There is one common criticism of all Christian churches; “They just want my …” and I don’t need to finish the sentence. We all know. Instead of defending something wrong, we should admit that there are serious problems with money management, everywhere. Religious groups beg and most people don’t want to give. Jim and Tammy Bakker took money for their PTL ministry and spent it on an amusement park and an air-conditioned dog house. Oral Roberts said ‘send me a million dollars or God will take me home’ and he was paid by the owner of a dog racing park. We are all infected with wrong thinking about money. The best of us earn and save, and spend carefully, and the rest miss at least one of those points “earn – save – spend.” The formula is simple and it applies to everyone, you, me, and church leaders. It is simple, and it is fundamentally wrong.