I wish I could think of these catchy phases, but I can’t. I was listening to Andy Stanley yesterday and he used this phrase, “me first living and leftover giving.”

My mentor in life (Harmon Born) told me years ago his view of personal financial advice. He said when you earn money, give 10%, save 10% and live off the 80%. That is incredibly simply yet it could be the best thing you could ever do. See, the giving part keeps your heart humble, the saving part strengthens your hope for the future and living on the rest, helps keep your spending in check.

What Andy Stanley was saying was that so many people use it all on themselves and if there is any leftover, sometimes they give. People that live this way very rarely have any leftover and more times than not, they live from paycheck to paycheck.

There is something very deep spiritually when a person chooses to have a giving heart. I can’t explain it in the vernacular, but you already know what I mean. Additionally, there is something about having money saved that helps you sleep better and have more rest and peace. The person that spends everything they make just seems to be in a constant state of unrest.

So, don’t be a “me first living and leftover giving” person. Instead be a “me first giving and leftover living.” KT