SOW Blog

Walking in God’s Favor: Not that I was ever in need, for I have learned how to be content with whatever I have. Phillippians 4:11 NLT

Love Is Your Greatest Gift And Contentment Is Your Greatest Wealth

Queen Latifa stars in a movie titled, Last Holiday. She is mistakenly told by her doctor that she has a terminal illness and has a very short time to live. Believing that she is dying and her days are numbered, she decides to do the one thing on her bucket list that she has dreamed about her entire life; travel to Europe.

She goes to her bank and withdraws all her life savings. She intends for this dream vacation to be an experience of a lifetime. Queen Latifa’s character in the movie books  her plane travel first-class in order to feel once in her lifetime, what the rich people enjoy when they travel.

She books her hotel reservation in a five-star hotel where the rich people stay and picks the high-rollers’ penthouse suite, which includes the luxury pamper  package only for the rich people. She dines out every night at the finest five-star restaurants where the rich people eat. She lives on the financial edge as if there is no tomorrow.

Contentment Shines In The Spirit Of Those Who Are Grateful

Many of you live your financial lives pretty much the same way during the holiday season.  You spend as if there is no tomorrow. One of the definitions of  maturity  is learning to delay pleasure. If you struggle in your spending during the holidays like many Americans, here’s 5 tips from Financial Peace University  www.fpu.com to help you make wise choices when buying items over $150:

1) Wait over night before buying. Sleeping on it takes the edge off you.

2) Consider your buying motives; why and why now?

3) Don’t buy things you don’t understand or can’t explain.

4) Consider the opportunity cost. Would the money be better invested or saved?

5) Seek the counsel of your spouse. If single, seek the counsel of a mature Christian you know and respect.

Changing Future Generations’ Mind-set

If God blessed some of you with money with your current character traits and mind-set, your desire for instant gratification, your impulsive  tendencies that are out of control, and your media-driven consumer mentality would cause many of you to blow most, or all of  God’s financial blessings. Our mission is changing future generations’ mind-set.

When God opens the doors of heaven to pour out financial  blessings on you, spend that money wisely.  Learn to make a plan, give to God, give to yourself, and have some fun. Subscribe to our SOW Video Library on our YouTube channel. We will walk through the IV Levels of Stewardship process step by step.

Prayer of Blessings:  Lord, we will honor You in our finances.

Michael J. Vance is the co-host for the Better Husband Father Man Podcast  a hub for all things; parenting, marriage, and self-improvement. He is the moderator for the AIIA 2020 Virtual Conference and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”.

Walking In God’s Favor: The Lord will open up the heavens. That’s where He stores His riches. He will send rain on your land at just the right time. He’ll bless everything you do. You will lend money to many nations. But you won’t have to borrow from any of them. The Lord your God will make you leaders, not followers. Pay attention to His commands that I’m giving you today. Be careful to follow them. Then you will always be on top. You will never be on the bottom. Deuteronomy 28: 12,13 NIRV

Level I Stewards Walk By Faith And Not By Sight

North America  is one of the richest countries on the planet. Mel Gipson, movie actor/producer,  earned over 350 million dollars from the movie The Passion of  Christ. Oprah Winfrey is one of the richest women of color in the world.

Such enormously powerful income can support lavish lifestyles, magnificent mansions, awesome automobiles, exotic vacations, unlimited shopping for designer clothes & luxury personal items. The media is more than willing to make known to you the lifestyle of the rich and famous.

The Tension Of Wealth: Our Love For God Can Pivot To His Blessings

Unfortunately, many of you believe that anything less than  excessive luxury is equivalent to poverty. If your goal is the Hollywood style of prosperity, more than likely that is something you will probably never reach. The bling bling life style of professional athletes and recording artists influence many of you, young and old to get rich or die trying.

Level I Stewards believe there is a difference between riches and wealth. You can become rich without God in your life. You can easily find unethical Wall Street Bankers, greedy CEO’s, drug dealers and pornography pimps who are rich. That’s because riches are material possessions.

Level I Stewards Measure Wealth By Who You Are Not What You Have

On the other hand wealth is obtained through spiritual wisdom, character development, and the observance of Godly principles. You should not worry or focus all your time on getting rich. But instead, focus on loving God with all your heart, with all your mind, and with all your soul. It is He who gives you the power to obtain wealth.

God will take care of your needs according to His riches in glory.  God loves you more that anyone and His plans for your life is greater than anything you could ever dream or imagine.

Prayer of Blessing: Lord, thank you for an abundant life.

Michael J. Vance is the co-host for the Better Husband Father Man Podcast  a hub for all things; parenting, marriage, and self-improvement. He is the moderator for the AIIA 2020 Virtual Conference and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”.

