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...

In this powerful Christmas Eve episode of Prosper in the Kingdom, Jon and Wendy introduce a transformative concept for kingdom-minded entrepreneurs and believers seeking financial freedom: the 3M Wealth Framework — Make, Manage, Multiply.

You’ll discover how this simple, biblical money strategy restores order to your finances and empowers you to move from financial frustration to peace, progress, and purpose. The episode debunks traditional financial strategies that overlook holistic stewardship and provides a practical roadmap rooted in kingdom values and biblical money management.

“God is a God of order. And for us to be good stewards, we must have order with our money.” – Wendy Lee

Whether you're navigating financial struggles, trying to find margin, or aiming to multiply wealth without market risk, this episode equips you with clarity and confidence to start building wealth God’s way.

1. Why most financial plans fail without proper money strategy
2. How to stop wasting energy on reactive decisions and start creating financial values based on clarity
3. The three foundational principles of the 3M Framework:
4. Make: Understand and increase your cash flow
5. Manage: Build margin and stewardship discipline
6. Multiply: Protect, grow, and invest with purpose
7. How to align your income with kingdom values wealth and prepare for a legacy of Christian financial strategy
8. Why simplicity and structure unlock momentum (and reduce stress)
9. Real-life client breakthroughs and biblical insights including Proverbs 22:7 and Luke 14:28

1. Financial success requires order. Clarity precedes breakthrough. You must make, manage, and multiply in tandem—not sequentially.
2. Margin enables movement. You can’t manage or multiply what doesn’t exist.
3. Multiplication requires stewardship. True growth comes after discipline—not before.
4. Christian values young adults and seasoned professionals alike can benefit from this framework.

1. kingdom values
2. christian financial strategy
3. money strategy
4. financial values

Are you ready to break free from the cycle of financial frustration and finally align your money with your mission? In this powerful year-end episode, John and Wendy unpack the 3M Wealth Framework—Make, Manage, Multiply—and walk you through three money moves that can radically shift your financial trajectory in 2026.

Whether you're living paycheck to paycheck or just not where you thought you'd be, this episode is your practical and faith-based roadmap to stop drifting and start prospering in the Kingdom. You’ll also hear raw, truth-filled encouragement on stewardship, biblical money management, and how to overcome financial struggles through intentional strategy.

You don’t have to be perfect. It’s about having clarity, momentum, and obedience.

• Why most financial goals fail and how to create kingdom-impact money strategy that lasts
• How to create margin by generating an extra $500–$1000/month (without sketchy side hustles)
• The secret to managing money without upgrading your lifestyle
• How debt quietly steals your future and generosity—and how to fight back biblically
• Ways to multiply your money through intentional wealth-building strategies
• The power of Christian financial strategy rooted in Proverbs 21:5 and Deuteronomy 8:18
• Why “good enough” is the enemy of God-given calling and purpose
• How to step into 2026 with a real plan—personally and professionally

• Proverbs 21:5 – “The plans of the diligent lead surely to abundance…”
• Proverbs 22:7 – “The borrower is slave to the lender.”
• Deuteronomy 8:18 – “God gives you the power to get wealth.”
• Ephesians 5:16 – “Redeem the time, for the days are evil.”

1. Make – Identify practical ways to increase income through side businesses or value-aligned opportunities.
2. Manage – Build a simple spending plan and eliminate high-interest debt to regain peace and purpose.
3. Multiply – Start investing intentionally with long-term, biblically-sound financial strategies.

🎯 Get your free financial roadmap: SafeMoneyRoadmap.com

📝 Join our book club or learn about the 3M Coaching Framework

🎧 Listen to related episodes on Christian financial strategies, value for money, and overcoming money fear

If this episode blessed you, share it with a friend who’s ready to steward their money with kingdom purpose.

Don’t forget to like, subscribe, and leave a review—every share helps grow this community of faith-driven entrepreneurs and purpose-led leaders.

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Want a FREE custom financial game plan?

Click here to schedule your session:

In this high-impact episode, Wendy Lee is joined by special guest Max Cleaver, a 25-year-old Gen Z entrepreneur and financial planner, to expose the top 5 money myths that are keeping young adults broke, frustrated, and stuck in survival mode. Together, they unpack common cultural lies around credit cards, lifestyle creep, and homeownership—and replace them with faith-filled truths, biblical principles, and practical tools for financial freedom.

