7 Ways To Guarantee Financial Failure Or Overcome It

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When God gave me the title and points for this teaching. . .my first reaction was to say. . .REALLY

I’m being truthful. . .I’ve taught on each of these seven ways to guarantee financial failure before. . .some more than once.

As I was wondering why. . .God very clearly spoke into my spirit and said, “Teach it until my children get it.”

Immediately He brought Philippians 3:1 in the Amplified Bible to my remembrance.

“For the rest, my brethren, delight yourselves in the Lord and continue to rejoice that you are in Him. To keep writing to you [over and over] of the same things is not irksome to me, and it is [a precaution] for your safety.”

If I’m anything. . . I determine to be obedientto His instructions.  Here are the seven ways to guarantee financial failure . . .  or maybe better said… escaping financial failure by doing the opposite.

1.      Wrong Attitude

The problem with the wrong attitude is that it’s manifested through the words of our mouths.

When words are spoken. . .they take on a life of their own.  Words created by a wrong attitude stymie potential. . .short-circuit dreams and goals. . .ensure failure in this life and embarrassment as you enter the life beyond.

Your words have the power to determine your destiny. . .good or bad.

Proverbs 13:3 in the New Living Translation says:

“Those who control their tongue will have a long life; opening your mouth can ruin everything.”

If you want to have the right attitude then you need to control the words coming out of your mouth.

Here’s a 1-2-3 scriptural progression for the right words to come out of your mouth and into your life.

First, Romans 12:2 in the New Living Translation says:

“Let God transform you into a new person by changing the way you think.”

Second, Philippians 2:5 in the New Living Translation says:

“You must have the same attitude that Christ Jesus had.”

Third, Luke 6:45 says:

“A good man out of the good treasure of his heart bringeth forth that which is good; and an evil man out of the evil treasure of his heart bringeth forth that which is evil: for of the abundance of the heart his mouth speaketh.”

And there are so many more…

“Out of the abundance of the heart … the mouth speaks”   Matthew 12:34

“Death and life are in the power of the tongue…”   Proverbs 18:21

“… you can have whatsoever you say …”   Mark 11:23


Tomorrow. . .from the time you awake until you pillow your head. . .I want you to make a list of all the things you say which reflect a positive and/or a negative attitude.  Once you’ve completed this assignment review your words and ask God to help you change any negative ways as quickly as possible.

2.      Lack of Action

A failure to act. . .is an action that is sure to fail.

You make a decision to fail. . .when you allow fear to prevent you from stepping out of your comfort zone or from taking a step of faith.

Faith destroys fear. . .crushes doubt. . .conquers the unknown. . .inspires others. . .and makes you victorious in all your hands find to do.

If you want to do more than you’ve done. . .be more than you’ve been. . .then you need to take a risk if it lines up with His Word.

God’s Word tells us what to do. . .if we take a risk and fail to succeed.

Proverbs 24:16 in the New Living Translation says:

“The godly may trip seven times, but they will get up again.  But one disaster is enough to overthrow the wicked.”

I’ve found that scripturally directed action. . .even with a risk. . .produces successful results.  Sometimes those results are immediate other times they’re progressive. . .as a result of the actions taken.

Taking action is your duty.

Ezra 10:4 in God’s WORD Translation says:

“Get up! It’s your duty to take action. We are with you, so be strong and take action.”

You’ll never be a spectator in the game of life. . .if you know His will.

Daniel 11:32 in God’s WORD Translation says:

“With flattery he will corrupt those who abandon the promise. But the people who know their God will be strong and take action.”

We’re to take action. . .not just talk about it.

1 John 3:18 in God’s WORD Translation says:

“Dear children, we must show love through actions that are sincere, not through empty words.”

God sees the actions you take.

Proverbs 5:21 in God’s WORD Translation says:

“Each person’s ways are clearly seen by the Lord, and he surveys all his actions.”

Inspect what you expect from yourself.

Galatians 6:4 in God’s WORD Translation says:

“Each of you must examine your own actions. Then you can be proud of your own accomplishments without comparing yourself to others.”

Taking action. . .is pleasing to God.

Philippians 2:13 in God’s WORD Translation says:

“It is God who produces in you the desires and actions that please him.”

Taking action. . .brings rewards.

2 Chronicles 15:7 in God’s WORD Translation says:

“But you must remain strong and not become discouraged. Your actions will be rewarded.”

