1—Let's Get Real
Money stress is real, NGN can help you deal
Let’s talk about reality. No, this is not a philosophy blog; it's not about metaphysics, the origin, nature, and the essence of the reality of all things. (We will, however, do a "reality check" occasionally).
It's about money, which is kind of a real thing (but in some ways not really), but certainly something we all need in real life. But here's the thing about money: it can quickly become stressful whenever the subject of money comes up (and it often does). You may already be tense, and your mouse or finger may already be heading for the red dot or little x at the top of the screen to shut this whole thing down.
I could tell you to "suck it up, buttercup," but I get it. Managing your money daily can be tedious, exhausting, and stressful, and despite our best efforts, we can feel like we're getting nowhere.
That's why discussing or reading about money (especially your money) often stirs up feelings of frustration, insecurity, guilt, and even fear. You're not alone if this topic makes you more than a little uncomfortable. It doesn't help that so much information is out there—many loud (and sometimes conflicting) voices telling you how to manage your money. There are well-known financial gurus (Dave Ramsey, Susie Orman, Robert Kiyosaki, Tony Robbins, and others) and tons of books, podcasts, and blogs from the "experts. (Side note: There are experts, but avoid anyone who says they have the "secret" to. . . [fill in the blank]).
It can all be overwhelming. But it doesn't have to be or super stressful either. I am going to do my best to prove that to you. But first, you have to give me a chance.
"Why you?" you may ask. That's a good question. I am, after all, a pretty average and, dare I say, old guy. But I'm also a husband, a father, a grandfather, and most importantly, a follower of Jesus. I've never been a financial professional, although I've worked most of my life as an IT professional for major banks. I have a couple of college degrees, one an MBA, and some other post-graduate work and training, but most of that was decades ago and means little or nothing now.
What I've done that's more relevant is a ton of self-education on Christian stewardship and all areas of personal finance. That’s why I tend to be a bit nerdy about this subject, as sometimes it is necessary to get into the details. So, fair warning: learning this stuff involves some math or at least working with some basic math concepts.
But before you freak out and shut down your computer (or go back to Instagram or whatever app you were using), I promise you—it's mostly simple math, not differential calculus (which I almost failed as a freshman in college, and my sad excuse was that it was a 100-person class, 8-9 am, Monday through Thursday—a killer).
I'll also introduce you to some good online resources and tools you can use if you want (or need) to do more sophisticated calculations, projections, or ongoing money management tasks in the future. I'll also use some examples throughout. These examples will help you understand and apply these concepts by showing them in action, making them practical and relatable.
So if you're stressed out about money, don't worry-we'll take it one step at a time. I’ll demystify complex financial concepts and give you the biblical and practical knowledge you need to become a wise and successful steward for your benefit, the benefit of others, and the glory of God.
For reflection: In what ways does thinking about money stress you out? Are you anxious and worried or just overwhelmed by everything to be concerned about? Consider why you feel those pressures and how you can apply God’s Word and prayer to your situation.
Verse: “Do not be anxious about anything, but in everything by prayer and supplication with thanksgiving let your requests be made known to God. And the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus” (Philippians 4:6-7, ESV).