In this episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee discuss the importance of understanding market risks and the necessity of protecting assets in financial growth strategies. They emphasize the need for a structured approach to wealth building that integrates protection against market volatility, tax strategies, and long-term growth planning. The conversation highlights the common fears surrounding investment losses and the hidden risks of low returns, urging listeners to adopt a more informed and proactive approach to their financial futures.

TAKEAWAYS

1. The faster you grow financially, the more exposed you become.
2. If your growth strategy collapses every time the market corrects, you don't have a wealth strategy.
3. Warren Buffett's rule: never lose money.
4. Prudent individuals see danger and take precautions with their finances.
5. Fear of loss often prevents people from investing their money effectively.
6. Market corrections can lead to significant losses in time and growth.
7. The average rate of return can be misleading, especially when losses occur.
8. Growth without protection is fragile and risky.
9. Integrating tax strategies with growth strategies is essential for long-term success.
10. A structured design in wealth building can lead to durable financial health.

TITLES

Navigating Financial Growth and Market Risks

The Essential Guide to Asset Protection

SOUND BITES

"Never lose money. Rule number one."

"Prudent sees danger and hides himself."

"Growth without protection is fragile."

Chapters

00:00 Introduction to Prosper in the Kingdom

01:02 Understanding Market Risks and Growth Strategies

04:27 The Importance of Asset Protection

07:19 The Fear of Loss and Market Corrections

10:52 The Hidden Risks of Low Returns

14:16 Integrating Tax Strategies with Growth Strategies

17:45 The Power of Structured Design in Wealth Building

20:58 Creating Durable Wealth Through Protection

23:21 Closing Thoughts and Call to Action

In this episode of Prosper in the Kingdom, Jon Cleaver and Wendy Lee challenge one of the most common financial mindsets in middle America: the belief that financial stability is the finish line.

Getting out of debt.

Building an emergency fund.

Finally feeling like you can breathe.

Those are important milestones—but they are not the ultimate goal.

Stability is earned. Leverage is chosen.

If you stop at “good enough,” time quietly starts working against you instead of for you. In this conversation, Jon and Wendy unpack the shift from financial survival mode to intentional wealth building through biblical stewardship, smart investing, and strategic financial planning.

If you’re a Christian entrepreneur, business owner, or professional who feels stable but not truly advancing toward financial freedom or legacy wealth, this episode is for you.

What You’ll Learn in This Episode:

• Why financial stability is not the same as financial success

• The hidden danger of “good enough” in your wealth-building journey

• How lifestyle creep sabotages long-term financial growth

• What financial leverage actually means (and what it doesn’t)

• The biblical foundation for investing and wealth multiplication

• How to move from maintenance mode to wealth acceleration

• Why time is your most valuable financial asset

• The difference between earning income and building legacy wealth

Key Financial Topics Covered:

Financial leverage

Wealth building strategies

Christian financial planning

Biblical stewardship

Multiple streams of income

Passive income and compounding

Debt elimination strategies

Intentional investing

Asset protection

Estate planning

Tax efficiency

Financial margin

Lifestyle inflation

Safe money strategies

From Stability to Leverage: 4 Practical Moves

If you’re currently financially stable, here are four intentional steps discussed in this episode to help you create leverage:

1. Assign your financial margin before your lifestyle consumes it.
2. Eliminate remaining financial drag, including high-interest debt or unnecessary expenses.
3. Gradually and consistently increase long-term investments.
4. Build your financial “money team” including tax advisors, investment professionals, and wealth planners.

Biblical Wisdom on Wealth and Planning:

Proverbs 21:5 — Careful planning leads to abundance.

Ecclesiastes 11:2 — Invest in multiple ventures.

Luke 14:28 — Count the cost before you build.

Psalm 112:3 — Wealth and riches are in his house, and his righteousness endures forever.

This episode emphasizes that wealth itself is not condemned in Scripture. Misalignment is. When built with integrity, structure, and intention, wealth becomes a tool for impact, generosity, and kingdom work.

Who This Episode Is For:

Entrepreneurs tired of financial plateaus

Christians seeking faith-based financial strategy

Families wanting to build long-term wealth

Professionals nearing retirement who feel behind

Anyone ready to move beyond financial maintenance

If nothing changes financially over the next three years, are you satisfied with that trajectory?

That question may be the most important takeaway from this episode.