Whether you're Gen Z, a parent, or just someone who wishes you’d known better sooner, this episode will challenge your mindset and equip you with timeless financial wisdom to build lasting wealth.

• The myth of lifestyle creep: Why earning more shouldn’t mean spending more—and how to use your income to build future assets instead.
• The truth about credit cards: Why even well-meaning “points chasers” often fall into debt traps and how to avoid the cycle.
• Debt ≠ Irresponsibility: Rising costs of living, tuition, and rent don’t define your character—and how to break free from shame and take control.
• Homeownership isn’t out of reach: Creative strategies to own property in your 20s or 30s (even with modest income).
• Why “figuring it out later” is costing you now: The irreplaceable advantage of starting young and the power of getting a financial roadmap early.

• Stewardship over shame: God calls us to be wise stewards—not to be ruled by regret.
• Discipline over lifestyle: Wealth comes by living below your means, not upgrading every paycheck.
• Start early, sow faithfully: “Whoever gathers little by little will increase it” (Proverbs 13:11).
• Time is your greatest asset: What you do now determines your future freedom.
• Wisdom brings confidence: “Plans fail for lack of counsel, but with many advisers they succeed” (Proverbs 15:22).

• Free Financial Plan: Ready to create a roadmap for your finances? Visit SafeMoneyRoadmap.com to request your free personalized plan.
• Recommended Reading: T. Harv Eker’s “Secrets of the Millionaire Mind” (referenced in episode—re: the money jars system).

“Start young. Be cool by getting your money right early—before you have to fix it later.” – Max Cleaver

If you’re in your 20s or 30s and feeling behind financially, don’t wait to ‘figure it out.’ Get ahead by getting wise.

Share this episode with a young adult you care about—and help them build wealth with purpose.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time.

Join our Facebook Group⁠ for exclusive financial tips

⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

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⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to...

Most families spend a lifetime building wealth—but never protect it. In this powerful episode of Prosper in the Kingdom, Jon and Wendy expose the one financial move that can make or break your legacy: estate planning. From wills and trusts to power of attorney and biblical stewardship, this conversation blends practical legal insight with Kingdom principles to help you build multi-generational wealth—God’s way.

If you’ve ever thought estate planning was just for the ultra-wealthy, think again. Whether you have a home, car, bank account—or just a heart to leave a legacy—this episode is for you.

In This Episode, You’ll Learn:

• Why estate planning is a Kingdom wealth move, not just a legal task
• The 4 documents every adult needs (regardless of income or age)
• How a family trust protects your legacy from probate and predators
• What the Bible really says about inheritance (Proverbs 13:22)
• Why Christians must think multi-generational in their finances
• How to protect your children—biological or spiritual—when you’re gone
• The biblical connection between order, wisdom, and legacy
• What wealthy families know about generational wealth that most Christians ignore
• Cost-effective ways to set up your estate plan—without breaking the bank
• 
  

Kingdom Takeaways:

• “If you have a bank account, a car, or a pet—you already have an estate.”
• “A will guarantees probate. A trust guarantees peace.”
• “God is a God of blessing—but also of order.”
• “The enemy doesn’t have to steal your wealth—he just has to confuse your family.”
• 
  

Scripture Referenced:

• Proverbs 13:22 – A good man leaves an inheritance to his children's children
• Deuteronomy 8:18 – God gives you the power to get wealth
• 1 Corinthians 14:40 – Let all things be done decently and in order
• 
  

Free Resources Mentioned:

• ✅ Get help with estate planning: ProsperInTheKingdom.com → Click “Legacy Planning”
• ✅ Download your free Kingdom financial plan: SafeMoneyRoadmap.com
• ✅ Book mentioned: What Would the Rockefellers Do?
• 
  

Next Step Challenge:

Take action today: Set up your power of attorney and living will. Talk to your family. Schedule a consult. Don’t wait for a crisis—lead with wisdom. Legacy starts with preparation.

Subscribe & Share the Kingdom Message:

Was this episode a wake-up call? Then it’s your turn to pass it on.

Share it with your small group, your family, or someone who hasn’t started their estate plan yet. Subscribe and review on Apple, Spotify, or YouTube to help spread Kingdom principles to families across the globe.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time.

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Wendy -...

In this episode of Prosper in the Kingdom, Jon and Wendy unpack a faith-fueled money strategy designed to unlock financial growth through biblical obedience. If you’ve been praying for financial breakthrough but not seeing results, this message is your wake-up call.