Jeremiah 17:10 in God’s WORD Translation says:

“I, the Lord, search minds and test hearts. I will reward each person for what he has done. I will reward him for the results of his actions.”


List three steps you can take tomorrow that will turn past inaction into action.

3.      Faulty Preparation

I recently posted the following on Facebook and Twitter.

“If you’re not an elephant then why are you working for peanuts?  You’re worth more than that.”

There are two primary reasons people work for peanuts.

First and foremost, they allow someone else to determine their worth and value.  God’s appraisal of youshould be the only one that counts.

Second, a lack of daily preparation.Literally, a failure to maximize the opportunities that come your wayevery day.

You might be thinking. . . “Brother Harold, I haven’t seen any opportunities.”

Perhaps, you haven’t seen what you haven’t been expecting or looking for.

Joe Gibbs, the former head coach of the Washington Redskins football team and now an owner of a NASCAR racing team, once said:

“A winning effort begins with preparation.”

If you’re not prepared. . .you’re not going to win. . .and you’ll have around financial failure for the remainder of your life.

The World English Dictionary defines preparation as:

“the act or process of preparing and the state of being prepared; readiness”

Preparation is a mental decision before it becomes a practical reality.


Before you go to sleep at night. . .here are three things you should do.

First, make a list of the things you need to accomplish tomorrow.

Assign a priority to each task. . .and be about the business. . .avoid time distractions or people who will prevent you from achieving the things that you’ve purposed to achieve before the day ends.

Second, create a nightly confession for tomorrow being the best day of your life.  Something like this.

"Heavenly Father, I thank you <<date>> will be the greatest <<day>> of my life...a day filled with opportunities beyond my imagination and expectation.  A day filled with revelatory insight and divine connections.  My desire is for you to be glorified in everything I do on <<day, date>>.  In the mighty name of Jesus. Amen."

Third and finally, praise God for all that He accomplished in and through you on the day you’re now saying good-bye to.

Praising him as the last thing you do before sleep. . .is so much better than any kind of sleeping aid.

4.      Living In The Past

It’s impossible to live in the past. . .while embracing your future.

Write this down.

“God will never remind me of my past.  He can’t. . .He’s forgotten it.”

Here are two confirming scriptures.

First, Hebrews 8:12 in the New Living Translation says:

“And I will forgive their wickedness, and I will never again remember their sins.”

Second, Jeremiah 31:34 in the Contemporary English Version says:

“No longer will they have to teach one another to obey me. I, the Lord, promise that all of them will obey me, ordinary people and rulers alike. I will forgive their sins and forget the evil things they have done.”

At this moment. . .you should be asking yourself the obvious question.

If God is not reminding me of my past. . .then who is?

The answer is painfully obvious . . .the accuser of the brethren. . .the devil of debt, lack and everything else evil and/or bad.

Job 2:1 in the New Living Translation says:

“One day the members of the heavenly court came again to present themselves before the LORD, and the Accuser, Satan, came with them.”

Why would you ever allow something that’s been forgiven and forgotten distract you from your future successes?

Never allow your past to determine your future.


Make a list of anything from your past that has been plaguing your future.

Once your list is complete.  Next to each one…I want you to write “Covered by the blood of Jesus and Hebrews 8:12.”

When you finish. . .drop the piece of paper on the floor. . .and put it under your feet.  Next, I want you to proclaim “devil, you, your lies and my past are under my feet.”

Then show “Hallelujah” and stop looking in the rearview mirror.

5.      Failure To Follow His Instructions

You have a problem far greater than financial failure when you fail to follow His instructions.

Proverbs 13:18 says:

Poverty and shame shall be to him that refuseth instruction: but he that regardeth reproof shall be honoured.

Matthew 22:29 in the New Living Translation says:

“Jesus replied, “Your mistake is that you don’t know the Scriptures, and you don’t know the power of God.”

However, when you follow His instructions. . .great things begin to happen.

Obedience creates a spiritual inertia with an ever-increasing momentum toward your success.

Joshua 1:7 in the New Living Translation says:

“Be strong and very courageous. Be careful to obey all the instructions Moses gave you. Do not deviate from them, turning either to the right or to the left. Then you will be successful in everything you do.”

The instructions from this verse are clear. . . .

“Be strong and very courageous”no matter what obstacles you have to overcome.

