WHY THE 70/30 RULE ISN'T ENOUGH: THE KINGDOM WEALTH EQUATION YOU NEED

INTRODUCTION: 

The Hard Truth About Wealth Creation

Every year, thousands of people set money goals. “I want to save more.”“This year, I’ll finally invest.”“No more impulsive spending.” But somehow, by the middle of the year, many are right back where they started — overwhelmed, paycheck to paycheck, or worse, drowning in debt. Why? Because managing money isn’t just about budgeting or making more. It’s about having the right equation — one that reflects your values, vision, and future.If you’ve ever heard of the 70/30 Rule of wealth (live on 70%, manage the remaining 30% wisely), it’s a solid start. But if you’re someone who wants to build kingdom wealth, make lasting impact, and not just survive, the 70/30 rule may be too simplistic for your calling.

The Problem: Good Rules, But Shallow Roots

The 70/30 rule teaches you to live on 70% and divide the other 30% for giving, saving, and investing. It’s a helpful beginner framework. But here’s the issue:

• It doesn’t prioritize tithing as a covenant principle.
• It lumps growth, giving, and legacy into one generic percentage.
• It fails to reflect the intentionality that building wealth in the kingdom truly demands.

You don’t need just a money rule — you need a wealth blueprint that reflects wisdom, scripture, and strategy.

The Better Solution: The 60/10/10/10/10 Wealth Rule

Let’s introduce the upgraded, faith-aligned model:

60% – Live Within Your Means

Discipline is the foundation of wealth. Living on 60% forces you to prioritize needs over wants. It’s not punishment; it’s preparation.

“If you can’t live on less than you earn, you’ll never grow what you earn.” – Dr. Olumide Emmanuel

10% – Tithing

This is non-negotiable. Tithing is not generosity; it’s covenant. It honors God as your source and opens the windows of heaven (Malachi 3:10). No tithe, no access.

10% – Investments & Business

You don’t save to become rich. You invest to multiply. Whether it’s real estate, partnerships, stocks, or launching a small venture, your money must be given an assignment.

10% – Personal Growth & Self-Development

Read books. Attend trainings. Get a mentor. Grow your mind. Your income can only grow to the extent your capacity does. Ignoring this is like expecting a tree without watering the roots.

10% – Generosity & Legacy Giving

Support others. Fund scholarships. Give to kingdom causes. You’re blessed to be a blessing. True wealth isn't just what you accumulate — it's what you release.

But What If I Don’t Earn Much?

That’s a common concern. But this rule isn’t about amounts, it’s about alignment. Whether you earn ₦50,000 or ₦5,000,000, the discipline of setting each naira in the right category creates a mindset of stewardship — and stewardship always attracts multiplication.

“God blesses order, not chaos. If you can’t manage ₦50,000, you won’t manage ₦500,000.”

Final Thoughts: Build Now for the Future You Pray For

This rule isn’t just about managing money. It’s about aligning your values with your vision. Kingdom wealth isn’t accidental. It’s the product of intentional obedience, wisdom, and structure. If you want to build true wealth — not just make money — start with a rule that reflects your faith, purpose, and future.

TIP:

1. Track your spending this week—see where your money is really going.
2. Draft a 60/40  budget that reflects your current income.
3. Commit to a 30-day trial. Don’t aim for perfection—aim for obedience and growth.

“If you think wealth is evil, stay poor and stop disturbing those of us who are trying to change the world through prosperity.” — Dr. Olumide Emmanuel

The journey of wealth creation starts with one intentional step.

Make yours today.