Most people aspire to be rich in vain because they are ignorant of what it takes to be rich. If you count the number of years you have lived failing to break through, you probably have reached a conclusion that being rich is not one of your gifts and wealth is not your destiny.

Today, however, I would like to challenge that creating real wealth is God’s plan for you, but you always do things contrary to the requirements for success. Have you ever set to digress to why you are still not making it sustainably? Perhaps this may be your starting point.

In this article, I am going to lead you through a checklist that will assist you in discovering your gaps and how you can reform to be rich. Besides, there is a great misconception about the real meaning of being rich and many people define it in financial terms as having a lot of money, but this article goes deeper than money. Having a lot of money does not necessarily equate to richness because there are people with a lot of money but yet poor, and people defined by the world standards as poor but yet rich.

Checklist for true richness

1. Do you have a blessed person’s mindset?

Every success starts in the mind. The main reason many people are poor is that they do not configure their mindsets to be rich. They have self-limiting beliefs which keep them from thinking far and wide. Such people never look for or create opportunities, both within and outside their daily routine. Last year, I wrote an article many people found useful, why self-trust is the first secret of success. God created man in his own image and gave him dominion on earth and the power of creation. Throughout His word, God teaches man the wisdom to be creative and invest every little he gets, but poor people are not faithful with whatever they are given.

Evaluate yourself today. Are you not one of them? If yes, then you need to keep studying this article to get yourself on the right track. Let me begin by quoting what God has since been saying about the principles of investments and growth.

For natural development, invest everything you get faithfully

Matthew 25:29 NLT says, “To those who use well what they are given, even more will be given, and they will have an abundance. But from those who do nothing, even what little they have will be taken away.” 

This natural law is so clear. If you are given something (be it money, goods, talents or startup resources), do not use it unwisely as many people do, but invest for increase with time, otherwise, you will squander everything and realize no gain. Most rich people did not get overnight luck or inheritance but simply followed this principle.

Be faithful with little

For God to trust you with much, demonstrate that you are a master of everything He gave you dominion over, which include money. If you are a slave of money, lacking self-control to the extent that you spend every income you get or get into debt after spending more than you get or end up committing crimes to earn the extra money needed, then you need to repent and refrain from that to be rich.

Luke 16:10-11says, “Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.”

Always apply the seed planting principle

“Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously.” 2 Corinthians 9:6-8.

This scripture is also clear, you do not get good returns if you do not put to work the raw materials, which comes in the form of money, labour, effort or resources such as real seeds. If you spend all your income, where will you get the seed to invest? If your monthly budget is always higher or equal to your income, you are poor indeed, and in great need of financial discipline to be rich. I say this because if you lack a financial reserve to use in difficult times, one disaster is sufficient to make you desperate, borrow and join the circle of poverty.

Always be wise to plant the seed into good soil

I have seen many people who invest in worthless investments where they pump all their money and effort, only to get nothing at the end of the day. Every investment requires wisdom. God helps us to understand the principle of wise investment using the parable of the sower.

Mark 4:3-9  “Listen! A farmer went out to sow his seed. As he was scattering the seed, some fell along the path, and the birds came and ate it up. Some fell on rocky places, where it did not have much soil. It sprang up quickly, because the soil was shallow. But when the sun came up, the plants were scorched, and they withered because they had no root. Other seed fell among thorns, which grew up and choked the plants, so that they did not bear grain. Still other seed fell on good soil. It came up, grew and produced a crop, some multiplying thirty, some sixty, some a hundred times.”

Do only what you are good at

Proverbs 24:3-4 By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures.+

Do not copy what others are doing to be rich, but use faithfully your God-given talents because our maker created us differently. Master everything that will put you at an advantage compared to competitors. This principle makes sports players and business people millionaires. If you do things you have insufficient knowledge of, you risk failure unless you invest in getting the information necessary to deal with the different levels of related risks. If you can not explain your investment plan to someone else, so they can completely understand it too, you do not need to invest. Habakkuk 2:2 says, Write the vision; make it plain on tablets, so he may run who reads it.  Proverbs 21:5 says, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”

Diversify if you have multiple skills

Investing in multiple projects spreads your risk of total failure. Ecclesiastes 11:2 says, Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” So in short, do not put all your eggs in one basket.

Do not crave for overnight success

God teaches us to work one step at a time and grow naturally. This requires a lot of patience as you get to learn all the risk levels and how to deal with them, especially when you are rich. The reason people who get vast amounts of money (for example after winning a lottery) remain poor is the lack of money experience. They do not know what it takes to multiply the money, so end up spending it unwisely until debt comes their way. Proverbs 13:11 says, Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.

