True wealth is not measured by possessions or bank accounts, but by allowing money to serve God’s purposes in your life; when money becomes your servant and not your master, your life is defined by love for God and others, not by material abundance. [28:40]
Matthew 6:24 (ESV)
“No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”
Reflection: In what practical way can you use your resources this week to serve God or bless someone in need, rather than simply accumulating more for yourself?
A truly rich life is experienced by using your gifts and resources to serve the poor, the abandoned, and those in need, reflecting God’s heart for mercy and compassion. [30:42]
Proverbs 19:17 (ESV)
“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.”
Reflection: Who is someone in your community or circle who could use your help or encouragement today, and how can you reach out to them in a tangible way?
Starting small, being faithful with little, and persevering through failures and setbacks are essential steps on the journey to greater fruitfulness and blessing. [12:21]
Luke 16:10 (ESV)
“One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much.”
Reflection: What is one small area of your life—finances, relationships, or service—where you can choose to be more faithful and intentional today?
No matter how busy or successful you become, making time for your marriage and family is non-negotiable; true richness is found in nurturing these relationships above all else. [33:35]
Ephesians 5:25 (ESV)
“Husbands, love your wives, as Christ loved the church and gave himself up for her.”
Reflection: What is one specific way you can show love and prioritize time for your spouse or family this week, even amidst your other commitments?
Empowering children and those you mentor to handle money wisely and invest early helps them experience God’s abundance and prepares them to bless others in the future. [26:53]
Proverbs 22:6 (ESV)
“Train up a child in the way he should go; even when he is old he will not depart from it.”
Reflection: How can you intentionally teach or model wise stewardship and generosity to the next generation—your children, grandchildren, or those you influence—starting today?
Life’s journey is rarely a straight line, and true richness is not measured by money alone. Growing up as the youngest in a large family, I learned early on that blessings often come through unexpected paths and challenges. My family’s move to Cebu, our struggles with language, and our eventual encounter with God at a prayer meeting all shaped the foundation of my faith and service. At just 14, I found myself leading a small prayer group in our garage, which would become the Light of Jesus community. Even as a child, my love for performing—telling jokes, doing magic tricks—was God’s way of preparing me for a life of preaching, teaching, and serving.
For many years, my focus was solely on faith and ministry, believing that material needs would somehow take care of themselves. But witnessing the financial struggles of fellow missionaries, especially those with families, opened my eyes to the importance of stewardship and financial wisdom. I realized that trusting God also meant learning about money, business, and how to provide for those we love. This led to many failed business attempts—food stalls, network marketing, and more—but each failure was a lesson in humility, perseverance, and growth.
Eventually, I discovered that the best way to build something sustainable was to start with what I already knew and loved. Speaking, writing, and teaching became avenues not just for ministry, but also for providing for my family. Our ventures, like the Catholic Filipino Academy Homeschool and the Truly Rich Club, were born out of a desire to help others—families seeking better education for their children, and ordinary people wanting to break free from financial hardship. Through mentorship and community, we’ve seen lives transformed, from our own household staff becoming millionaires through disciplined investing, to our sons learning the value of money and stewardship from a young age.
But true wealth is never just about money. It’s about making money a servant, not a master—using it to serve God’s will, to love others, and to build a life defined by generosity, purpose, and relationships. Our marriage, too, has been a journey of learning, conflict, and commitment, always prioritizing time together and growing through each season. Serving the poor, building ministries, and raising a family have all been part of this tapestry of abundance.
In the end, being truly rich means living in God’s abundance, loving deeply, and using every blessing to bless others. That is the life I pray for each of you.
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