Walking In God’s Favor: Wise people live in wealth and luxury, but stupid people spend their money as fast as they get it. Proverbs 21:20 GNT

Learned To Be Proactive, Do What Matters Now

Many of you only dream of saving money.  Here’s a quick  snapshot of America’s finances.  The Wall Street Journal indicates that 70%  of all Americans  live from paycheck to paycheck. The  Oprah Winfrey Show indicated in an online survey that 70% of responders had no savings anywhere.  You almost have to pull a gun on Americans to get them to save.

What we have learned from this pandemic, is get prepared for the next one. In Level II Stewardship you must make preparing for the storms of life a top priority. Have a plan in place so you are not caught off guard.

Remember, King Solomon the wisest man who ever walked this planet said in Proverbs 21:20, “The wise man saves for the future, but the foolish man spends whatever he gets.”

The Key Is To Prioritize What Is Important To You

Ardella and I have learned in Financial Peace University (3) key reasons to save money; for emergencies, for purchases and to build wealth. Working in the risk management and academic arena for over 20 years, we label emergencies in 5 categories which we call the 5 storms of life or the 5D’s.

1Disasters – Pandemics, car accidents, weather related perils, any unexpected incidents.

2Disability – Any physical condition that prevents your daily living activities.

3Downsized – Loss of employment, bankruptcy, or divorce.

4Death – The loss of a  person who contributes to your financial well being.

5Deployment- Active & reserve military called to serve 6 or more months away.

Remember, Noah built the Ark before it had ever rained. When disasters strike, the time to prepare is gone. You must be proactive in preparing for the storms of life.

May Your Choices Reflect Your Hopes, Dreams, and Life Purpose

If you want to become a Level III  Steward you must choose to make saving a top priority. Moving from Level II Stewardship to a Level III Stewardship requires dedication, discipline and diligence. Living the life of surplus and overflow takes wisdom.

Many of you have struggled so long in your financial lives you get comfortable with a life of stability.  Now is not the time to rest, keep moving. There is so much God has for you to learn, experience and become. You must choose to make saving a top priority.  The choice is up to you.

Prayer of Blessing: Lord, help us to save.

Michael J. Vance is the co-host for the Better Husband Father Man Podcast  a hub for all things; parenting, marriage, and self-improvement. He is the moderator for the AIIA 2020 Virtual Conference and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”.

Walking in God’s Favor:  And, of course, it is very good if a man has received wealth from the Lord and the good health to enjoy it. To enjoy your work and to accept your lot in life—that is indeed a gift from God. Ecclesiastes 5:19 TLB

Wealth is having more then you need, and wanting less than you have.

Our definition of wealth is holistic and different than most people. We define wealth as certain things money cannot buy such as good health, loving relationships, peace of mind, creative abilities, wisdom, freedom and a spirit-led life.

Having a fat bank account,  strong investment portfolio, or family trust fund, doesn’t necessary mean you are truly wealthy. If you have a million dollars net worth and you are always worrying about losing it or someone trying to scam your money, you aren’t truly wealthy.  You have a scarcity mentality.

You can truly only enjoy your wealth, if you are in good health.

The first truly wealthy person I was able to observe up close and personal over the years was Ardella’s father the late Howard T. Williams. This barrel chest, quick to laugh man was always willing to share a smile and words of wisdom with anyone who crossed his path.

Mr. Williams was a loyal employee for  Chrysler Corporation for 32 years and valued long-term relationships. He was married to the same woman for 42 years. He gave back to his community by serving as a member of the Detroit School Board for 13 years.

Mr. Williams saved money in a college fund for all (5) of his children.  Paid off his home mortgage early, avoided debt & credit cards, and had an emergency fund for the unexpected. On the day of his death Mr. Williams had a will and his burial arrangements in place. He was a man ahead of his times and a great example to me of personal stewardship.

Wealth is like health, you only learn it’s true value when you lose it.

In the world’s economy it says wealth is measured primary by material possessions and the things money can buy. In God’s economy true wealth is measure by certain things you cannot necessarily see and by certain things you cannot necessarily buy.

Prayer of Blessings: Lord, give us health to obtain true wealth.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast  a hub for all things; parenting, marriage, and self-improvement. He is president of the AIIA 2020 Convention & Trade Show and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”.

Walking In God’s Favor: Happy are those who reject the advice of evil people, who do not follow the example of sinners or join those who have no use for God. Instead, they find joy in obeying the Law of the Lord, and they study it day and night. Psalms 1:1-2 GNT

Knowledge & Wisdom is of no value, unless you put it into practice. 

