Fruit ripens slowly. Would you rather eat a vine-ripened tomato or one that has been picked green and then gassed to turn it red? There’s no comparison between a vine-ripened tomato, which was allowed to grow slowly, and a tomato that was picked prematurely. If you pick too soon, you miss the flavor.

In money management, you always reap in a different season than you sow. And by the way, not all fruit ripens at the same time. When you grow peaches, they’re not all ripe at once. They come in little by little; you pick a few a day. When you start planting and following God’s money management principles, you’re not going to get a windfall tomorrow. It’s going to come in over time. You’re going to have to wait to reap in a different season.

But while you’re waiting, God is working. When you’re waiting for the fulfillment of the efforts or money or energy that you’ve put into something, you may think nothing’s happening.

Oh, it’s happening! While that seed is hidden in the ground, it is slowly germinating. And when that seed bursts with God’s blessing on it, it will continue growing and growing. One day a little shoot will stick up out of the ground, and then you will see that it’s working.

But until then, you need to trust that God is working — even when you can’t see the fruit of your labor.

Plants take time to grow. There’s no such thing as instant maturity. No farmer goes out, plants the seed in the ground, comes back an hour later, digs it up, and expects it to have grown. You’ve just got to let it be. Leave it covered, and let God grow it in his time.

Galatians 6:9 says, “Let’s not get tired of doing what is good. At just the right time we will reap a harvest of blessing if we don’t give up” (NLT).

Everything in life starts as a seed: a relationship, a marriage, a business, a church. And nothing happens until the seed is planted.

Why does God require us to plant a seed? Because planting is an act of faith. You take what you’ve got, and you give it away. That takes an act of faith! And it brings glory to God.

Jesus described this principle of sowing and reaping when he was trying to explain why he came to Earth to die on the cross. In John 12:24 Jesus said, “Unless a kernel of wheat falls to the ground and dies, it remains only a single seed. But if it dies, it produces many seeds” (NIV). Jesus was saying, “People will be saved and go to heaven because of my death and Resurrection. I’m going to plant a seed, and the seed is going to be my life.”

Here’s the principle of sowing and reaping: Whenever you have a need, you plant a seed. Whatever it is you need — more time, more energy, more money, more support, more relationships, more wisdom — just plant a seed. If you need more time, give more time to your kids. If you need more money, give it away to someone who needs it. If you need more wisdom, share what wisdom you have with others. Give yourself away!

It may not make sense to you to give away something that you need more of, but that is exactly the kind of attitude that God wants to bless and that will produce fruit in your life. When you have a need, don’t gripe about it, don’t wish about it, and you don’t even have to pray about it — just plant a seed!

Never judge your self-worth by your net worth. Never think your value is related to your valuables. Realize that the greatest things in life aren’t things. You didn’t bring anything into the world, and you’re not taking anything out of it. Life is not about acquisition or achievement. Life is about relationship and learning how to love God and other people.

The best way to remember that your life is not about things is to build your life on eternal priorities. Focus on what will last forever. Every possession is temporary, so don’t build your life on acquiring possessions. Only two things are going to last forever: the Word of God and people.

You’ve got a choice to make. The world is telling you that you’ve got to get more to be happier, more successful, more important, more valuable, and more secure. You’ve got to decide if you’re going to listen to Madison Avenue or the Master. Are you going to listen to culture or Christ? Are you going to listen to the world or the Word?

One will make you dissatisfied the rest of your life; one will make you truly happy. Before you can move toward financial freedom, you have to ask yourself, “What is the primary purpose of my life? To just get more? What do I think about, talk about, and give my most to? What am I living my life for?”

There was a famous millionaire in Orange County who took her own life many years ago. At the funeral somebody said, “I don’t understand it. She had so much to live for.” I thought, “No. She had so much to live on. She had nothing to live for.”

You may have a lot to live on, but do you have anything to live for? Do you have a relationship with God? The myth of the world is that you can have it all. The truth is that you can’t have it all. And more importantly, you don’t need it all to be happy. You’re as happy as you choose to be.

The secret of contentment is finding your security and your satisfaction not in what you have but in whose you are. You find it in Christ.

Psalm 17:15 says, “But as for me, my contentment is not in wealth but in seeing you and knowing all is well between us. And when I awake in heaven, I will be fully satisfied, for I will see you face-to-face” (TLB).