Money & Finance

Module 3 · Lesson

Debt, Risk, and Wisdom

Proverbs 22:7 / Romans 13:8 4 min

The rich rule over the poor, and the borrower is slave to the lender.

Proverbs 22:7 / Romans 13:8

Scripture doesn't categorically prohibit debt — but it treats it with serious caution. The word slave is not hyperbole. Debt limits your options, constrains your generosity, and transfers control of your decisions to creditors.

A business with high debt must prioritize debt service over opportunity. It can't afford to take the right risk, serve the right client, or wait for the right moment.

The biblical wisdom is not never borrow — it's borrow with extreme caution, pay back with extreme urgency, and never let debt become a default strategy.

Faith is not a substitute for financial discipline. God honors the entrepreneur who plans carefully as much as the one who prays fervently.

This week

List every business debt or obligation you carry. Assign a payoff target date to each one.