Debt on the Rock

Debt on the Rock — Choices That Shape Your Life

Start with Clarity, Not Pressure

Before any financial or career decision. Debt on the Rock the first step is understanding what you and your family truly want. A better job. Independence. Stability. Time. Peace. These goals matter — and they should not be dictated by the crowd.

This is your life. You are responsible for what you build on it.

This Is About God’s Approval, Not Human Approval

📖 Galatians 1:10 (NIV)
“Am I now trying to win the approval of human beings, or of God? … If I were still trying to please people, I would not be a servant of Christ.”

Choosing a different path often invites opinions. Faith requires the courage to move forward anyway.

Some Choices Are Easier — Others Are Harder

Not everyone starts in the same place. Building on the rock looks different depending on where you are in life.

If You Are Younger or Have Fewer Commitments

• Start small and stay disciplined

• Take on manageable loans you can pay off quickly

• Learn from experts in the field you want to enter

• Be open to discovering new or better opportunities

You are not behind. You are a blank slate — and that applies to everyone at some point.

If You Are Older or Carry More Responsibility

Experience is not a disadvantage — it is a valuable resource.

If debt or commitments feel heavy, consider:

1. Loan consolidation

2. Interest-free balance transfer cards

3. Reviewing 401(k) or stock plans for strategic payoff of major debts (home, vehicles)

Always consult a qualified financial advisor before making major decisions.

Considering Self-Employment – Debt on the Rock

If independence or self-employment is your goal:

• Build a relationship with the Small Business Administration (SBA)

• Take advantage of free online courses

• Learn how grants, loans, and partnerships work

• Build trust with advisors and professionals who can help now or later

Preparation builds confidence. Knowledge reduces risk.

A Blank Canvas — Build with Purpose – Debt on the Rock

Your life is a blank canvas. Every decision adds to the picture. Some strokes are small. Others are bold. What matters is that the foundation holds.

God is not distant from these decisions. He cares about your family, your work, and your future.

Building on the rock means choosing wisdom over pressure, truth over approval, and stability over speed.

Final Reflection

That is not about comparison.
It’s not about perfection.
This is about building something that lasts.

Choose carefully.
Start small if needed.
And build on the rock.