Michele Rankin, MBA Financial Coaching

08/31/2026

Today’s devotional was so good! Take a listen. 💸

I also highly recommend Randy Alcorn‘s book, money, possessions, and eternity. 📕 

A Proper Place for Possessions
By Boyd Bailey

Possessions are not an end in themselves. If your motive is more stuff, that is not a healthy motive. If your security lies in what you have acquired and own, you are insecure. The goal of life is not to buy more stuff but to give away and share God's love with others.

Read more: wisdomhunters.com/a-proper-place-for-possessions

08/29/2026

One of the biggest sources of stress in people’s lives—including their spiritual lives—is money.💰

Our church is hosting a Financial Peace University class starting on Monday, September 14th at 6pm.

This is a nine-week class, taught by Dave Ramsey and his team of experts, where we’ll walk through biblical principles of how to handle money.

You’ll learn how to master a budget, pay off debt, invest for the future, and become a more generous giver.

This class is for anyone who wants to manage their money better and become a good steward of their money for God’s glory.

If you’re interested in joining the class, click the link in the comments and get signed up. If you have any questions, message me, or stop me at church. 💸

#💸 ❤️ ❤ #ᴡᴇᴀʟᴛʜʙᴜɪʟᴅɪɴɢ ‼️ #ｓｕｎｄａｙｖｉｂｅｓ

08/24/2026

Take control of your money with Financial Peace University! This nine-week class uses biblical wisdom and common sense to help you tackle budgeting, pay off debt, and invest for your future!

You can sign up here https://visitopendoor.churchcenter.com/registrations/events/3708494.

Class starts September 14th from 6-8pm.

08/19/2026

As Christ followers were called to trust the Lord with everything in our lives. Our marriages, our work… and our money. Our church is hosting Financial Peace University starting on Monday, September 14 from 6 to 8 PM, where we’ll walk through God‘s ways of handling money so we can become better stewards of His money for His glory.

Message me for a sign-up link today! 💸

08/17/2026

Our culture makes it so easy to feel stuck financially. Credit cards, car loans, money, stress… that’s not what God wants for us! That’s why our church is hosting a Financial Peace University class starting on Monday, September 14th from 6 to 8 PM. Together over a nine week series, we’ll walk through God’s ways of handling money so we can experience freedom with our finances!

Message me for a link! 💸

08/13/2026

The tortoise always wins! 🐢

Don’t get distracted when it comes to managing your money, stay focused and intentional. Don’t rush through financial decisions, take your time to weigh the impacts.

I know society tells you otherwise. You want to see your investments grow quicker, you want all the new things, but changing course now can be a financial killer.

Stick with your plan for the long-term. There’s something magical that’s happening with your mindset. Financial wisdom is wealth!

‼️ #ᴡᴇᴀʟᴛʜʙᴜɪʟᴅɪɴɢ

08/03/2026

So good! 💸

Generous Eyes
By Boyd Bailey

Your eye is like a lamp that provides light for your body. When your eye is healthy, your whole body is filled with light. The healthy eye is generous in seeking the ways of the Lord. It allows the light of His love and truth to enter the body, but a bad eye invites the darkness of sin, greed, and selfishness. Healthy eyes have an eye on a generous heart.

Read more: https://www.wisdomhunters.com/generous-eyes/

08/02/2026

Consider This: God created us to work, and we reflect His nature when we are diligent in our work.

The value of hard work was instilled in me at an early age. I watched both my parents work hard to put food on the table and a roof over our heads. They made sure that we did not want for the necessities, and managed the extra wisely. I saw their hard work and sacrifice, which carried over into my adult life through a good work ethic.

Learning this has helped me appreciate what Solomon said in Proverbs 10:4-5. "Lazy hands make for poverty, but diligent hands bring wealth. He who gathers crops in the summer is a prudent son, but he who sleeps during the harvest is a disgraceful son." I've worked hard, and God has blessed those efforts.

I believe God has a plan for you too. That plan includes a job, a career and a calling to do a specific type of work while you're here on this earth. Whatever that may be, your work matters to God.

There's another biblical principle in Proverbs 10:4-5: Working hard helps you plan for the future. Why? Because work creates opportunities for you to give more, earn more, save more and invest more money. The opposite is also true...being lazy and not doing your work diligently leads to poverty, literally having nothing to give or save. That's not good. In fact, Solomon said it was disgraceful.

So, do your work diligently, but don't lose sight of the truth that God is still sovereign and in control. He is your source of provision because He owns it all. While you work to provide for yourself and your family, remember that it's God who blesses your work and provides for your needs. 🙏

07/31/2026

Being upside down on your car loan is frustrating and can be downright scary. Not only are you continuing to lose money on the car as it depreciates (or loses value), but you also run the risk of missing payments and having your car repossessed.

The good news? There are steps you can take to get out from under it. Here’s what to do:
1. Calculate your negative equity = Remaining loan balance - Private sale value of your car.
2. Decide if you want to sell the car or pay off the loan. I can help you with this process.👇
- Sell the car and get a personal loan at a lower interest rate for the difference.
- Save cash to make up the negative equity difference then sell.
- Keep the car and pay off the loan early.
>Can you pay off your car in less than two years?
>Is the total value of all your vehicles less than half your annual income?
3. Pay off remaining debt! Now that you solved the car problem its time to get serious about the rest of your debt. Create that budget and get into a car that you can afford.

Mistakes are meant to be learning opportunties, don't miss this opportunity to learn and do better. 💸

07/30/2026

An emergency fund gives you peace of mind. According to Ramsey Solutions research, 48% of Americans say they wouldn’t be able to cover their expenses for 90 days if they lost their income—and 33% of them have no savings at all. That’s enough to keep anyone up at night. But you don’t have to live like that! Having money set aside, just in case, gives you so much peace of mind. I recommend 3-6 months of expenses in a fully funded emergency fund. Of course, this depends on your personal financial situation.

High yield savngs accounts (HYSA) are still an excellent place to stash your cash for emergencies. I know HYSAs have come down from their recent highs, but they are still a better option than a traditional savings account.

Here are some things to look for as you shop your HYSA:
💸 Shop competative rates
💸 Use a ligitamet banking institution backed by FDIC or NCUA
💸 Little to no fees
💸 No balance restrictions
💸 No transaction restrictions - Easily accessabile at all times

I have a couple accounts that have worked well for my clients, but I would like to hear what you use? Do you have an emergency fund established yet? I can help.