Looking back, I wish I could shake my 20-something self by the shoulders and sternly say: “You are a financial fool. Your future will be here before you know it. Have you saved for it?” I wish I had practiced the discipline of living on only 70 percent of my income, leaving margin for 10 percent of my money for tithes, 10 percent for routine saving, and 10 percent for the unexpected — which could be good opportunities or bad experiences. But I would also say to my 20-something self: “The God you do not yet know or serve is fully trustworthy. One day soon you will learn that and begin worshiping Him. From that moment on, keep your eyes open for the needs He puts before you, for you will find there is immense joy in giving. The provision you will receive is not just for your consumption; it is for your investment in what carries into eternity.”