As Christians you get your instructions and directions in  life from the BIBLE. (Basic Instruction Before Leaving Earth). Biblical principles can teach you the following:  How to communicate with God; How to love and forgive yourself as well as others; How to overcome your private struggles; How to have a healthy marriage; and How to relate to wealth.

Its unfortunate that when it comes to making financial decisions, you often seek solutions to your financial struggles from a secular worldview. Regardless of your skin color, the level of your education, or the amount of income you earn, following the popular advice of  American Greed or other secular worldviews, can often lead you away from God’s best version of your life. Think about it; How much faith does it really take to get into debt?

Wisdom is the new wealth. Surround yourself with it.

You don’t sit down and consciously decide to borrow yourselves into financial bondage. Usually you are influenced by listening to others who are in financial bondage themselves and appear to be enjoying it. You know what I mean?

Your friend or family member buys a new car with the leather package, GPS , satellite radio, heated seats and sun roof. They give you a ride…and of course you ask how much they paid for it. They explain how easily the dealership leased the vehicle to them so they could afford the payments. You think to yourself, “I can afford that”  and you run down to the dealership to join the ranks of our consumer driven society that is fueled by consumer debt.

An investment in knowledge, is always profitable.

Bottom line is, you are a generation that has forgotten or never learned how to financially discipline yourselves to save for purchases and avoid debt. I challenge you to raise your financial IQ. Read the word of God and Christian authors who share God’s plan for relating to money. One of my favorite books that I recommend on finances, is by Lee Jenkins entitled, “Taking Care of Business”.Surround yourself with faithful stewards who are givers and savers. As you learn how to become more fiscally wise, share what you learn with family members and others in your sphere of influence. Don’t be discouraged if you don’t see immediate results.  Remember, keep praying, keep believing,  with God all things are possible.

Prayer of Blessing: Lord, teach us to live with wisdom.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast   a hub for all things; parenting, marriage, and self-improvement. He is president of the AIIA 2020 Convention & Trade Show and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”.

Walking in God’s Favor: I will make you into a great nation. I will bless you and make you famous, and you will be a blessing to others. Genesis 12:2

God’s Favor is Walking From Failures, With No Loss of Faith

Living a  life in Level 3 Stewardship of Surplus is a great place to be. Ardella and I have walked through this process of learning how to put our faith in God and not the blessings He provides..ie (Wealth, Education, Career, Good Health and Successful Children)When You Begin Believing and Walk In God’s Favor You Will Never Lose Hope

Level 3 Stewards have discovered how you walk in faith when experiencing life’s struggles and the storms of life. Faith is your  ability to walk past your current reality, while anticipating a fabulous future. Level 3 Stewards recognize God is the Creator or Owner and you are only a steward or caretaker.

To walk in God’s favor you must develop the inner discipline it takes to delay immediate gratification by surrendering lordship of your life to God. The Level 3 Stewards  can say “no” to the person in the mirror and “yes” to the will of God. Level 3 Stewards first seek and desire God’s blessings to shower down over their lives.

Hope Walks Through Disappointments, God’s Favor Leaps Over Them

Level 3 Stewards learn how to wisely look around the corner and plan for the storms of life or 5D’s (Disaster, Disability, Downsizing, Deployment and Death). You openly share how to prepare for the storms of life  or the 5D’s with your family, friends and meaningful others in your community.Level 3 Stewards acknowledge that it has been God who has brought you financially to this point in your lives, and you remember where you were in the years past.  Your daily prayer is ” O Mighty God, teach me to be Your faithful servant”.  Be encourage to live faithful to God and to walk in His favor. Your life can become a great example in your world of what a Mighty God can do in the lives of His people.

Prayer of Blessing: Lord teach us to walk in faith & favor.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast   a hub for all things; parenting, marriage, and self-improvement. He is president of the AIIA 2020 Convention & Trade Show and he is the financial & benefit risk manager with Hundley Batts & Associates Insurance Agency . Ardella Vance volunteers her time, talents, and financial resources to causes she is passionate  about. She is a gifted educator and a Master Guide in the Pathfinders Club, a global organization empowered to teach life and leadership skills to young people. The Vances have been married well over 30 years and share their lives with four adult children and ten exceptional grandchildren. They currently reside in Huntsville, Alabama and blog from their workbook “Stewardship of Wealth”

Walking in God’s Favor: I know the plans I have for you, declares the Lord. Plans to prosper you and not harm you; plans to give you hope and a future. Jeremiah 29:11 (NIV)

Great Communication Begins With Connection

Daily communion with God in prayer is the source of power and purpose in the Level 4 Steward’s life. In Him we move, live, and having our being. The challenge for Level 4 Stewardship is the ability to stay connected when you can have, do, and be anything you desire.

