Miriam Neff - Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More

It is a privilege for me to endorse Wise Women Managing Money as it is written by very experienced, practical, and spiritual experts in the area of money and money management. I know that 80 percent of married women will experience widowhood and at least 50 percent will experience divorce. To have women writing to women with sound, practical, expert advice is a necessity, and this book meets that need. I recommend the book highly and trust that God will use it in a significant way in the lives of thousands of women.

RON BLUE

Founder, Ronald Blue Trust

Finally! A complete financial guide anyone can understandand dont be misled by the title; Wise Women Managing Money is great for men too. I kept finding myself surprised, and delighted, that Miriam and Valerie have put the cookies on the lower shelf where even lay men can understand these things. Theyve proved this complex landscape can be navigated by anyoneand from a biblical viewpoint to boot.

JERRY B. JENKINS

Novelist (Left Behind and The Chosen) and biographer (Billy Graham and many others)

Through the landmark Women Doing Well study, we listened to the voices of over seven thousand women and heard the clear message that women want to do well. We also heard that women who were fully engaged in their purpose and passion and who were clear on their plan were the most fulfilled and generous! Do you want to be a woman doing well? If so, I recommend that you read Miriam Neff and Valerie Hogans book, Wise Women Managing Money. Using an interactive and conversational style, Neff and Hogan travel with you through money topics that today may seem confusing or uninteresting. They are positive voices that say, You can do this. During the journey, they introduce you to the eight habits of wise women managing money and give you the tools to continue throughout your lifetime. You will not only begin to enjoy what God has given you in this lifetime, but you will also be prepared to answer with confidence when God asks you in eternity about what you did with what He gave you on earth.

SHARON EPPS

Cofounder, Women Doing Well

This mother-daughter duo combines practical insights, biblical financial principles, and a delightful sense of humor. Whether you are struggling with your first budget, stewarding your investments or planning generous giving, this book will revolutionize your perspective on money and all that God has entrusted to you. If you want to understand why managing your money matters to Godand how to do it wiselythis is the book you need to read.

CHERYL BACHELDER

Former CEO, Popeyes Louisiana Kitchen, Inc.; author, Dare to Serve: How to Drive Superior Results by Serving Others

If you are anxious about money, this book is for you. Miriam and Val will guide you through the landscape of spending, saving, investing, and giving, offering wise counsel and practical wisdom, along the way. However daunted you may feel, this biblical, reliable, readable, and enjoyable book will give you the encouragement and confidence you need to manage your money well.

COLIN S. SMITH

Senior Pastor, The Orchard; founder and Bible teacher, Unlocking the Bible

Women are making, marrying, and inheriting money in culture-shaping ways. Fifty-two percent of the wealth in the United States is held by women and only six percent of Christian women surveyed are confident to steward what God is entrusting to them. No matter what season of life you find yourself in, you will want to read Wise Women Managing Money. Its practical, relatable, and rich with tools to help guide you into wise money management and increased confidence and courage to live and give in Gods image.

JULIE WILSON

President, Women Doing Well

If ever two women are qualified to advise women about managing money wisely, it is Miriam and Valerie. From two generations and two areas of expertise, they give wonderfully practical andmost importantlybiblically based advice that every woman needs. Even if you think youre doing a good job managing your money, youll discover, as I did, there is room for improvement. Following the wisdom in this book can truly open the door to new financial freedom for you.

MARY WHELCHEL LOWMAN

Founder and Speaker, The Christian Working Woman

Miriam Neffs latest book, Wise Women Managing Money, continues to expand her important ministry to women of all generations. Coauthored with her daughter, Valerie Neff Hogan, the book is a good introduction to help women be more confident and understand their money matters. The authors speak from biblical foundations, introducing women to core fundamentals about money and money management. The books tone is encouraging, and its written in everyday languageoften with a sense of humor. I appreciated the thinking it over sections with suggested activities for readers. The Valerie Says and Miriam Says sections often present personal stories that help to clarify certain money concepts. Their book includes an insightful section on legacy giving, which is often overlooked in other texts about money. That nicely extends typical estate planning information. Its a quick, compelling, and uncomplicated read. I believe this may be a good book for study groups hosted by Christian churches and organizations that want to assist women. Indeed, I wouldnt be surprised to see a short guide prepared for these groups in the future.

KATHLEEN M. REHL, PHD, CFP, CEFT EMERITUS

Author, Moving Forward on Your Own: A Financial Guidebook for Widows

2022 by
MIRIAM NEFF AND VALERIE NEFF HOGAN

All rights reserved. No part of this book may be reproduced in any form without permission in writing from the publisher, except in the case of brief quotations embodied in critical articles or reviews.

Some material from this book was used in a video series of the same name (Wise Women Managing Money) and previously published at widowconnection.com.

All stories of people in this book are either fictitious, composites, or fully disguised.

Disclaimer: This information is meant to be educational, and does not constitute legal, tax, or financial advice. You should consult your personal advisers concerning legal, tax, or financial planning specific to your unique situation.

All Scripture quotations, unless otherwise indicated, are taken from the Holy Bible, New International Version, NIV. Copyright 1973, 1978, 1984, 2011 by Biblica, Inc. Used by permission of Zondervan. All rights reserved worldwide. www.zondervan.com The NIV and New International Version are trademarks registered in the United States Patent and Trademark Office by Biblica, Inc.

Scripture quotations marked (ESV) are from the ESVBible (The Holy Bible, English Standard Version), Copyright 2001 by Crossway, a publishing ministry of Good News Publishers. Used by permission. All rights reserved.

Scripture quotations marked (TLB) are taken from The Living Bible copyright 1971. Used by permission of Tyndale House Publishers, Carol Stream, Illinois 60188. All rights reserved.

All emphasis in Scripture has been added.

Edited by Elizabeth Cody Newenhuyse
Cover design: Erik M. Peterson
Interior design: Puckett Smartt
Interior illustrations: Kelsey Fehlberg