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第四部份:如何获得财务利差
引言

Introduction:

一个实用关于如何活出较少遗憾和
更有目标的人生。
A practical series about living life with
fewer regrets and more purpose.
哈巴谷书 Habakkuk 2:2 (NKJV)
他对我说:“将这默示明明地写作板
上,是读的人容易读。”
“Write the vision, And make it plain on tablets,
That he may run who reads it.”
这系列 The series:
• 如何做出更好的决定
How to make better decisions
• 如何摆脱债务 How to get out of debts
• 如何获得财务利差
How to gain financial margin
• 如何有一个牢固的婚姻
How to have a strong marriage
这系列 The series:
这系列 The series:
• 如何做出更好的决定
How to make better decisions
这系列 The series:
• 如何做出更好的决定
How to make better decisions
• 如何摆脱债务 How to get out of debts
这系列 The series:
• 如何做出更好的决定
How to make better decisions
• 如何摆脱债务 How to get out of debts
• 如何获得财务利差
How to gain financial margin
这系列 The series:
• 如何做出更好的决定
How to make better decisions
• 如何摆脱债务 How to get out of debts
• 如何获得财务利差
How to gain financial margin
• 如何有一个牢固的婚姻
How to have a strong marriage
这系列 The series:
• 如何建立一个健康的约会生活 / 育儿生
活 How to build a healthy dating life /
parenting life
这系列 The series:
• 如何建立一个健康的约会生活 / 育儿生
活 How to build a healthy dating life /
parenting life
• 如何控制愤怒 How to keep anger at bay
这系列 The series:
• 如何建立一个健康的约会生活 / 育儿生
活 How to build a healthy dating life /
parenting life
• 如何控制愤怒 How to keep anger at bay
• 如何不要烦心 How to not worry
圣经里是如何说关于财务
What the Bible says about FINANCE
圣经里是如何说关于财务
What the Bible says about FINANCE
• 它可以控制我们 / 做我们的主
It can LORD over us
圣经里是如何说关于财务
What the Bible says about FINANCE
• 它可以缠住并毁了我们
It can ensnare and ruin us
圣经里是如何说关于财务
What the Bible says about FINANCE
• 它可以缠住并毁了我们
It can ensnare and ruin us
提摩太前书 6:9-10
9
至于那些想发财的人就会陷入试探、网罗以及很多
无知有害的欲望里;这些欲望使人沉溺在败坏和
灭亡中。 10 要知道,贪爱金钱是万恶之根;有些
人恋慕金钱,就被迷惑而离开了信仰,用很多苦
痛把自己刺透了。
圣经里是如何说关于财务
What the Bible says about FINANCE
• 它是该用来敬畏上帝,服侍祂,家庭等等 It is a
mean to Honor God, serve Him, family and others
圣经里是如何说关于财务
What the Bible says about FINANCE
• 它是该用来敬畏上帝,服侍祂,家庭等等 It is a
mean to Honor God, serve Him, family and others
提摩太前书 6:17-19
17
对那些今世富有的人,你当吩咐他们不可高傲自大
,也不可把盼望寄托在靠不住的财富上,而要寄托
在神身上,神把万物丰丰富富地赐给我们享受。 18
你要吩咐他们常行美善,在美好行为上富足,慷慨
施舍,乐意分享; 19 为着那将要来临的,给自己积
存美好的基础,使他们抓住那真正的生命。
圣经里劝告我们不但要在财务上自由,
而且要在神前的富足。
The bible exhorts beyond financial freedom,
but to be rich towards God.
要达到在神前的富足,有两个基本的要素

To achieve RICH TOWARDS GOD, 2 basic ingredients:
要达到在神前的富足,有两个基本的要素

To achieve RICH TOWARDS GOD, 2 basic ingredients:

• 如何摆脱债务 / 如果不进入债务 How to get
out of debts / how not to get into debts
要达到在神前的富足,有两个基本的要素

To achieve RICH TOWARDS GOD, 2 basic ingredients:

• 如何摆脱债务 / 如果不进入债务 How to get
out of debts / how not to get into debts
• 如何获得财务利差
How to create financial margin
如何获得财务利差

How to Gain Financial Margin

一种新的思考和生活方式
A new way of THINKING and LIVING
如何获得财务利差
• 利差 Margin

How to Gain Financial Margin
如何获得财务利差

How to Gain Financial Margin

• 利差 Margin
– 在限额上或拥有超越实际上需要的东西

An amount allowed or available beyond
what is actually necessary
如何获得财务利差

How to Gain Financial Margin

• 利差 Margin
– 在限额上或拥有超越实际上需要的东西

An amount allowed or available beyond
what is actually necessary

– 财务利差的意思是你拥有绰绰有余的金钱来赐
福给上帝,家庭等等

Financial Margin simply means you have
more than enough to be a blessing to God,
family and others
要了解财务利差

To understand FINANCIAL MARGIN
要了解财务利差

To understand FINANCIAL MARGIN
•

呼召 The Call
要了解财务利差

To understand FINANCIAL MARGIN
•
•

呼召 The Call
挑战 The Challenge
要了解财务利差

To understand FINANCIAL MARGIN
•
•
•

呼召 The Call
挑战 The Challenge
法规 The Code
呼召 : 亚伯拉罕
The Call : Abraham
呼召 : 亚伯拉罕
The Call : Abraham
创世记 Gen 12:1-2
12 耶和华对亚伯兰说:“你要离开本地、本
族、父家,往我所要指示你的地去。 2 我
必叫你成为大国,我必赐福给你,叫你的
名为大,你也要叫别人得福
呼召 : 以色列
The Call : Israel
呼召 : 以色列
The Call : Israel

