimum number of months worth of living expenses you need to have saved up in an emergency savings account.  And this is ONLY for real emergencies!  Note:  This is not the same as 3 months worth of income.  Just expenses.  This is just to help you get by in case things go south.
 
15 -- The percentage of your gross income that you should be investing in your retirement.  Start by maxing out your Roth IRAs (one for you, and one for your spouse), and then take advantage of your company's 401 (k). 
 
10,000 -- The percentage you get back when you give to God's kingdom causes (see Mt. 19:29).  Don't give just to get something in return, but remember that you can't out-give God. 

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