1. COUPLES AGLOW SEMINAR 1 MONEY MATTERS IN MARRIAGE 2 July 2011 DELIVERANCE CHURCH

2. 2 July 2011 MONEY MATTERS IN MARRIAGE 2 Money Matters in Marriage Presented by: Bro. Henry Mahugu Wanjohi

3. MONEY MATTERS: Power & Control Stewardship Investments Retirement 3 MONEY MATTERS IN MARRIAGE 2 July 2011

4. 2 July 2011 MONEY MATTERS IN MARRIAGE 4 POWER & CONTROL

5. Husband/Wife Balance Agreement on Operating Standards Power & Control Struggle Amos 3:3 Marriage Eagle vs. Duck Combination

6. Vision: Till death do us part. Relationship Maturity curve Maturity Living together > 24yrs 4 Accepting one Another 15 – 24yrs 3 2 Coping and Understanding one another 7 – 14 yrs 1 Meeting and knowing one another 1 – 7yrs 0 Time (Yrs) How soon do you give up? When do you give up? What do you give up? Where do you give up?

7. Sources of Stress Politics In-Laws School Fees Death Family Marriage Home Ownership Matthew 11:29-30 “Take my yoke upon you and learn from me..” Ageing Boss Retirement Spouse Clothing Debts Health Security Money

8. STEWARDSHIP 8 MONEY MATTERS IN MARRIAGE 2 July 2011

9. Stewardship - Definition In general stewardship is the responsibility for taking good care of resources entrusted to someone. 9 MONEY MATTERS IN MARRIAGE 2 July 2011

10. Stewardship in Christianity In a Christian context, stewardship refers to the responsibility that Christians have for the gifts that God has bestowed on them. In some settings, stewardship is operationalised as time, talent and treasure. In this context: (Management of 3Ts) Stewardship = Time + Talent + Treasure 10 MONEY MATTERS IN MARRIAGE 2 July 2011

11. 2 July 2011 MONEY MATTERS IN MARRIAGE 11 Investment driven by Stewardship God Rewards Stewardship Knowledge Understanding Wisdom Isa. 11

12. Definitions: Time quantifies or measures the interval between events, or the duration of events. A gift can be a special talent or ability that was not earned through the usual amount of long and difficult practice but instead comes easily to the recipient in a natural way. Treasure is a concentration of riches, often that which is considered lost or forgotten until being rediscovered 12 MONEY MATTERS IN MARRIAGE 2 July 2011

13. Treasures in Heaven Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal (Matthew 6:19) For where your treasure is, there your heart will be also(Matthew 6:21) 13 MONEY MATTERS IN MARRIAGE 2 July 2011

14. Retirement Quotes: The question isn't at what age I want to retire, it's at what income. ~George Foreman Don't simply retire from something; have something to retire to. ~Harry Emerson Fosdick Retirement kills more people than hard work ever did. ~Malcolm Forbes 14 MONEY MATTERS IN MARRIAGE 2 July 2011

15. INVESTMENTS 15 MONEY MATTERS IN MARRIAGE 2 July 2011

16. 2 July 2011 MONEY MATTERS IN MARRIAGE 16 INVESTMENTS During your Youth

17. 2 July 2011 MONEY MATTERS IN MARRIAGE 17

18. 18 MONEY MATTERS IN MARRIAGE 2 July 2011

19. Net savings Invested in a house Note Interest expense Scenario 1 19 MONEY MATTERS IN MARRIAGE 2 July 2011

20. 5 Yrs Additional Kshs. 3K Scenario 2 Savings 20 MONEY MATTERS IN MARRIAGE 2 July 2011

21. Reduce Period by almost 50% Additional Kshs. 8K Scenario 3 Notice Impact 21 MONEY MATTERS IN MARRIAGE 2 July 2011

22. Principal amount increases Change Interest Rate Pay same amount 22 MONEY MATTERS IN MARRIAGE 2 July 2011

23. RETIREMENT Cycle (Investment in old age) 23 MONEY MATTERS IN MARRIAGE 2 July 2011

25. 2 July 2011 MONEY MATTERS IN MARRIAGE 25 Transferred Value Kes. 100K NB: Some people started with ZERO Transferred Values KES. 800K Transferred Value Kes. 1.5M Children receive accumulated blessings Prov. 20:21 An inheritance claimed too soon will not be blessed at the end.

26. 2 July 2011 MONEY MATTERS IN MARRIAGE 26 Facts & Figures Subject to TAX

27. 2 July 2011 MONEY MATTERS IN MARRIAGE 27 Thank You & God richly Bless you.