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One Income, 2 Parents, and 2 Children...
Imagine a family of four—two parents and two children—trying to survive on one minimum-wage income of approximately $30,720 per year. On paper, $30,720 may sound like enough to cover the basics. But once we look at what it actually costs to live, the financial reality becomes much more difficult.
After approximately $3,222 in income taxes, this family is left with about $27,498 for the entire year.
Now consider just two basic necessities:
Rent: $18,000 per year
A modest two-bedroom apartment costing $1,500 per month.
Groceries: $9,360 per year
Approximately $180 per week to feed four people.
Together, rent and groceries alone total $27,360 per year. That leaves this family with only about $138 for the entire year after taxes, rent, and food.
And the bills don't stop there.
Transportation in our example costs approximately $3,393 per year, and there may also be utilities, insurance, medical expenses, clothing, school expenses, automobile repairs, emergencies, and many other costs that every family eventually encounters.
This Is the Reality for Many Working Families
A parent working 40 hours every week may be doing everything society tells them to do—working hard, supporting their children, paying their bills, and trying to stay financially responsible—yet the numbers still may not work.
The problem is not always that a family is spending irresponsibly. Sometimes there simply isn't enough income available to pay today's basic cost of living. That is why financial planning becomes especially important when money is limited.
When the Numbers Don't Add Up, Put God in the Equation
A financial plan is important. We should know what we earn, understand what we spend, control debt, prepare for emergencies, and use our resources wisely. But for a family trying to survive on a very limited income, there may be times when the numbers simply do not add up. This is where faith becomes an important part of the journey.
When we allow God to be at the center of our lives and our families, we are no longer approaching our financial circumstances with money alone. We approach them with faith, prayer, wisdom, obedience, perseverance, and trust in God's provision.
The Bible teaches us to seek God first and trust Him with our needs. Jesus said:
“But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” — Matthew 6:33
This does not mean that we ignore our responsibilities or stop planning. Quite the opposite. We should work diligently, spend wisely, avoid unnecessary debt, care for our families, develop our abilities, and make responsible financial decisions. But after doing what we can, we must also recognize that God is greater than the numbers on a spreadsheet.
Obedience Changes the Way We Live
Trusting God is more than simply asking Him for financial help. It also means being willing to obey Him. Obedience may require us to change our priorities, become more disciplined, forgive someone, eliminate destructive habits, work harder, learn new skills, give generously when we are able, care for our families, or make decisions that honor God even when they are difficult.
Proverbs 3:5-6 reminds us:
“Trust in the Lord with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and he shall direct thy paths.”
Sometimes we look at our income and expenses and conclude, “There is no way we can make this work.” But God may provide opportunities that we cannot yet see. A better job may become available. An unexpected opportunity may arise. Someone may offer assistance. A family may discover a way to reduce an expense. A new skill may lead to additional income. A relationship may open a door. An unnecessary expense may disappear. Or God may give us the wisdom and strength to accomplish something we previously thought was impossible.
We should never use faith as an excuse to avoid responsibility. Instead, faith should strengthen our responsibility. We make the plan. We do the work. We manage what God has placed in our hands. And then we trust Him with what is beyond our control.
God Can Do More Than Our Financial Calculations
A family's financial situation may seem impossible when viewed only through the lens of income and expenses. But our lives are not controlled exclusively by a mathematical equation.
There is another factor that cannot be entered into a spreadsheet:
God's provision. When we walk with God, seek His direction, and live obediently, we can face financial hardship with hope rather than fear. This does not mean that every financial problem will disappear immediately or that believers will never experience hardship. It means that hardship does not have to determine the final outcome of our lives.
Matthew 6:33
“But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” — Matthew 6:33
Path to Financial Freedom
Our Personal Journey
My office is currently located in West Covina, California, where I am committed to making practical financial education accessible to individuals and families in our community. I believe financial planning should not feel overwhelming or reserved only for the wealthy. It should give everyday people a clearer understanding of where they are, where they want to go, and the steps they can take to get there. Each month, I host educational seminars designed to simplify important financial concepts and provide practical strategies people can apply to debt, retirement, homeownership, insurance, cash flow, and other important financial decisions. My goal is not simply to provide information, but to help people gain greater confidence, make informed decisions, and develop a clear plan for their future.
My work is also deeply personal because I have tried to apply many of these same principles in my own life. At age 55, I was able to retire from my regular employment and devote my time and energy more fully to my private financial planning practice. I also help manage the psychological practice my wife and I have built together. Through years of planning, hard work, persistence, and responsible decision-making, our businesses have grown to the point where they provide us with a comfortable quality of life. That experience has strengthened my belief that financial progress rarely happens overnight. It is usually the result of many decisions made consistently over many years.
But I do not believe our journey can be explained by financial strategies alone. At the center of our lives has been our faith in God. For more than 20 years, my wife and I have worked to strengthen our relationship with the Lord and trust Him to guide our decisions, our work, our marriage, and the way we serve others. Our journey has included successes as well as disappointments, uncertainty, setbacks, and difficult seasons. We did not always know exactly where the road would lead, but we continued moving forward in faith. Looking back, we are deeply grateful for where God has brought us and for the opportunities He has placed before us.
Those experiences have shaped the way I think about success today. To me, success is about much more than accumulating money. It is about having the freedom and resources to care for your family, prepare for the future, help others, and live with greater purpose and peace of mind. Money is a tool. When it is managed wisely and aligned with your values, it can help create opportunities not only for yourself, but also for the people around you.
That is why our mission is simple: to help improve the quality of life of our family, friends, clients, and community. Whether I am helping someone develop a financial plan, teaching at a seminar, encouraging a family to take control of their finances, or helping someone see possibilities they may not have considered before, I want my work to have a meaningful impact. I want people to understand that their current financial circumstances do not necessarily have to determine their future. With knowledge, discipline, thoughtful planning, perseverance, and faith, meaningful progress is possible.
Every day gives us another opportunity to grow, to serve, and to positively influence someone's life. At the same time, we continue learning and working to improve our own lives. We do not consider our journey finished. We are still growing in our faith, strengthening our businesses, improving our financial decisions, and looking for new ways to serve others. My hope is that by sharing not only what I have learned professionally, but also what my family and I have experienced personally, I can encourage others to build a life with greater financial confidence, stronger purpose, and a clearer vision for the future.
Here is how I want to help you. Download all these articles for free. Read them many times and apply the concepts in your life right away. Pray a lot and learn to trust in him. You will not be disappointed!
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