Next Step:

If you want clarity on whether your financial system is positioned for leverage instead of just maintenance, start with a Safe Money Roadmap at safemoneyroadmap.com.

Connect with Prosper in the...

In this episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee unpack a hard truth many people miss: financial stress is rarely solved by making more money. Real financial stability comes from structure, clarity, and intentional stewardship—not temporary income boosts.

They explore why raises, bonuses, and windfalls often bring short-lived relief, how lifestyle creep quietly recreates pressure, and what actually changes when a financial plan replaces uncertainty. This conversation offers a grounded, faith-forward perspective on money that helps listeners understand what stability truly feels like and how to begin moving toward it.

• Why more income only treats financial stress temporarily

• How lifestyle creep recreates pressure even at higher income levels

• The emotional weight of financial uncertainty and background anxiety

• What changes when structure replaces reactionary money decisions

• Why financial pressure is emotional before it is numerical

• How emergency funds, cash flow clarity, and planning reduce panic

• The difference between financial calm and financial complacency

• Why avoiding your finances keeps you stuck longer than you realize

• How biblical stewardship reframes money as responsibility, not control

• What real financial stability feels like in everyday life

Financial stability doesn’t mean life stops throwing curveballs. It means those curveballs no longer derail your peace. When structure is in place, unexpected expenses don’t trigger panic, market fluctuations don’t hijack your emotions, and decisions slow down because there’s room to think.

Stability brings clarity. It replaces fear with confidence, reaction with intention, and anxiety with a sense of control. You still feel pressure at times—but it no longer runs the show.

Financial freedom isn’t about dramatic wealth or overnight success. It’s quieter than that. It feels like relief, confidence, and knowing one unexpected expense won’t collapse everything. Stability is built through consistent management, clear planning, and faithful stewardship—not just higher income.

Safe Money Roadmap

A free starting point designed to help you understand where financial pressure exists and how structure can reduce stress.

Visit: prosperinthekingdom.com

If this episode encouraged or challenged you, share it with someone who feels overwhelmed by money stress. Subscribe to Prosper in the Kingdom on Apple Podcasts, Spotify, and YouTube for weekly conversations on faith, finances, and practical wisdom.

Resources:

1. Financial Clarity Tool:⁠ SafeMoneyRoadmap.com⁠
2. More at:⁠ ProsperInTheKingdom.com

Subscribe, rate, and share this episode of Prosper in the Kingdom. Help us equip more believers to walk boldly in their calling—without compromise.

Join the Conversation:Have you felt spiritually distracted lately? What’s been pulling your focus off the mission? Share your story in the comments or tag us on social with your thoughts. Let’s grow together.

Stay Equipped for Purpose-Aligned Prosperity:Visit:⁠ ProsperInTheKingdom.com

Why do intelligent, disciplined people walk away from solid financial plans the moment life gets hard? In this episode of Prosper in the Kingdom, John Cleaver and Wendy Lee unpack the emotional, behavioral, and structural reasons financial plans break down under pressure. From job loss and income disruption to market volatility and unexpected expenses, this conversation explores why most plans don’t fail on paper, they fail under stress.

You’ll learn why financial decision-making becomes reactive in crisis, how short-term thinking undermines long-term wealth building, and what it takes to design a financial plan that can actually withstand real life. This episode introduces a durable, faith-centered framework for building financial stability, margin, and peace even when circumstances shift.

WHAT YOU'LL LEARN:

• Why emotional pressure causes people to abandon long-term financial plans

• How stress shifts financial thinking from long-term strategy to short-term survival

• Why most traditional financial plans are optimized for calm conditions, not disruption

• The difference between financial efficiency and financial durability

• How lack of margin leads to panic decisions like draining retirement accounts

• Why reacting to market headlines, crypto trends, or precious metals spikes can backfire

• How to build a financial plan that absorbs shocks without forcing drastic decisions

• The role of faith, trust, and stewardship in financial decision-making

• Why peace and stability, not just wealth, should be the goal of financial planning

EPISODE HIGHLIGHTS:

• Financial plans don’t usually fail because they’re bad, they fail because they weren’t built for pressure

• Stress causes smart people to prioritize immediate relief over long-term outcomes

• Without margin, emergencies force people to steal from their future selves

• Durable financial plans assume disruption and plan for it

• True financial success feels quieter, calmer, and less reactive

• Chasing wealth is often really about reducing fragility and stress

FAITH AND MONEY INSIGHT:

Financial planning isn’t just about numbers. It’s about trust, stewardship, and resisting fear-based decisions when pressure hits. This episode challenges listeners to build plans that align with biblical wisdom, long-term thinking, and peace rather than panic.

