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Watch Nigeria > Blog > Personal Finance > The three Cash Dimensions
Personal Finance

The three Cash Dimensions

Last updated: December 22, 2025 5:10 pm
Terfa Ukende
7 days ago
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The three Cash Dimensions
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Contents
    • Most Christians wrestle with cash, not as a result of they lack self-discipline. They wrestle as a result of they’re making an attempt to be somebody they’re not.
    • The Acquirer sees cash as a scoreboard.
    • The Person views cash as gasoline for experiences and generosity.
    • The Supervisor loves spreadsheets and optimization.
  • I consider Biblical stewardship requires all three dimensions.
  • Once you develop all three dimensions, all the pieces transforms:
    • Your pure power is your place to begin, not your end line.
    • And God usually makes use of others to speed up your progress.
    • This week, establish your weakest dimension and decide to rising in it.
    • The objective isn’t to grow to be another person… however to grow to be the entire model of your self.

I used to suppose I used to be horrible with cash.

Each price range failed. Each monetary plan crashed.

I felt like I used to be always combating in opposition to myself.

Then I spotted one thing:

Most Christians wrestle with cash, not as a result of they lack self-discipline. They wrestle as a result of they’re making an attempt to be somebody they’re not.

Researchers (Dr. Eileen Gallo)* have found that we relate to cash by means of three distinct dimensions: Acquisition, Use, and Administration.

And most of the people develop just one.

The Acquirer sees cash as a scoreboard.

You get energized by wealth-building. However possibly you wrestle with having fun with what you’ve constructed or creating easy methods.

The Person views cash as gasoline for experiences and generosity.

You like spending. However possibly wealth-building feels overwhelming, and detailed planning makes your eyes glaze over.

The Supervisor loves spreadsheets and optimization.

You excel at group. However possibly progress methods intimidate you, and you’re feeling responsible each time you spend cash on your self.

Does any of this sound acquainted?

I consider Biblical stewardship requires all three dimensions.

  • The Acquirer displays the Parable of the Abilities (Matt 25), the place Jesus praised servants who multiplied what they got. God clearly expects us to develop assets, not bury them.
  • The Person embodies 1 Timothy 6:17, the place Paul reminds us that God “richly supplies us with all the pieces for our enjoyment.” Ecclesiastes 3:13 calls it “the reward of God” once we discover satisfaction in our work and luxuriate in what we’ve earned.
  • The Supervisor lives out Proverbs 27:23: “Know properly the situation of your flocks, and take note of your herds.” This isn’t only for shepherds—it’s God’s instruction for cautious stewardship of assets.

Biblical stewardship isn’t about staying in your consolation zone. It’s about changing into full.

Once you develop all three dimensions, all the pieces transforms:

Acquisition turns into sustainable as a result of administration prevents silly dangers.

Use turns into guilt-free as a result of acquisition ensures you’re rising quicker than spending.

Administration turns into purposeful since you’re optimizing for each progress and kingdom affect.

Your pure power is your place to begin, not your end line.

God designed you with sure wiring, however He’s calling you to develop past it. The objective isn’t to remain restricted—it’s to grow to be the entire steward He created you to be.

And God usually makes use of others to speed up your progress.

My spouse Linda is of course a Person.

By her, I discovered tips on how to take pleasure in cash with out guilt and provides extra generously. I’m naturally a Supervisor and Acquirer.

By me, she’s developed methods that deliver peace and techniques that construct wealth.

We each grew personally.

We each turned extra full.

This week, establish your weakest dimension and decide to rising in it.

As a result of your strongest dimension is a present from God, so you must leverage it.

However your weakest dimension is the place your greatest breakthrough is ready.

So the key isn’t suppressing your pure tendencies, nevertheless it’s creating the scale you’ve been avoiding.

  • Should you’re primarily an Acquirer, begin practising guilt-free enjoyment and implement one easy spending system (Real Money Method can be nice).
  • Should you’re primarily a Person, dedicate time to wealth-building methods (10x Investing can be nice) and create one primary group system.
  • Should you’re primarily a Supervisor, analysis progress methods and create “permission to spend” classes you’ll really use.

The objective isn’t to grow to be another person… however to grow to be the entire model of your self.

Once you develop all three dimensions—if you grow to be the entire steward God created you to be—one thing stunning occurs.

Cash stops being a supply of stress and turns into a device for kingdom affect.

And this isn’t about perfection. It’s about wholeness.

So begin the place you might be. Use what you’ve. Develop the place you’re weak.

God will meet you there, simply as He has met Linda and me by means of each step of our journey.

Your good friend and coach,

Bob sign

Sources: Whole Heart Finances by Dr. Shane Enete



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ByTerfa Ukende
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Terfa Ukende is a seasoned financial writer with over seven years of experience covering topics on finance, investment, and economic development. He began his writing career with NewsWay before joining Watch Nigeria, where he continues to educate readers on wealth building, market trends, and smart money management. He holds a Bachelor’s degree in Statistics and Computer Science, which strengthens his analytical approach to financial reporting and investment insights.
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