I am excited to share something that has been quietly growing in my heart for many years. After months of writing, rewriting, praying, reflecting on our family story, and gathering the lessons the Lord has taught me as a father and grandfather, my next book is finally done. Blue Chip: Raising Financially Smart Kids has now entered the editing stage. Once editing is finished, it moves to layout, then to the printer. God willing, you can expect it to be available toward the end of the first quarter of 2026.

Writing this book has been one of the most personal projects of my life. It is not simply a book about money. It is a book about parenting. It is a book about faith. It is a book about legacy. And more than anything, it is a book about the grace of God that transformed our home and shaped the lives of our children.

When I first became a father, I did not have a deep understanding of stewardship. My early decisions were shaped by pressure, culture, and emotion. But when I met Jesus at forty, everything changed. The Word of God reshaped my thinking. Little by little, our family learned what it means to manage God’s resources, make wise decisions, build habits, and raise children who understand both discipline and dependence on God.

This book comes from that journey. It is filled with stories of laughter, mistakes, breakthroughs, and the conversations that shaped our children into the adults they are today. It is filled with lessons that Mia and I learned the hard way, hoping that other parents can learn them the easier way. It is filled with practical tools for parents who want to raise children who are not consumed by the culture but guided by wisdom.

More importantly, this book is filled with hope. Parenting can be overwhelming. Teaching kids about money can be confusing. But the good news is this: you do not need to be a financial expert to raise financially wise children. You only need to be faithful, intentional, loving, and willing to grow with your kids.

Scripture reminds us in Proverbs 22:6, “Train up a child in the way he should go, and when he is old he will not depart from it.” This truth has shaped our family. You do not shape your children’s future in one moment, but over many small, intentional ones. Every conversation, every example, every decision becomes a seed.

And God is faithful to grow the seeds we plant.

Blue Chip teaches parents how to guide children toward wisdom in a world filled with distractions. It covers values, habits, conversations, discipline, generosity, stewardship, and the gospel that anchors everything. It is my prayer that this book becomes a companion for families who want to raise children who will carry faith, wisdom, and strong foundations into the next generation.

As we prepare the manuscript for layout and printing, my heart is full of gratitude. I pray it encourages, equips, and strengthens you as a parent. I pray it reminds you that it is never too early to teach wisdom and never too late to build legacy. And I pray it gives you confidence that God can do extraordinary things in your home.

Psalm 127:3 says, “Children are a heritage from the Lord.” That means they are a trust, a gift, and a calling. And by His grace, we can raise them well.

Thank you for journeying with me. I cannot wait to place this book in your hands soon.

Over the years, I’ve seen many ideas and movements rise in the financial and spiritual world. One that continues to resurface is the idea of “wealth attraction”—often packaged in prosperity gospel messages or law of attraction teachings. Let me be blunt: this is both foolish and unbiblical.

1. The Trap of Materialism

The Bible warns us repeatedly about the dangers of loving money. Jesus said it clearly: “You cannot serve both God and money” (Matthew 6:24). The more we chase wealth for wealth’s sake, the more we fall into greed, idolatry, and self-centeredness. Paul reminded Timothy that “the love of money is a root of all kinds of evils” (1 Timothy 6:10). Wealth pursued apart from God easily becomes a master that enslaves rather than a tool that blesses.

2. Contrary to Biblical Living

Wealth attraction teaches that you can “manifest” riches if you think positively enough, or worse—if you give with the expectation of receiving more in return. But biblical living is marked by contentment, humility, and trust in God’s provision. Paul, who knew both plenty and hunger, declared: “I have learned in whatever situation I am to be content” (Philippians 4:11–13). Our true treasure is not here on earth, but stored in heaven (Matthew 6:19–21).

3. Ignoring God’s Sovereignty

The very heart of wealth attraction is the idea that we control outcomes through our own energy or belief. But Scripture says otherwise: “You do not know what tomorrow will bring… Instead you ought to say, ‘If the Lord wills, we will live and do this or that’” (James 4:13–16). God is sovereign over wealth, timing, and provision. To think we can manipulate Him with formulas or mental tricks is arrogance, not faith.

4. Twisting Scripture

Some proponents even misuse verses like “Ask, and it will be given to you” (Matthew 7:7) or “Give, and it will be given to you” (Luke 6:38) as blank checks for financial blessing. But when read in context, these passages speak about God’s generosity, spiritual growth, and the heart of giving—not a divine ATM for our desires.

At the end of the day, wealth is not evil in itself—but our posture toward it matters. The Bible tells us that it is the Lord who gives us the ability to produce wealth (Deuteronomy 8:18). That wealth is never for our own glory but for His purposes.

So let’s be reminded: wealth is a tool, not a god. It is meant to serve God and bless others, not to fuel our greed. Chasing wealth attraction is chasing the wind.

True prosperity is found in living for Christ and stewarding whatever He entrusts to us with faithfulness.

“A man’s life does not consist in the abundance of his possessions.”
— Luke 12:15 (ESV)

The Word

After nearly four decades in the financial industry, I’ve seen markets boom and crash, fortunes built and lost, and “sure” investments turn sour overnight. If there’s one thing experience has taught me, it’s this: the best investments are the ones we carry through eternity.

History itself backs this up. The once-mighty empires of Rome, Greece, and Egypt—all reduced to ruins. Their palaces and treasures, once the envy of the world, now serve as tourist attractions and history lessons. Even in our own time, we’ve seen governments collapse, corporations fold, and wealth evaporate in a single market downturn. Power, politics, and possessions can never provide the security we crave.

Yet, human nature pushes us to keep pouring into temporary things—houses, cars, businesses, gadgets, and portfolios. We insure them, protect them, and obsess over them. Don’t get me wrong—I advocate wise financial planning and responsible stewardship. But if we invest only in what fades, we’re setting ourselves up for disappointment.

Jesus told us the story of the rich fool who built bigger barns to store his wealth, only to lose it all in a night (Luke 12:16–21). It’s a sobering reminder that eternity can interrupt time without warning. And when that moment comes, all that we valued so highly here may suddenly count for nothing.

The Deed

So let me ask you: Where are you investing your life? Is it all about comfort, security, and status for a few decades? Or are you aligning your time, treasure, and talent toward what will last forever?

The tragedy is that millions will one day realize they spent everything on what doesn’t matter and neglected the one investment that does: being “rich toward God” (Luke 12:21). That’s the only return that pays eternal dividends.

As a personal finance advocate, I’ll always encourage saving, investing, and planning wisely. But true stewardship is bigger than pesos and possessions. It means using what God has entrusted to us for His purposes and His kingdom. Stocks, bonds, real estate—they can be good. But they are temporary. Kingdom investments—lives touched, souls saved, gospel proclaimed—those are eternal.

So take the long view. Not just ten years, not just retirement, but eternity. Every peso, every decision, every effort—make it count for the kingdom. Because at the end of the day, the only investments that matter are the ones we carry with us into forever.