WHAT"S NEXT:

If this episode helped you rethink how you approach financial planning, subscribe to Prosper in the Kingdom, leave a review, and share it with someone navigating financial pressure right now. For tools and next steps, visit prosperinthekingdom.com.

If you want, I can also:

• Tighten this for Apple Podcasts character limits

• Create a YouTube-optimized description version

• Pull SEO title tags and meta descriptions

• Generate social captions or episode clips text

Just tell me where it’s going next.

Resources:

1. Financial Clarity Tool:⁠ SafeMoneyRoadmap.com⁠
2. More at:⁠ ProsperInTheKingdom.com

Subscribe, rate, and share this episode of Prosper in the Kingdom. Help us equip more believers to walk boldly in their calling—without compromise.

Join the Conversation:Have you felt spiritually distracted lately? What’s been pulling your focus off the mission? Share your story in the comments or tag us on social with your thoughts. Let’s grow...

Most people don’t fail financially because of bad investments — they fail because they lack structure. In this episode of Prosper in the Kingdom, Jon Cleaver and Wendy Lee unpack the 3M Framework (Make, Manage, Multiply) and explain why financial chaos — not poor decisions — is what keeps most people stuck. They challenge the “one step at a time” money approach, reveal how time is your most valuable financial asset, and show why building wealth requires structure, systems, and simultaneous action. If you’ve ever felt like you’re working hard but not getting ahead, this episode offers a clearer, calmer, and more biblical way to think about your money.

1. Most people don’t lose money — they lose structure.

1. Financial failure is rarely about one bad decision.
2. It’s usually about a lack of an organized system that aligns income, spending, saving, and investing.

2. “Make more, spend less, invest the rest” isn’t a plan.

1. It’s a concept, not a structure.
2. Without a system, even good financial knowledge won’t produce results.

3. Good decisions don’t compound in chaos.

1. You can make smart money moves and still feel stuck if your financial life is disorganized.
2. Structure creates momentum; chaos kills it.

4. The 3M Framework: Make, Manage, Multiply.

1. Make = increasing income and creating margin.
2. Manage = directing your money with clarity and control.
3. Multiply = investing and compounding wealth over time.
4. All three must operate together — not sequentially.

5. Waiting to invest costs you more than you think.

1. Time is more valuable than money when it comes to wealth building.
2. The “step-by-step” approach (debt first, investing later) often wastes years of compounding growth.

6. The Rule of 72 explains why time matters.

1. Divide 72 by your rate of return to estimate how long it takes your money to double.
2. At 1% (typical bank savings), your money doubles in ~72 years — which is why banks love holding your cash.

7. Emotion vs. Structure in money decisions.

1. Without a system, emotions tend to drive spending and investing.
2. With structure, the numbers make decisions easier and less stressful.

8. Financial peace is a sign your system is working.

1. When money no longer controls you, you experience clarity, calm, and...

In this powerful episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee dive into the final phase of the 3M Wealth Framework: Multiply. If you’ve been wondering how to truly grow wealth God’s way—without chasing hype or falling into get-rich-quick traps—this conversation is your roadmap.

Too many believers try to skip straight to multiplication without first establishing the structure required to sustain it. But Kingdom wealth isn't built on speculation—it’s built on stewardship, strategy, and sustainability.

Jon and Wendy unpack:

1. Why "multiplication" must follow “make” and “manage” phases
2. The danger of chasing crypto, day trading, and overnight wins without a solid plan
3. The biblical foundation for wealth-building (hint: Psalm 112:3 and Proverbs 13:22)
4. The role of liquidity, long-term investing, and asset protection
5. How wealth built God’s way is peaceful, boring… and powerful
6. Why compounding isn’t just math—it’s spiritual discipline
7. How misalignment (not money) is what Scripture warns against
8. The myth of waiting for perfection—why the Multiply phase should start early and small

This episode is packed with biblical truth, practical strategy, and the gentle conviction you need to align your financial future with God’s timing and design.

