Do you play the lottery? Visit casinos? Probably not if you’ve read Proverbs 13:11, "Wealth gained hastily will dwindle, but whoever gathers little by little will increase it." Even if you’ve never bought a scratch-off ticket, did you know that you could still be gambling with the resources God has given you? Avoid taking unnecessary risks with your finances. The first way to take that dangerous risk is not being prepared for unexpected emergencies. Also, have a spending plan. This will guide you to live on less than you earn so you can build up an emergency fund. Lack of life insurance, lack of health insurance, lack of disability insurance (if the breadwinner is prevented from working), and lack of long-term care insurance, you don’t want to head into your golden years without it. Forewarned is forearmed. Proverbs 24 teaches, "By wisdom a house is built, and by understanding it is established; by knowledge the rooms are filled with all precious and pleasant riches." On today’s program we also answer a few of your calls: --I have the opportunity to either remain in my current working field that pays good benefits or move into another job without benefits that pays $25,000 more. What do you recommend? --Should we take out a HELOC loan to pay off our current mortgage loan? We have about 21 years left to pay on that. --What do you think about taking on a mortgage against a home that is debt free and invest that money (that our financial person would, in turn, pay that mortgage monthly)? This would apparently make us more money, depending upon what the interest rate is. Is this a great way to invest? Remember, you can call in to ask your questions 24/7 at (800) 525-7000 or email them to [email protected] Also, visit our website at MoneyWise.org where you can listen to past programs, connect with a MoneyWise Coach, and even download free, helpful resources like the free MoneyWise app. Like and Follow us on Facebook at MoneyWise Media for the very latest discussion! And remember that it’s your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab on our website or in our app.