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The Habits of Financial Health - Part 3
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Pastor Rick Warren
God’s Investment Funds Last Forever
09/05/2026

“They should be rich in good works and generous to those in need, always being ready to share with others. By doing this they will be storing up their treasure as a good foundation for the future so that they may experience true life.” 1 Timothy 6:18-19 (NLT)

You are going to enjoy forever what you invest in heaven, and you invest in heaven every time you use money for good.

The Bible says in 1 Timothy 6:18-19, “They should be rich in good works and generous to those in need, always being ready to share with others. By doing this they will be storing up their treasure as a good foundation for the future so that they may experience true life” (NLT).

So what’s the best way to store up your treasure in heaven? Any financial advisor will tell you not to put all your eggs in one basket. Instead, you put your money into different funds for a balanced portfolio.

Today and tomorrow, we’re going to look at five different “funds” you can invest in for eternity. These funds are proven. They have a track record. They’re protected. They are risk-free. And they yield enormous dividends.

God’s Growth Fund. This is any time you invest in something that is going to grow your character. Proverbs 10:16 says, “The earnings of the godly enhance their lives, but evil people squander their money on sin” (NLT). 

You enhance your life with your money when you use it to grow spiritually, intellectually, and emotionally. When you use money to develop your skills and become mature, you are investing in eternity.

God’s Mutual Fund. This is every time you use money to encourage fellowship and build relationships with other believers. Romans 12:13 says, “When God’s people are in need, be ready to help them. Always be eager to practice hospitality” (NLT).

Why does God want you to use some of your money to show love to other believers? There are three reasons: It proves that you’re in God’s family. It creates unity. And it’s a witness to unbelievers.

God’s Service Fund. This is when you invest in eternity by using money to serve others. God wants you to take some of your money and use it to help people who are in need.

Proverbs 11:24 says, “One person gives freely, yet gains more; another withholds what is right, only to become poor” (CSB). In other words, the more you help others, the more God blesses you. Why? Because God is a giver. He is generous, and he wants you to become like him.

You’ll find yourself becoming more and more like God as you invest in your character, other believers, and people in need.

Talk It Over
  • Do you spend money on things that ultimately damage your character? What could you direct that money toward to build your character instead?

  • Why is it important to demonstrate to people that you are in God’s family by taking care of other believers?

  • What is your motivation for being generous? How does your motivation affect your generosity?

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