Featured Scriptures:

1. Psalm 112:3 — “Wealth and riches are in his house, and his righteousness endures forever.”
2. Proverbs 13:22 — “A good man leaves an inheritance to his children’s children.”
3. Deuteronomy 8:18 — “...for it is he who gives you the power to get wealth...”

Resources & Links:

1. Register for the January Masterclass on Estate Planning
2. Get your custom Safe Money Roadmap — Discover where you are in the 3M Framework and what steps to take next

Key Takeaway:

“Multiply is not about chasing returns—it’s about stewardship expressed over time, not speed.”

Ready to Multiply Your Wealth—God’s Way?

This episode is for you if:

1. You’re tired of financial instability
2. You want a biblically grounded approach to building lasting wealth
3. You're ready to take consistent, small steps toward financial freedom and...

In this powerful start-to-2026 episode, Jon Cleaver and Wendy Lee unpack the Manage Phase of the 3M Wealth Framework — and why cash flow, not income, is the real king when it comes to financial peace, stability, and long-term wealth.

This conversation goes far beyond budgeting. It dives into Christian financial strategy, money management, building wealth with biblical values, and the emotional and spiritual impact of how we handle money. Whether you’re an entrepreneur, small business owner, or navigating personal finance, this episode shows you how to move from financial stress to clarity, confidence, and Kingdom impact.

If you’ve ever said, “I make good money… so why do I still feel broke?” — this episode is for you.

1. The dangerous myth: “If I just made more money, I’d finally feel in control.”
2. Why many high earners still struggle with financial stress and money anxiety
3. The difference between income and cash flow

The Manage Phase is where most people either:

✔️ Gain control of their money

❌ Or quietly lose it

You’ll learn how proper money management:

1. Stabilizes your financial life
2. Protects the progress you’re making
3. Creates true financial freedom and peace

This episode weaves together biblical money management with real-world financial strategy:

“We are not the owners — God is the owner. We are the managers.” — Jon Cleaver

Scriptures referenced include:

1. Proverbs 27:23 – Knowing the condition of your “flocks”
2. Psalm 128 – Enjoying the fruit of your labor

You’ll discover how stewardship, not restriction, becomes the foundation of Kingdom wealth.

If you’re an entrepreneur or small business owner, this section hits home:

1. Why fluctuating income destroys confidence when cash flow isn’t managed
2. How unmanaged debt becomes “invisible chains”
3. The emotional side of financial struggles no one talks about
4. Why management brings clarity, power, and peace

You’ll learn how:

1. Cash flow determines your resilience

If you’ve been working hard, doing “all the right things,” and still feel financially stuck — this episode will finally explain why.

In this powerful conversation, Jon Cleaver and Wendy Lee break down The Make Phase of the 3M Wealth Framework (Make, Manage, Multiply) and reveal why income — and the margin it creates — determines everything else in your financial life. They dismantle the myth that budgeting alone can fix an income problem and show how building margin, increasing cash flow, and creating financial breathing room is the foundation for lasting wealth, peace, and stewardship.

This episode is packed with practical strategies, biblical wisdom, and clear direction for anyone who wants to stop living paycheck-to-paycheck and start building wealth with intention.

Many disciplined, hardworking people still feel trapped financially — not because they are irresponsible, but because they lack margin. You cannot spreadsheet your way out of insufficiency. Without margin, even good financial advice becomes exhausting instead of empowering

Your income is the fuel behind every financial decision you make. Without adequate income and margin:

1. You can’t accelerate debt reduction
2. You can’t increase investing
3. You can’t reduce financial stress
4. You can’t build stability or generosity

That’s why the Make Phase must be emphasized early — not from greed, but from wisdom

Delaying financial growth costs you:

1. Compounding
2. Momentum
3. Confidence

Waiting to “fix debt first” or “start later” robs you of time — the most valuable asset in wealth building

Rather than fixing one area at a time, Jon and Wendy teach how to work all three phases together:

1. Make: Increase income and create margin
2. Manage: Control spending, reduce debt, build stability
3. Multiply: Invest consistently — even if the amounts start small

The weighting shifts over time, but all three run concurrently so no years are wasted

Extra income should never create new bondage.

Instead, it should:

1. Reduce obligations
2. Build emergency reserves
3. Create financial stability
4. Fund investing and long-term growth

As income increases, management becomes more important — not...