申命记 Deut 28:1-13
28 “ 你若留意听从耶和华你神的话,谨守遵行他的
一切诫命,就是我今日所吩咐你的,他必使你超
乎天下万民之上。 2 你若听从耶和华你神的
话,这以下的福必追随你,临到你身上。 3
你在城里必蒙福,在田间也必蒙福。 4 你身所
生的,地所产的,牲畜所下的,以及牛犊、羊羔
,都必蒙福。
呼召 : 以色列
The Call : Israel

申命记 Deut 28:1-13
5 你的筐子和你的抟面盆都必蒙福。 6 你出也蒙
福,入也蒙福。 7 “ 仇敌起来攻击你,耶和华必
使他们在你面前被你杀败。他们从一条路来攻击
你,必从七条路逃跑。 8 在你仓房里,并你手
所办的一切事上,耶和华所命的福必临到你。耶
和华你神也要在所给你的地上赐福于你。
呼召 : 以色列
The Call : Israel

申命记 Deut 28:1-13
9 你若谨守耶和华你神的诫命,遵行他的道,他
必照着向你所起的誓立你作为自己的圣民。 10
天下万民见你归在耶和华的名下,就要惧怕
你。 11 你在耶和华向你列祖起誓应许赐你
的地上,他必使你身所生的,牲畜所下的,
地所产的,都绰绰有余。
呼召 : 以色列
The Call : Israel

申命记 Deut 28:1-13
12 耶和华必为你开天上的府库,按时降雨在你的
地上,在你手里所办的一切事上赐福于你。你必
借给许多国民,却不致向他们借贷。 13 你若聽
從耶和華─你神的誡命,就是我今日所吩咐你的
,謹守遵行,不偏左右,也不隨從事奉別神,耶
和華就必使你作首不作尾,但居上不居下 。
呼召 : 耶稣
The Call : Jesus
呼召 : 耶稣
The Call : Jesus

约翰福音 John 10:10
10 盗贼来,无非是要偷窃、宰杀、毁灭;而我来
是要他们得生命,并且得的更丰盛。
The thief does not come except to steal, and to kill,
and to destroy. I have come that they may have life,
and that they may have it more abundantly.
挑战 The Challenge
挑战 The Challenge
路加福音 Luke 12:15-21

15 接着耶稣对他们说:“你们要注意,要提防一切贪心
,因为一个人的生命不在于他财产的丰厚。” 16 然
后对他们讲了一个比喻,说:“有一个富有的人,田
地丰收了。 17 他就心里盘算:‘我没有地方储存我
的产物了,做什么呢?’ 18 他就说:‘我要这么做:
拆掉我的这些仓库,另建更大的,把我所有的麦子
[a] 和美物收集在那里。 19 然后,我要对我的灵魂
说:灵魂哪,你拥有了很多好东西,足以享用多年,
你就休息、吃喝、庆祝吧。’
挑战 The Challenge
路加福音 Luke 12:15-21
20 “ 可是神对他说:‘你这愚妄的人哪!今夜,他们就
要召回你的灵魂了。那么,你所预备的要归谁呢?’
21 “ 那为自己积蓄财富而在神面前不富足的人,也是
这样。
挑战 The Challenge
•

贪婪 - 内在的声音 Covetousness the internal
voice
挑战 The Challenge
•

贪婪 - 内在的声音 Covetousness the internal
voice
–囤积者 Hoarder
挑战 The Challenge
•

贪婪 - 内在的声音 Covetousness the internal
voice
–囤积者 Hoarder
–花费者 Spender
挑战 The Challenge
•

消费文化 - 外在的声音
Consumerism – the external voice
挑战 The Challenge
•

消费文化 - 外在的声音
Consumerism – the external voice
最大的谎言说“有更高标准的生活 = 更好的
生活品质 The biggest lie “having a higher
standard of living = better quality of life”
法规 The Code
•

领受 - 信心 Receiving – FAITH
法规 The Code
•

领受 - 信心 Receiving – FAITH
– 上帝是我们终极供应者
God is our ultimate provider
法规 The Code
•

领受 - 信心 Receiving – FAITH
– 上帝是我们终极供应者
God is our ultimate provider
– 努力工作 Work hard
法规 The Code
•

给予 - 慷慨 Giving – GENEROSITY
法规 The Code
•

给予 - 慷慨 Giving – GENEROSITY
– 给予总是激活神的眷顾
Giving always activates God’s providence
法规 The Code
•

管理 · 智慧 Managing – WISDOM
法规 The Code
•
•

管理 · 智慧 Managing – WISDOM
百份比的生活 Percentage living
法规 The Code
•
•
•

管理 · 智慧 Managing – WISDOM
百份比的生活 Percentage living
量入为出 Live below our means
法规 The Code
•
•
•
•

管理 · 智慧 Managing – WISDOM
百份比的生活 Percentage living
量入为出 Live below our means
知足是关键 Contentment is key
法规 The Code
•
•
•
•
•

管理 · 智慧 Managing – WISDOM
百份比的生活 Percentage living
量入为出 Live below our means
知足是关键 Contentment is key
最高限度地储存 Maximize saving
法规 The Code
•
•
•
•
•
•

管理 · 智慧 Managing – WISDOM
百份比的生活 Percentage living
量入为出 Live below our means
知足是关键 Contentment is key
最高限度地储存 Maximize saving
最低限度开支 Minimize spending
第四部份:如何获得财务利差

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131027 chi i wish i knew series (part 4 - how to gain financial margin) by joseph gan