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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