If you want to experience success. . .financial and otherwise. . .you will have to follow His instructions.  If you don’t follow His instructions. . .it proves. . .you don’t love Him.

John 14:15 in the Amplified Bible says:

“If you [really] love Me, you will keep (obey) My commands.”

John 14:23 in the Amplified Bible says:

“Jesus answered, If a person [really] loves Me, he will keep My word [obey My teaching]; and My Father will love him, and We will come to him and make Our home (abode, special dwelling place) with him.”

God’s criteria for whether or not we love Him is based on whether or not we obey His instructions.

Let me say. . .with God. . .there is no equivocation. . .you either obey Him or you don’t. . .meaning. . .you either love Him or you don’t.

John 14:24 in the Amplified Bible says:

“Anyone who does not [really] love Me does not observe and obey My teaching. And the teaching which you hear and heed is not Mine, but [comes] from the Father Who sent Me.”

How do we avoid financial failure and turn things around?

Psalm 1:2 in the Amplified Bible says:

“But his delight and desire are in the law of the Lord, and on His law (the precepts, the instructions, the teachings of God) he habitually meditates (ponders and studies) by day and by night.


Name three instructions in the Word that you’re not following (Be Honest) and list what you need to do and when. . .to become obedient to His direction.

6.      Lack of Focus

Focus can be simply defined as “whatever has your attention.”

If the things of God have your focus. . .you will be a destiny maker.  However, if not, your lack of focus will be a destiny breaker.

Luke 9:41 in the Message Bible says:

“Jesus said, "What a generation! No sense of God! No focus to your lives! How many times do I have to go over these things? How much longer do I have to put up with this?”         

God wants us focused on His plan for our lives

Anthony Robbins, the noted author and motivation speaker said:

It's not what's happening to younow or what has happened in your past that determines who you become. Rather, it's your decisions about what to focus on, what things mean to you, and what you're going to do about them that will determine your ultimate destiny.

This is the day for you to determine that you will focus on your destiny.

When it comes to the importance of focus. . .one scripture makes the point very clearly.

Philippians 3:13 in the New Living Translation says:

“No, dear brothers and sisters, I have not achieved it, but I focus on this one thing: Forgetting the past and looking forward to what lies ahead.”

Philippians 3:15-16 in the Message Bible says:

“So let's keep focused on that goal, those of us who want everything God has for us. If any of you have something else in mind, something less than total commitment, God will clear your blurred vision—you'll see it yet! Now that we're on the right track, let's stay on it.”

The enemy’s number one tactic in delaying and/or destroying your future success is to break your focus. . .or cause you to focus on things that are inconsequential to your future success.

God wants us focused. . .paying attention to the instructions found in His Word.


Make a list of the seven most important things in your life at the moment. . .and what you plan to do about them.

7.      Wrong Friends

If you tell me about your friends. . .I can tell you what your habits are. . .what your goals are. . .what hindrances you face. . .how you spend your time. . .and what you will ultimately achieve in life.

1 Corinthians 15:33 in the Amplified Bible says:

“Do not be so deceived and misled! Evil companionships (communion, associations) corrupt and deprave good manners and morals and character.”

Proverbs 13:20 in the New Living Translation says:

“Walk with the wise and become wise; associate with fools and get in trouble.”

What I’m about to say is not a question but a definite fact.

I’ve said this next statement in message after message. . .but it bears repeating.

If you’re the smartest person in your circle of friends. . .you need some new friends.

Truthfully, you and your friends should be striving to become involved in another circle.

Psalm 25:12,13 in The Living Bible says:

"Where is the man who fears the Lord? God will teach him how to choose the best.  He shall live within God's circle of blessing."

Your friends should fear the Lord.  Your friends should have a passion to be their best so they can become His best.

Your circle of friends will determine in large measure your circle of blessings.

Child of God, if there’s one place I want you to be. . .it’s in God’s circle of blessing.

One more thing. . .if your current friends think your goal is to make them happy. . .then you have a problem.  Let me give you an absolute fact.

If you spend your life trying to please people. . .you will never please your Heavenly Father.

Bill Cosby, the great entertainer, once said:

“If you want to be a failure in life, just try to make everybody happy.”


Make a list of your top seven friends. . .and ask yourself the following questions.

Do you learn from your friends or do your friends learn from you?

How do your friends respond to your goals and dreams for success. . .financial and otherwise?

Now you can decide whether or not you need new friends.