Get Some Help and Make Some Plans, PGTF Principle 6

by Derek Clark

Plans fail for lack of counsel, but with many advisors they succeed. Proverbs 15:22
The plans of the diligent lead to profit as surely as haste leads to poverty. Proverbs 21:5


Financial freedom isn’t easy. It doesn’t just happen. You won’t just wake up one day and say wow I have a lot of money in the bank and no debt. It doesn’t work that way. You have to plan for success, and then work diligently to make your plans succeed.

Make a budget. Set up your debt snowball. Learn how to save for retirement. These are all things you need to plan ahead for. Many of them are also things you should get some outside advice for.


You are only as smart as the people you put around you. Now this doesn’t mean you have to go and spend lots of money on financial advisors, though that is an option. You just need to gain wisdom from smart people you can trust. Hopefully you have a friend or family member that is like minded enough to bounce ideas off of. Having somebody that you are accountable to is very helpful for financial success.

There is also tons of really great free advice on the internet. Do some searching around. Check out Free Money Finance, Bible Money Matters, Get Rich Slowly, Christian Personal Finance, Yakezie, or Early Retirement Extreme. Each of these sites are full of great advice. If you want to talk to someone for advice, send me or one of these guys an email and we’ll be glad to help. My email is clarky07[AT]gmail[DOT]com. You are welcome to email me any time. I’m happy to help. Many of these sites have ask the readers days as well. You can have your question discussed and answered by the many intelligent readers of these sites.

You can’t just wing it. Make a plan to succeed, and then follow through with it. Also, there is too much great information out there to try and do everything yourself. Reach out to others for help and your plans will have a better chance of success.

If you missed it, check out the whole list of principles in my intro post on the principles of finance found in Proverbs. Each principle is key in your journey to financial freedom.


[email protected] September 8, 2010 at 10:54 am

Your post is also an excellent reminder that if we learn these principles while we are young we can avoid having to dig ourselves out later. Seems there is a great need for financial education for teenagers.

Derek Clark September 8, 2010 at 11:05 am

I completely agree. I really think that some sort of personal finance class should be required to graduate high school. Dave Ramsey’s curriculum or something similar would be great.

The stats on what people know when they graduate high school and even college are scary. It’s no wonder so many people are going through bankruptcy and foreclosure right now.

Yakezie September 9, 2010 at 12:39 am

A plan for success is definitely a good idea. No plan, no direction!

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