What's Your Story

Dan and Lynn

Dan and Lynn

We were introduced to Howard Dayton’s Bible study in our 30’s and his True Financial Freedom challenge really resonated with us- being free to go wherever the Lord directed us, without having to draw a salary! So, we began the steady plodding journey.

Our first goal was to pay off our mortgage- and with the Lord’s help we were able to accomplish this goal and be debt free! We resisted the desire to increase our lifestyle as raises and bonus’ came in, and instead focused on eliminating this monster-sized debt! As the Lord continued to provide for us during this goal, we continued to increase our giving and savings with the idea of one day experiencing true financial freedom.

We continued to be faithful towards this goal, and when we reached our mid- 50’s, the Lord had provided to the point where we could retire early. Through the Lord’s provision and our faithful steady plodding, we are now serving in full-time ministry without the need for a salary- answering the call the Lord put on our heart 25 years ago! – Dan & Lynn


Frank and Yvonne

Frank and Yvonne

Frank and I grew up in Jamaica where it was customary to see our families make purchases with cash and not credit. The principle was to save and then buy, and we tried to maintain that same principle when we immigrated to the United States. However, that principle became a challenge when we decided to buy a house.

We justified getting a mortgage and convinced ourselves that it was “good” debt. Shortly after buying our home, we were invited to participate in a small group Bible study by Howard Dayton.

After several weeks of the study, we realized that we only understood the “what” about not getting into debt and not the “why”. The “why” became very clear to us when we memorized Proverbs 22:7, “Just as the rich rule the poor, so the borrower is servant to the lender.” We immediately made the decision to pay off our mortgage, and with God’s provision, accomplished this goal in January 2006.

After paying off our mortgage, I (Yvonne) was able to answer God’s calling to serve full-time in ministry. The Compass study was a life-changing experience for our family, was the catalyst for my career change and has been a great testimony to our adult children who are continuing the family legacy of applying biblical principles in their lives. – Frank & Yvonne


Gary and Teresa

Gary and Teresa

The greatest thing we learned from reading Howard Dayton’s Your Money Counts, came in a question that we now ask ourselves regularly: “Lord, what would you have us do?”

In 2012 we wrestled with the idea of selling a home that we really enjoyed, to further reduce our mortgage debt. So we asked the Lord “what would you have us do?” Our sense was not to put it up for sale, or tell anyone we were selling it. If the Lord wanted us to sell it- he would have to send a buyer to our “front door”.

So you can imagine our astonishment when we got a call from a realtor, asking if we would be interested in selling our house- she had a buyer! When our home officially sold, we felt incredible joy. We also realized that obediently following the Lord’s desires for us, and not relying on our own wants, glorified Him!

We were able to personally experience the wonderful quote from missionary Jim Elliot, “God always gives His best to those who leave the choice to Him.” -Gary & Teresa


Nick & Julie

Before the Compass study (now 9-week Navigating Your Finances God’s way) we had more than $500,000 in debt. Our lives were full of anxiety, discontentment and unfulfillment pursuing a lifestyle well above our income level. The Compass study and the Compass Money Map put us on a course to give generously, reduce spending and eliminate all debt in 15 years. We started the journey of being “faithful in little” and then we watched the Lord miraculously provide, helping us eliminate a half a million dollars of debt in less than 7 years! No telling where we’d be today if we not taken the Compass study. –Nick & Julie


Ken and Sharon

The most significant impact in taking the Compass study (now 9-week Navigating Your Finances God’s way) was it led me (Ken) to surrendering my life to Jesus Christ and having a personal relationship with Him! Every relationship, especially our marriage of 38 years was dramatically transformed as a result. Coming into it, we thought this would just be another tool to learn how to be better money managers, but God had so much more in mind! It was a Christ-center, bible-based, prayer-driven and discipleship-focused study where each week God’s word continued to reveal a new path for us. It was the catalyst to reveal our true purpose, changed the trajectory of our lives, and gave us sense of peace and contentment that only God could provide. – Ken and Sharon


Maverick and JuLee

Maverick andJuLee

As a Quality Engineer, I made a very good salary which allowed JuLee to be a stay-at-home Mom. With a small house, one car, and “manageable” debt we felt we were doing everything right. Then, through one of the Compass studies, we learned what the Bible said about finances and started applying the principles right away. We had some ups and downs but God was so faithful providing a way to be debt-free, including the home mortgage in only eight years! God has truly blessed us as we sought to obey His words; all of them, especially those dealing with finances. Over the years we’ve had the opportunity share with many others God’s financial principles, including our kids. Now as adults they have no other debt beyond their home mortgage. We’re so grateful for Compass and the impact it’s had on our family’s legacy. -Maverick & JuLee