We agree with Barack Obama, the first African-American U.S. President and former community organizer when he says “Focusing your life solely on making a buck shows a certain poverty of ambition. It asks too little of yourself. Because it’s only when you hitch your wagon to something larger than yourself that you realize your true potential.”

The Most Important Things In Life Are The Connections You Make With Others

Level 4 Stewards have more opportunities than ever. It has taken Black Americans  in the United States 400 years of prayer, courage, and sacrifice to get us where we are today. Staying connected to God gives the  Level 4 Steward a vision that will positively impact many lives and make the world a better place to live.

Level 4 Stewards understand the importance of time and managing your time wisely. Staying connected to God in prayer is always the first priority in Level 4 Stewardship. A Level 4 Steward is aware that the choices you make today will impact future generations, so staying connected to the Source is critical to the success of your life’s mission.

Love Is A Spiritual Connection 

The Level 4 Steward’s thought process is to allow God lordship over your will, dreams and ambition. God’s blessings in the lives of the Level 4 Stewards will be a blessing in the lives of  others as well. God empowers the lives of Level 4 Stewards so they are an example of His love, joy, peace, long-suffering, kindness, generosity, faithfulness, gentleness, and self control.

Connectivity to God is the source of all blessings and love. Connectivity to people is how those blessings of love flow from the Source into the lives of others.  Level 4 Stewards understand the spiritual process of connectivity.

Prayer of Blessing: Lord, help me stay connected to You.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast  a hub for all things parenting, marriage, and self improvement. He is also the president of the AIIA 2020 Convention & Trade Show, and financial & benefit risk manager for Hundley Batts & Associates Insurance Agency    Ardella Vance is  a gifted educator and  a Master Guide in the Pathfinder Club, a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and ten grandchildren. They currently reside in Huntsville,  Alabama and blog from their financial workbook ” The Stewardship of Wealth“.

Walking In God’s Favor: Do not be shaped by this world; instead be changed within by a new way of thinking. Then you will be able to decide what God wants for you; you will know what is good and pleasing to him and what is perfect. Romans 12:2 NCV

Be Humble, Be Teachable, and Always Keep Learning.

We are so happy  and honored that our  grand-daughter was given the opportunity to represent Oakwood University/AL and to participate as one of the 8 student spotlights during  Facebook’s Virtual Graduation

Those Who Keep Learning, Will Keep Raising In Life 

Ardella and I have posted the wisdom and insights we have learned from our journey of becoming the best  version of ourselves  in 2020.   Our Stewardshipofwealth.com Team is committed to playing a significant role in encouraging you to grow in areas of  your life that need confirmation and clarity.

Here are some suggested reading to empower you in that process of becoming a better steward of your wealth and the best version of yourself.

1. Go Do Your Something – Lamont Dupree

2. Spend Well,  Live Rich – Michelle Singletary

3.  Wealth – It’s in Your Worship Not Your Works – Roland J. Hill

4.  Breaking Free from Financial Slavery – Deforest B. Soaries Jr.

5. Total Money Makeover – Dave Ramsey

6. The Dream Giver – Bruce Wilkinson

7. 80 Proven Ways to Become a Millionaire – Paul  S. Damazo

8. Everyday Millionaire – Chris Hogan

9. Debt Free  Degree – Anthony O’Neil

10. 12 Week Year – Brian Moran

11.  Power to get Wealth: No Money Required – Keith Douglas

12.  40 Days to a Prosperous Soul – Thomas Weeks III

Prayer of Blessing:  Lord, we thank You for the freedom to growth.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast  a hub for all things parenting, marriage, and self improvement. The president of the AIIA 2020 Convention & Trade Show  and financial & benefit risk manager for Hundley Batts & Associates Insurance Agency    Ardella Vance is  a gifted educator and  a Master Guide in the Pathfinders Club a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and ten grandchildren. They currently reside in Huntsville, Alabama and blog weekly from their financial workbook ” The Stewardship of Wealth“.

Walking in God’s Favor: But since you excel in everything—in faith, in speech, in knowledge, in complete earnestness and in the love we have kindled in you —see that you also excel in this grace of giving. II Corinthians 8:7 NIV

Hope Is being The Light, When Surrounded by Darkness

During these unprecedented times of COVID-19 many people are looking for hope. For many living rooms have become offices or class rooms. You can become a positive ray of hope by giving your time, encouragement and wisdom to others.