Follow wise instructions

I am sure you have since been getting excellent advice, but not putting value in it, even now you are getting excellent advice but will still choose no turnaround. Have you been putting to practice some of the best advice you once got? Whoever ignores instruction despises himself, but he who listens to reproof gains intelligence.”–Proverbs 15:32. Poverty and disgrace come to him who ignores instruction, but whoever heeds reproof is honoured.”–Proverbs 3:18. “Without counsel, plans fail, but with many advisers, they succeed.”–Proverbs 15:22.

Be kind and give freely to those in need

I have since mentioned that for completeness; it is God who determines your destiny. God made us in his image, so we can be like him. He is a giver, so we are supposed to give freely to those in need. Matthew 10:8 says, “… Freely you have received; freely give.” This act will please Him and make Him reward you with more than you give away. Hebrews 13:16 also say, “And do not forget to do good and to share with others, for with such sacrifices God is pleased. Proverbs 19:17 clearly says, “If you help the poor, you are lending to the Lord — and he will repay you!” Many people miss it here when they cannot prove mathematically how giving away will repay and add up to what remains in the account; God himself balanced spiritually the equation. Giving is a form of worshipping Him, who owns everything. Luke 6:38 says, “Give, and you will receive. Your gift will return to you in full—pressed down, shaken together to make room for more, running over, and poured into your lap. The amount you give will determine the amount you get back.” Deuteronomy 8:18 says “But you shall [earnestly] remember the Lord your God, for it is He Who gives you power to get wealth…”

Remember the lord when rich

The greatest mistake people make when successful is to forget the one who sits on the throne above, making them prosperous. People believe in their own wisdom, effort, or capacity and easily forget God in their journey. Who gave you the wisdom, health, energy, connections, time, and everything that made you prosper? Instead of worshipping God and doing the right things when blessed, you get exposed to fornication, adultery and all those sorts of filthy things. You love and believe in your money and assets more than God. In the end, you become boastful and arrogant, doing things that detest the lord. ”If riches increase, do not set your heart on them“, Psalm 62:10. If the Lord removes his anointing, you surely fall. Proverbs 11:28 says, “Those who trust in their riches will fall…” “Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions, Luke 12:15. This is the reason Jesus said in Matthew 19:24, “it is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God.” Proverbs 3:6 says, ”Seek his will in all you do, and he will show you which path to take.” Proverbs 22:4 also say,” Humility and the fear of the Lord brings riches, honour, and life.” 

2. Do you have a rich person’s habits?

Many studies about rich people revealed that they have certain attributes in common. Their daily habits and behaviour is one piece of evidence about their success story. They dream big and are determined to be successful. Rich people are self-motivated, creative, experimental, action-oriented, time conscious, courageous, persistent, patient, honest, and have financial discipline, just to mention but a few attributes. To learn more about these and other important attributes, consider studying these articles:

10 Attributes for success

Life-changing principles for every global citizen to escape poverty

Fundamental principles of success

Remember to do as the articles recommend because all hard work brings a profit, but mere talk leads only to poverty (Proverbs 14:23).

3. Are you satisfied with what you have?

The greediness of humanity is too difficult to satisfy because no amount of money or wealth suffices to make people fully satisfied. This follows from the laws of money, which say, expenses rise to meet income. “Whoever loves money never has enough; whoever loves wealth is never satisfied with their income… Ecclesiastes 5:10. To be rich and lacking nothing, you need to put all your trust in the Lord the provider, be rich inside and be content with what you have. This will make you richer than most greedy wealthy people on the planet.

If you equate richness to money only and make money your primary goal instead, 1 Timothy 6:9 outlines the outcome, “But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.” “For what, shall it profit a man, if he shall gain the whole world, and lose his own soul?” (Mark 8:36)

“But godliness with contentment is great gain, for we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content.” (1 Timothy 6:6-8)

No wonder why Matthew 6:33 only focuses on seeking God’s kingdom ad his righteousness as the top noble thing that yields the greatest gain, and I quote, “Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need.”

Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.” So we can confidently say, “The Lord is my helper; I will not fear; what can man do to me?” Hebrews 13:5-6


With millions of dollars; you can buy any food you want, but not the appetite, morden beds, but not sleep; medicine, but not health; fun, but not joy; acquaintances, but not friends; knowledge, but not wisdom; glitter, but not beauty; splendor, but not warmth, said a Norwegian poet Arne Garborg. This means money alone is insufficient to define richness, because, for completeness, it is God who balances the equation. Proverbs 10:22 “The blessing of the Lord makes a person rich and he adds no sorrow with it.” If God approves you to be rich, you do not necessarily sweat for it. Psalm 127:2 says, “It is useless for you to work so hard from early morning until late at night, anxiously working for food to eat; for God gives rest to his loved ones.”