It Starts with a Conversation


DESTINATIONS: Debt or Investment

DESTINATIONS: Debt or Investment

First, Seek Him...

The principles of debt and investment are about so much more than money and finances. How we live our lives today either incur a price or sow blessing into the future.This discipleship conversation is about “making the most of every opportunity.” Seek the Lord about this today!

...Then Speak Him

This conversation is so strategic! Through the framework of debt or investment, talk to your kids about being very careful in what they do and how they do it. Use this week’s Scriptures and your own stories of wisdom to “Speak Him” about using their lives and opportunities wisely!

Listen to the Podcast

Ephesians 5:15-16
“Be very careful then how you live – not as unwise but as wise, making the most of every opportunity, because the days are evil.”


God, what are you saying to me through this Scripture?

The Bible encourages us to be very thoughtful about how we spend our lives. Some unwise paths lead to serious debt, while other wise paths invest in your future. To “be very careful how you live” means that you think about where you’re going and how you’re getting there. You look at your opportunities, and you carefully choose the paths that invest in tomorrow! ~ What are some opportunities YOU have today?


God, why does this matter?

How you live today can incur debt or be an investment in the destinations of your life. Debt is a price you must pay in the future, while investment is something you reap benefits from in your future. Unwise character traits like selfishness, deception, sexual impurity and laziness incur debt. On the other hand, generosity, truthfulness, purity and hard work are examples of wise choices that make “the most of every opportunity.” ~ How do unwise character traits incur debt? What are some payoffs that wise character traits might have? Which do you prefer? How can you “be very careful then how you live” in these?


God, What Else Does Your Word Say About This?

Proverbs reminds us, “Carefully consider the path for your feet, and all your ways will be established” (4:26 CSB). How you spend your life today determines whether you’ll be paying the debt or reaping the benefits in the future. As you “carefully consider” your path, Galatians 6:7 adds, “Whatever one sows, that will he also reap” (ESV). You can go down paths that incur debt you won’t want to have to pay. Or, you can carefully think about your life, establish good character, and sow blessing into your future. ~ How are you investing in your future today? Is there anything you’re planting now that you don’t want to reap later?


God, How do you want me to respond to this truth?

“This is what the Lord Almighty says:  ‘Give careful thought to your ways” (Haggai 1:5 NIV). We can obey God by thinking about where we’re going and how we’re getting there. Your choices today affect your destination tomorrow. ~ What is one potentially new choice you can make today that will invest in your future? Spending more time in prayer or in the Word? Being more generous? Working harder in school? Let’s pray about this together and ask God to help us invest wisely!

Ephesians 5:15-16
“Be very careful then how you live – not as unwise but as wise, making the most of every opportunity, because the days are evil.”

A Family Blessing

A Blessing from this Lesson to Speak over Those God has Entrusted to You!

May you walk in wisdom, making the best use of your time and investing in your future, in Jesus’ Name, amen!

Share These verse images with the next generation

Color Square

DESTINATIONS: Debt or Investment


DESTINATIONS: Debt or Investment

Mobile Wallpaper

DESTINATIONS: Debt or Investment
Black and White Square
DESTINATIONS: Debt or Investment

© 2021 Tosha Williams, Family Disciple Me

Up Next: Destinations- Death or Life- Which Path Will You Choose?


Join the Family!

Email and text messages delivered to your device.
Encouraging verse images and resources at your fingertips.

Join Our Online Communities

Pin It on Pinterest

Share This

Bring FDM home to others!