Among my family of orgin (Michael), our sister Vonseal’s life illuminated a spirit of hope. If you had big dreams or goals, she would become your biggest cheerleader. Even when others gave up on you, Vonseal continued to pour love, encouragement, and wisdom into you. She was a giver of hope.

April 21, 1954 – October 13, 2015

I can personally say, having Vonseal as a sibling was a tremendous blessing in my life. She supported and encouraged me (a young punk kid) to graduate high school and become the first person in our family to earn a college degree.

She was a tremendous blessing to our family, to a community of friends, and the world is a better place because she passed through it. Vonseal was a generous giver of her time,  and she was a generous giver of her love and hope to her family and friends.

When You Give Hope, Anything Is Possible

In our book  “Stewardship of Wealth” we describe Level 4 Stewards as generous givers. They are generous in giving of their time, they are generous in sharing of their talents, and they are generous in giving of their financial resources. Many of you have people in your lives or know someone who embodies the spirit of giving hope.

Ardella and I can personally acknowledge, whatever we give generously and cheerfully to God, He multiplies it back to us in so many ways. Jesus said in Luke 6:38 “Give and it will be given to you. A measure, pressed down, shaken together and running over, will be poured into your lap”. We are passionate about sharing our Financial Peace journey with meaningful others.

Give More To The World, Than The World Gives To You

Level 4 stewards are not only gracious givers, they are motivated out of their love for God and for people. The heart of the faithful steward says, “All that I have is Yours, Lord.” When you choose to give because of your love for God, He pours His favor all over your life. If you are seeking God’s favor all over your life, begin giving generously from a place of love.

As faithful stewards, you are examples all day, everyday, no excuses of God’s sustainable love for you. God loves you so much, He generously gave up His Son. His Son, Jesus Christ, loves you so much, He generously gave up His life. What are you willing to generously give up to make a difference in the lives of others and the world?

Prayer of Blessing: Lord empower us with Your spirit of giving.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast  a hub for all things parenting, marriage, and self improvement. The president of the AIIA 2020 Convention & Trade Show  and financial & benefit risk manager for Hundley Batts & Associates Insurance Agency    Ardella Vance is  a gifted educator and  a Master Guide in the Pathfinders Club a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and ten grandchildren. They currently reside in Huntsville, Alabama and blog weekly from their financial workbook ” The Stewardship of Wealth“.

Walking In God’s Favor: Give, and you will receive. Your gift will return to you in full—pressed down, shaken together to make room for more, running over, and poured into your lap. The amount you give will determine the amount you get back. Luke 6:38 NLT

The Soul That Gives Gathers

Why does it feel so good deep down inside when you give? The Word of God says it is better to give than to receive. Giving is optional. You choose to give or not to give. When you choose to give, it touches the very essence of your soul and pleases God.

Level 4 stewards give wisely of their time, talents or spiritual gifts and their financial resources so that their choices will honor God.  They are so connected to the Source, that they have learned to set boundaries that helps them grow spiritually.

A Person’s True Wealth Is the Goodness They Give In The World

Is it possible to give too much time and energy pursuing material riches? Jesus the CEO of the universe tells the story of a business man who was prospering financially.

All his time and energies were preoccupied with how to manage his overflow. Can you imagine having so much wealth that you, your children,  your grandchildren, your great grandchildren and your great great grandchildren could not spend it all in a lifetime?

Jesus calls this business man a fool because he did not recognize his soul was bankrupt and his spiritual life was in debt. This obviously successful entrepreneur was blinded by his addiction for more and more wealth.

Your Giving Should Inspire Others To Give

We believe Bill Gates, Oprah Winfrey and Warren Buffet all recognize that stewardship is a matter of the soul. Where you spend you time, share your talents or spiritual gifts  and give your financial support tells the world what is important to you.

We personally believe that God blesses you so that you can be a blessing to others. We want to encourage you to make giving a part of your spiritual DNA today. You will be amazed at what God will grow in your life when you sow into the lives of meaningful  others. It’s a matter of the soul.

Prayer of Blessing: Lord we thank You for the spirit of giving.

Michael J. Vance is the co-host of the Better Husband Father Man Podcast  a hub for all things parenting, marriage, and self improvement. The president of the AIIA 2020 Convention & Trade Show  and financial & benefit risk manager for Hundley Batts & Associates Insurance Agency    Ardella Vance is  a gifted educator and  a Master Guide in the Pathfinders Club a global organization empowered to teach life and leadership skills to young people.  The Vance’s have been married well over 30 years and share their lives with four adult children and ten grandchildren. They currently reside in Huntsville, Alabama and blog weekly from their financial workbook ” The Stewardship of Wealth“.