In this powerful episode of Prosper in the Kingdom, hosts Jon Cleaver and Wendy Lee dive into the final phase of the 3M Wealth Framework: Multiply. If you’ve been wondering how to truly grow wealth God’s way—without chasing hype or falling into get-rich-quick traps—this conversation is your roadmap.

Too many believers try to skip straight to multiplication without first establishing the structure required to sustain it. But Kingdom wealth isn't built on speculation—it’s built on stewardship, strategy, and sustainability.

Jon and Wendy unpack:

1. Why "multiplication" must follow “make” and “manage” phases
2. The danger of chasing crypto, day trading, and overnight wins without a solid plan
3. The biblical foundation for wealth-building (hint: Psalm 112:3 and Proverbs 13:22)
4. The role of liquidity, long-term investing, and asset protection
5. How wealth built God’s way is peaceful, boring… and powerful
6. Why compounding isn’t just math—it’s spiritual discipline
7. How misalignment (not money) is what Scripture warns against
8. The myth of waiting for perfection—why the Multiply phase should start early and small

This episode is packed with biblical truth, practical strategy, and the gentle conviction you need to align your financial future with God’s timing and design.

Featured Scriptures:

1. Psalm 112:3 — “Wealth and riches are in his house, and his righteousness endures forever.”
2. Proverbs 13:22 — “A good man leaves an inheritance to his children’s children.”
3. Deuteronomy 8:18 — “...for it is he who gives you the power to get wealth...”

Resources & Links:

1. Register for the January Masterclass on Estate Planning
2. Get your custom Safe Money Roadmap — Discover where you are in the 3M Framework and what steps to take next

Key Takeaway:

“Multiply is not about chasing returns—it’s about stewardship expressed over time, not speed.”

Ready to Multiply Your Wealth—God’s Way?

This episode is for you if:

1. You’re tired of financial instability
2. You want a biblically grounded approach to building lasting wealth
3. You're ready to take consistent, small steps toward financial freedom and...

In this powerful start-to-2026 episode, Jon Cleaver and Wendy Lee unpack the Manage Phase of the 3M Wealth Framework — and why cash flow, not income, is the real king when it comes to financial peace, stability, and long-term wealth.

This conversation goes far beyond budgeting. It dives into Christian financial strategy, money management, building wealth with biblical values, and the emotional and spiritual impact of how we handle money. Whether you’re an entrepreneur, small business owner, or navigating personal finance, this episode shows you how to move from financial stress to clarity, confidence, and Kingdom impact.

If you’ve ever said, “I make good money… so why do I still feel broke?” — this episode is for you.

1. The dangerous myth: “If I just made more money, I’d finally feel in control.”
2. Why many high earners still struggle with financial stress and money anxiety
3. The difference between income and cash flow

The Manage Phase is where most people either:

✔️ Gain control of their money

❌ Or quietly lose it

You’ll learn how proper money management:

1. Stabilizes your financial life
2. Protects the progress you’re making
3. Creates true financial freedom and peace

This episode weaves together biblical money management with real-world financial strategy:

“We are not the owners — God is the owner. We are the managers.” — Jon Cleaver

Scriptures referenced include:

1. Proverbs 27:23 – Knowing the condition of your “flocks”
2. Psalm 128 – Enjoying the fruit of your labor

You’ll discover how stewardship, not restriction, becomes the foundation of Kingdom wealth.

If you’re an entrepreneur or small business owner, this section hits home:

1. Why fluctuating income destroys confidence when cash flow isn’t managed
2. How unmanaged debt becomes “invisible chains”
3. The emotional side of financial struggles no one talks about
4. Why management brings clarity, power, and peace

You’ll learn how:

1. Cash flow determines your resilience

If you’ve been working hard, doing “all the right things,” and still feel financially stuck — this episode will finally explain why.

In this powerful conversation, Jon Cleaver and Wendy Lee break down The Make Phase of the 3M Wealth Framework (Make, Manage, Multiply) and reveal why income — and the margin it creates — determines everything else in your financial life. They dismantle the myth that budgeting alone can fix an income problem and show how building margin, increasing cash flow, and creating financial breathing room is the foundation for lasting wealth, peace, and stewardship.

This episode is packed with practical strategies, biblical wisdom, and clear direction for anyone who wants to stop living paycheck-to-paycheck and start building wealth with intention.

Many disciplined, hardworking people still feel trapped financially — not because they are irresponsible, but because they lack margin. You cannot spreadsheet your way out of insufficiency. Without margin, even good financial advice becomes exhausting instead of empowering

Your income is the fuel behind every financial decision you make. Without adequate income and margin:

1. You can’t accelerate debt reduction
2. You can’t increase investing
3. You can’t reduce financial stress
4. You can’t build stability or generosity

That’s why the Make Phase must be emphasized early — not from greed, but from wisdom

Delaying financial growth costs you:

1. Compounding
2. Momentum
3. Confidence

Waiting to “fix debt first” or “start later” robs you of time — the most valuable asset in wealth building

Rather than fixing one area at a time, Jon and Wendy teach how to work all three phases together:

1. Make: Increase income and create margin
2. Manage: Control spending, reduce debt, build stability
3. Multiply: Invest consistently — even if the amounts start small

The weighting shifts over time, but all three run concurrently so no years are wasted

Extra income should never create new bondage.

Instead, it should:

1. Reduce obligations
2. Build emergency reserves
3. Create financial stability
4. Fund investing and long-term growth

As income increases, management becomes more important — not...