Money: The Seed of Opportunity or Destruction

As if the economic damage caused by the coronavirus pandemic wasn’t enough, a new and mysterious threat has emerged: unsolicited seeds being mailed in bulk to addresses across the United States, reportedly originating from China. No one knows exactly what these seeds might grow into, but one thing is clear—they were never ordered by the people receiving them. This strange phenomenon has caused concern and confusion, highlighting how unexpected risks can appear out of nowhere, just like in financial matters.

Money, in many ways, is like a seed. When nurtured and managed wisely, it has the potential to grow into something valuable and beneficial. If left unchecked or mismanaged, it can lead to serious destruction and loss. To illustrate this, consider the $104 billion spent on credit card interest in the United States in 2018 alone. That’s a 35% increase over just five years from 2013, signaling that poor money management is unfortunately on the rise, not decline.

To put it into perspective, one billion contains one thousand millions. So when Americans collectively pay $104 billion in credit card interest, that shows an enormous transfer of wealth—money that could have been used for savings, investments, or essential needs instead flowing directly to credit card companies. This is wealth drained from the pockets of everyday people who can least afford it.

The good news is that managing money well, including handling debt responsibly, can be incredibly rewarding. Unlike those mysterious seeds, whose final outcome is unknown and possibly harmful, wise money management almost always leads to better results. Conversely, poor financial choices tend to produce worse outcomes over time. The key is to treat your money like a seed—plant it carefully, nurture it with sound decisions, and watch it grow into something that strengthens your future.

Debt is not a dirty four-letter word, which many financial planners, gurus and entertainers would like you to believe it to be.  Yet if debt is not managed wisely it can steal the prosperity you were intended to enjoy.

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The foundation of economics rests on one principle: the Law of Scarcity. Scarcity refers to the simple reality that resources, goods, and services are limited, while human wants and needs are virtually unlimited. Because of this imbalance, scarcity becomes the driving force behind how value is assigned in the world around us.

In essence, the less available a particular resource or product is, the more valuable it becomes. This principle applies to everything—from natural resources like water and oil, to everyday items like food, clothing, and even time. When something is rare or difficult to obtain, people naturally place a higher value on it, which in turn influences prices, wages, and economic decisions.

This scarcity motivates individuals and societies to become more resourceful and productive. Knowing that valuable resources are finite encourages innovation, efficient use, and careful planning. It pushes businesses to develop new technologies and find better ways to satisfy needs with less waste. Ultimately, the Law of Scarcity shapes the entire economy by setting the stage for supply and demand, opportunity cost, and the choices we make every day.

When government, the Federal Reserve, credit card companies or even parents make it easy to acquire money, credit, housing, food, clothing, etc., seeds of destruction are sown.  Before long such policy creates an entitlement mentality which is counterproductive to fulfillment and happiness by making believe abundance can be attained by begging, stealing and killing others. (Listen to our recent podcast discussing the Federal Reserve with special guest Dr. Paul Cleveland a professor of economics)

Scarcity is an undeniable reality in this life. No matter how much we might wish otherwise, it is impossible to create even a single atom of gold or any other naturally occurring element on the periodic table. More intangible things, like peace, happiness, or longevity, are equally limited within the finite boundaries of our existence. We live in a closed system where resources and opportunities are restricted, and this truth shapes how we navigate life. It is only through diligent work, mutual respect for others, continuous education, and faith that we can overcome scarcity’s constraints and truly live life to its fullest potential.

Money and debt management, in many ways, are extensions of ourselves and our choices. How you handle your financial resources influences your overall sense of fulfillment and well-being. It’s important to note that fulfillment doesn’t necessarily come from having millions of dollars. Instead, it is more closely tied to how well you manage and steward the resources you have been given. Responsible money management fosters security, peace of mind, and opportunities that contribute to a fulfilling life.

Think of the analogy of planting seeds: some seeds produce no yield, others yield hundreds, and some thousands. The difference lies in the care and management of those seeds. If you water sparingly, neglect cultivation, and apply minimal fertilization, you cannot expect a bountiful harvest. Likewise, if the ground is not prepared properly before planting, weeds are left unchecked, and nurturing is absent, the crop is likely to be overrun by weeds rather than flourishing fruit. In the same way, managing your financial resources with care and intention determines the harvest you will reap in life.

The same is true in regards to money and debt management.  Without proper preparation, care and cultivation your financial harvest will be sparse compared to those who have put in the labor required to reap a rewarding harvest.

What kind of money and debt manager are you? Do you find yourself carrying revolving debt month after month, paying high interest rates that seem to grow faster than you can keep up with? Or do you rely on others—whether family, government programs, or credit—to provide your housing, food, clothing, and financial needs? If any of these describe your situation, it’s important to recognize how they can impact your overall happiness and sense of fulfillment.

Those who carry debt, especially at high interest rates, find themselves trapped in a cycle of financial stress and uncertainty. Relying on others for basic necessities may offer temporary relief but can leave your life feeling shallow and empty compared to those who take ownership of their financial well-being. True fulfillment comes from diligent work, maintaining mutual respect for others, pursuing necessary education, and exercising faith in yourself and your future. This foundation creates a life of independence and genuine satisfaction, far removed from dependence or entitlement.

It’s crucial to understand that Progressive Socialism, with its promises of easy handouts and government support, is nothing more than a deceitful trap designed to undermine human potential and destroy the fabric of personal responsibility. This ideology, born from a place of deep-rooted harm, can quietly rob you of the fruits of your labor and the pride that comes with self-reliance.

If you want to protect yourself from the consequences of this pervasive deception and build a life of true freedom and fulfillment, don’t hesitate to reach out. We’re here to help you avoid the lies, navigate away from the pitfalls, and experience the rewarding journey of enjoying the results of your own hard work and wise decisions. Your path to a fulfilling life starts with a single call.

Tomas P. McFie DC PhD

Tom McFie is the founder of McFie Insurance and co-host of the WealthTalks podcast which helps people keep more of the money they make, so they can have financial peace of mind. He has reviewed 1000s of whole life insurance policies and has practiced the Infinite Banking Concept for nearly 20 years, making him one of the foremost experts on achieving financial peace of mind. His latest book, A Biblical Guide to Personal Finance, can be purchased here.