“Steady plodding brings prosperity” — Proverbs 21:5.

Over the years I have seen a lot of people come and go. The ones that save money each month and invest with wisdom do well!

I learn more from watching people than what they tell me they are doing. I have read 35 percent of all adults have $0 savings. My friend, James Stogner, would say, “Spend less than you make.” There is so much wisdom to that little saying!

Years ago I got to spend two hours with Mr. Callaway and one thing he said that made a lot of sense then and now is, “You should give 10 percent each month to your church and save 10 percent each month, and,” he said, “you would never have money problems.”

So simple, but so true.

Proverbs 21:20 says, “The wise man saves for the future, but the foolish man spends whatever he gets.”

Are we teaching our children to save or spend it all – max out the credit card every month? Teaching a child to handle money is part of their education.

As adults we need to teach our children to save for a rainy day. As Rick Torrance would say, “Watch after the pennies and the dollars will take care of themselves.”

“Wise men don’t need advice. Fools won’t take it.” — Benjamin Franklin

What does all this about saving money have to do with us? Everything!

We need to teach our young people to not live for today, but live for tomorrow every day. We can teach this to our kids.

They cannot have everything right now. They need to have goals and work and save for those goals.

Proverbs 22:6 says, “Train up a child in the way he should go, even when he is old he will not depart from it.”

The habits you teach your children will make them wealthy in their future or broke in their future. The choice is yours. Please teach them with wisdom.

“The heart of a fool is in his mouth, but the mouth of a wise man is in his heart.” — Benjamin Franklin