A personal letter from Bob to you,
as a co-traveler down the road to
Financial Freedom God’s Way

Greetings in Christ,

The Lord is calling Christian Financial Ministries (CFM) to prayerfully build and offer you several approaches to Financial Freedom God’s Way:

  • Financial Freedom God’s Way Online Academy
  • Crisis Financial Coaching
  • E-Coaching
  • Face Book
  • Twitter
  • Blog

Let me share with you just a bit more background

Since 1987 God has given Christian Financial Ministries and me the great pleasure and privilege to work with such godly men and organizations as Larry Burkett and Christian Financial Concepts, Howard Dayton and Crown Ministries/later Crown Financial Ministries, Dave Ramsey and his organization, as well as with a number of other godly folks and organizations. During all of this time the Lord was leading me to read, watch, listen, learn, apply, and pass along Bible-based spiritual and financial principles and applications.

Now the Lord is leading CFM to share every part of this ministry with you and others for FREE! Yes, you may receive any of our ministry services for absolutely no charge.!

Yes, we are a 501-c-3 non-profit ministry and we keep our overhead as low as possible. For example

  • CFM is debt free–we budget on a cash basis
  • In 2012 we sold our office building–no more building overhead
  • Right now each of us at CFM work from home offices
  • Our Ministry Leadership Team members serve on a volunteer basis. NOTE: the CFM Board of Directors has authorized me a salary and a housing allowance however my wife and I have chosen to defer those payments since 2013.

Ministry prayer and financial support

God is calling us to allow Him to support this ministry in one very traditional way and one very nontraditional and singularly unique way as well.

In the past we were very traditional.

  • CFM charged variable fees (based on income) for all of our ministry programs, services, and materials, and
  • Along the way we did have a few who regularly prayed for God’s work through this ministry

Going forward you will find us to be BOTH singularly unique AND traditional. 

  • If you are an Academy Phase 1, 2, 3 or 4 Academy Team Member you are here “for such a time as this” because others have prayed for you to be here and have paid the full cost for you to be here.  Therefore, for you to be part of the Academy we ask you to both PRAY IT FORWARD and DONATE IT FORWARD to help make it possible for others to follow you in the Academy.
    • First, please “Pray It Forward” to help bring others
      • Prayerfully commit to allow the Lord to work Bible-based spiritual and financial principles and applications into your personal life and finances.
      • Prayerfully commit to pass along those same Bible-based spiritual and financial principles and applications to others as the Lord brings those “others” to you.
      • Pray for your fellow Academy Team Members as part of your Academy Prayer Team (more information inside the Academy).
      • Pray that the Lord will bring to your heart specific individuals who He is calling to follow you down the Road to Financial Freedom God’s Way, then refer those folks to the Academy.
      • Pray for Christian Financial Ministries as the Lord directs.
    • Second, please “Donate It Forward” to help pay for others to come.
      • How often?  You will have access to Module 1 of the Phase I Seminar without being asked to “Donate It Forward”. Then, if you believe the Lord would have you continue into Module 2 of the Seminar, we will ask you to please make a “Donate It Forward” contribution to the Ministry Scholarship Fund–Module 2 will only open up for you if you prayerfully choose to “Donate It Forward” at the end of Module 1. You will have the same choice to Donate It Forward and continue at the end of each Module throughout the Seminar and throughout the rest of the Academy Phases. 
      • How much?  No donation is too small or too large.  We just ask that you donate something as the Lord and you decide best.
      • How?  All you need to do is to click the green “Donate Now” buttons on the “Review and Look Forward” pages inside the Academy OR click the “Funded By Families Like Yours” at the top of this and other of our website pages.  When you click on either location, you will go to a secure PayPal page where you may choose to donate using PayPal or your credit or debit card. You will be asked to signify at the bottom of your Academy Application that you prayerfully agree to commit to and support this Pray It Forward and Donate It Forward program.
  • If you are benefiting from E-Coaching, E-Books, Crisis Coaching, or “Ask Bob”
    • First, please “Pray it Forward”
      • Prayerfully commit to allow the Lord to work all He is giving you into your personal life and finances.
      • Prayerfully commit to pass along to others what the Lord is giving you.
      • Pray that the Lord will bring to your heart specific individuals who He knows will benefit from these ministry services–then refer those folks to CFM.
      • Pray for Christian Financial Ministries.
    • Second, please “Donate It Forward”.
      • How often?  You will have a chance to donate to the Scholarship Fund any time you choose.
      • How much? No donation is too small or too large.  Please prayerfully donate what the Lord and you decide is best
      • How? Please click on the “Funded By Families Like Yours” button at the top of every Ministry Web Page (upper right on this page). This will take you to a secure PayPal page where you may choose to donate using PayPal or your credit or debit card.

Please NOTE:  The Lord may have equipped you to provide some of the skill sets we need to build and administer Christian Financial Ministries and the Financial Freedom God’s Way Online Academy. Right now we need some help to edit the content of our Website and help administer our new Social Media program. If the Lord has given you either or both of these skill sets, and you would like to talk about about Donating these skill sets Forward, please let Bob know by email (b.louder@good-steward.org).

Please NOTE: According to a ‘”worldly perspective”, the perceived value of what you receive can be greatly influenced by the financial cost or the fee you pay. However the true value of what God will give you and others through you is based on an eternal perspective, and you know from God’s Word that things eternal can’t be sold or bought. Therefore, I will never ask you to donate a specific dollar amount. However, there is a significant dollar value associated with our ministry services. For example, here are the fees charged for some similar Dave Ramsey programs and services:

  • Financial Peace University: $100 per family
  • Coach Training Program: $2,000
  • In-house financial coaching: $100-$175 per hour 

In Summary

You will only be able to receive the benefit of all that the Lord has to offer you through this Ministry and Academy because someone (possibly several “someones”) Prayed It Forward and Donated It Forward.  I ask that you do the same for those who will follow you. In addition (and this is critically important) you are welcome to be part of the Academy Seminar and Workshop (Academy Phases 1 and 2) if the Lord equips you and leads you to give a lot or a little.  NOTE: Naturally all donations are fully tax-deductible.

Some folks say this approach to ministry won’t pay for our continuing development and operating expenses much less make it possible for our Coaches to earn an income. I disagree! Why do I disagree? Because I didn’t just dream all this up. I know this support approach is counter-intuitive to normal ministry operations and “best practices”. However, I sense this is exactly the approach the Lord would have you and me follow. Therefore, I continue to trust and believe that what seems impossible with man is possible with God.

Blessings,

bob-signature

Rev. Bob Louder, MBA, PhD
President
Christian Financial Ministries