DESTINATION DECISIONS | Convo #4: Debt Or Investment?

A tiny shift in trajectory can change everything. We take that idea out of the abstract and make it practical by mapping every choice to a simple question: does this create debt I’ll pay later, or an investment that pays me later? From the way GPA decimals tilt scholarship offers to how entry-level jobs build a resilient work ethic, we connect money, character, and faith into one clear framework you can use with your family in meaningful, intentional conversations today.

We break down the “character economy” in plain language: selfishness, deception, impurity, and laziness accrue hidden interest that shows up as conflict, stress, and lost trust. Generosity, truthfulness, purity, and hard work compound like good savings—quietly at first, then powerfully over time. With Ephesians 5 guiding the conversation, we explore how wise living means making the most of every opportunity and considering where each step leads. Proverbs and Haggai echo the call to think about our paths, not just our moments.

You’ll hear practical prompts to spark conversations with kids and teens: how will this choice work out next week, next year, or twenty years from now? What habits are we planting that we actually want to harvest? We also highlight prayer as a high-yield investment that steadies our decisions and aligns our desires. By the end, you’ll have a simple, repeatable way to help your family evaluate decisions, adjust course, and aim for a destination marked by freedom, integrity, and peace.

You can find the devotion-driven discipleship guide that goes along with this episode at the Family Disciple Me app.

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The Family Disciple Me ministry exists to catalyze devotion driven discipleship in our homes and around the world. We believe that discipleship starts with a conversation, and FDM provides free, easily-accessible, biblical resources to encourage these meaningful conversations along life's way. Sign up through our website to be "the first to know" about upcoming releases and resources (including the FDM App - coming soon!!!) You can also follow Family Disciple Me on social media.

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