God’s blessings require your movement, and this episode explores how aligning your faith with action sets the stage for abundance in both your personal finances and your Kingdom impact. Whether you're building a business, stewarding your family finances, or trying to get unstuck, you'll walk away with a biblical money strategy you can apply immediately.

• Why faith without action isn’t a money strategy—it’s a delay (James 2:17)
• How the parable of the talents reveals God's expectation for financial stewardship
• What Peter's obedience in Luke 5 teaches about miraculous financial return
• The boy with the loaves: how small sacrifices fuel supernatural abundance
• Why your Kingdom calling is tied to your money habits
• How to identify and activate the money strategy God has already placed in your hands
• The mindset shift from “God owns 10%” to “God owns it all”

1. Assess what God has already given you (skills, time, ideas, resources).
2. Apply it — start small, but start. You can’t multiply what you never move.
3. Align your money strategy with Kingdom values: generosity, stewardship, obedience.
4. Access tools to help you grow: courses, mentorship, and community support.

“A Kingdom money strategy begins with stewardship and is fueled by obedience. You don’t wait for overflow—you move toward it.” — Jon Cleaver

• Safe Money Roadmap – Get Your Free Financial Plan
• 3M Wealth Framework – Earn & Learn Model with Master Resell Rights
• Work with PITK – Coaching & Kingdom Income Opportunities

If this message shifted your mindset or inspired action, please:

→ Like, review, and subscribe

→ Share with a faith-driven entrepreneur or Kingdom builder

→ Tag us and join the conversation on social media

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time.

Join our Facebook Group⁠ for exclusive financial tips

⁠Follow us on Instagram⁠ for daily money wisdom:

Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

⁠Visit ProsperInTheKingdom.com⁠ for past episodes and resources

Want a FREE custom financial game plan?

Click here to schedule your session:

Are you building someone else’s dream at the cost of your own freedom? In this eye-opening episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee uncover the financial and spiritual traps hidden in the traditional W-2 job model—and how to break free God’s way.

If you’ve ever felt stuck in the cycle of working hard, paying bills, and wondering if there’s more to life, this conversation is for you. Jon and Wendy share their own journey out of the “cubicle farm” and into Kingdom-purpose entrepreneurship, providing practical steps and biblical insight for building real, sustainable wealth.

• Why W-2 income is the most taxed and least leveraged form of income
• 
  
• How the Cashflow Quadrant reveals the difference between job security and financial freedom
• 
  
• The hidden cost of lifestyle creep and false security in salaried positions
• 
  
• The power of duplication through systems, people, and passive income streams
• 
  
• Why network marketing and low-barrier business models can be wise, biblical vehicles for wealth
• 
  
• How to launch a side hustle without quitting your day job
• 
  
• The role of faith, stewardship, and calling in true prosperity
• 
  

• Deuteronomy 8:18 – “God gives you the power to get wealth…”
• 
  
• Hosea 4:6 – “My people are destroyed for lack of knowledge.”
• 
  
• Matthew 25:14–30 – The Parable of the Talents: God rewards multiplication, not comfort
• 
  

If you’re only earning through your own effort and time, you’re not building freedom—you’re selling your time two weeks at a time. God created you for more than survival. He calls you to be a wise steward, to multiply what He’s given you, and to live in freedom that allows you to bless others.

• Keep your job—for now. But treat your side hustle like your freedom plan.
• 
  
• Find mentors. Seek those who’ve succeeded in faith-driven business.
• 
  
• Leverage systems. Don’t reinvent the wheel—plug into one that works.
• 
  
• Invest the surplus. Don’t eat the seed—sow it for growth.
• 
  
• Stay anchored in faith. Wealth is a tool for stewardship, not status.
• 
  

• 3M Wealth Academy – Learn a proven system to multiply money with purpose
• 
  
• Free Financial Plan – Visit SafeMoneyRoadmap.com
• 
  
• Money Split System – Watch our free YouTube video to learn how to manage income
• 
  
• Want help choosing a side hustle? Message us for our personally vetted opportunities
• 
  

“The real fear isn’t failure—it’s responsibility. But that responsibility unlocks something far more powerful than money: freedom.”

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Don’t forget to subscribe, rate, and share this episode with someone ready to stop surviving and start building. Head to ProsperInTheKingdom.com for more tools, teachings, and testimonies.

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