Personal Finance

Luke 16:9
I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings
  • Greatest learning is unlearning
  • Gift is bribe if expecting favours
  • Gift is not bribe if not expecting favours
  • Only God knows the intention of the heart. That differentiates gift from bribe
Proverbs 18:16
A man's gift maketh room for him, and bringeth him before great men.
  • Gift is important but focus should be on meeting the people
  • Money is a personality
  • Only certain kind of personality will attract money.
  • Decorate your spirit which pulls money towards you.
  • Even if you earn less, if you have better personality you are able to get more money
  • You can have the right qualification and the wrong personality, it will make a failure in the field of work.
  • If someone want to be a Pastor, he has to change his personality.

Prophetic Destiny for 2024

  • People
  • Place
  • Personality

Personality of a rich man

2 Peter 1
 5 But also for this very reason, giving all diligence, add (YOU ADD) to your faith virtue, to virtue knowledge, 6 to knowledge self-control, to self-control perseverance, to perseverance godliness, 7 to godliness brotherly kindness, and to brotherly kindness love. 8 For if these things are yours (in you) and abound, you will be neither barren nor unfruitful in the knowledge of our Lord Jesus Christ. 9 For he who lacks these things is shortsighted, even to blindness, and has forgotten that he was cleansed from his old sins.
  1. Excellence
  2. Knowledge
  3. Self control
  4. Consistency
  5. Rev Fear of God
  6. Kindness
  7. Charity
  • Take the personality of a rich person and put it in you, that will make money
  • Take a personality of a Pastor and put it in you, that will make your a Pastor
  • Take a personality of a Prophet and put it in you, that will make your a Prophet
  • Personality is the only thing which stands in your way for success for 2024
  • Personality can destroy your destiny. It can take money from you.

16 Personality in the World.

2 Corinthians 5:17
Therefore, if anyone is in Christ, he is a new creation (PERSONALITY); old things have passed away; behold, all things have become new.


Virtue -> Excellence -> Quality -> Standard before perfection -> Perfection
Quality -> Standard before perfection

Excellence is the order manifested : Genesis

Daniel 6
 1 It pleased Darius to set over the kingdom an hundred and twenty princes, which should be over the whole kingdom;
 2 And over these three presidents; of whom Daniel was first: that the princes might give accounts unto them, and the king should have no damage.
 3 Then this Daniel was preferred above the presidents and princes, because an excellent spirit was in him; and the king thought to set him over the whole realm.
  • Everybody of Holy Spirit but not everyone have excellent Spirit.
  • Degree to which you allow the Holy Spirit to your spirit makes you excellent


  • Create habits.
  • Be consistent.
  • It has to be programmed in your spirit.
  • Consistency in repetition.
  • Holy Spirit mainly uses the Word. You are not giving anything to Holy Spirit to use with. Holy Spirit need a tool. Tool is the word. Give something to God to work with. Word is the Vehicle, through which Holy Spirit can access your spirit. Then Holy Spirit can make you excellent and consistent.
Hebrew 13:8
Jesus Christ is the same yesterday, and today, and for ever. 


  • Money Mondays
    • Knowledge about Money
    • Condition your spirit
  • Food Fridays
  • “Conversation Produces cash flow” in certain forum
  • People who cannot make a conversation, they can’t make money
  • Conversation determined by intelligence.
  • Less intelligence = Less Conversation = Less Money
Psalm 1:1
Blessed is the man that walketh not in the counsel of the ungodly, nor standeth in the way of sinners, nor sitteth in the seat of the scornful.
  • Converse with people only up to a limit


  • Conditioning
  • Making ready
  • David Shepherd King – 2 Personality. Groomed to be king. one will dominant
  • Dominant will protect the less dominant


  • Law of splitting – Principle of splitting
Matthew 10:16
“I am sending you out like sheep among wolves (carnivores blood sucking). Therefore be as shrewd as snakes and as innocent as doves.

When you are yielded to the holy spirit in the marketplace or in a board room or before a church. Sometime you don’t know what personality to carry in that moment, but Holy Spirit will know.

  • Snake personality
  • Dave personality
  • Yied it to Holy Spirit to identify in what Personality you should be in the moment.
  • Never become a wolf
  • There is a limit
  • You need certain amount of knowledge to be in that personality.
  • Easy way to add intelligence is by having conversation with intelligent people
  • Don’t be the wisest person in the group
  • Hang around with intelligent people
  • 1 min with intelligent person you are going to walk out wiser.

Mathematics 4 symbols of personality

  • Personality also come in this 4 categories.
  • Some people divide you, multiply, add you or subtract you.
  1. Division personality = People who Talk about another person
  2. Multiply personality = People who multiply you.
  3. Subtract personality = People who remove value
  4. Add personality = People who add value

2024, Linked more towards personality that to your prayer . In turn it will enhance prayer.

Self control

  • Money is attract to such a kind of people
  • Control appetite. It’s good to save.
  • Adultery has the power to make your poor
Proverbs 6:26
For by means of a whorish woman a man is brought to a piece of bread: and the adulteress will hunt for the precious life.
  • Brought to a piece of bread means – Bread only you get, no butter, no jam, no honey
  • If wife is busy preaching to her husband she will loose her voice in her home very soon
  • What to say and when to say.
  • Men are not wired to listen to women


  • Reverential Fear of God
  • You have to add it.

One role model who has all 7 = Jesus

  • Your mind is the door to your spirit.
  • Your spirit is what gives you personality
  • Giving your mind is starting to program your spirit.
  • Spirit does not know time. Holy Spirit and your spirit makes Jesus more relevant.

Meditate on how Jesus was = Mind will gravitate towards that thought = spirit will be programmed with the Spirit of Jesus.


  • Money comes to kind people
  • People will say one day I am going to repay you.

You will never know when you will need the additional help. People whom you tipped could be your help.

  • Even to people who haven’t added any value, give them 10 bucks.
  • Even they don’t do or do , you are unconsciously training your personality.
  • Train your personality to humble.
  • It takes conscious decision to program you to be humble.

It’s a law to have all above to be able to money, promotion, growth


  • Poor = 40%, God = 10% is irrelevant.
  • God > Poor
John 12:8
You will always have the poor among you, but you will not always have me.”
  • Heaven keeps records
Proverbs 19:17
Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done.
  • But ratio matters God/Poor > 1
  • Pay God more than Gov. Thats why need 4 streams of income

Don’t go by number , but by value

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