Food for Thought

President Marion G. Romney (1897–1988) taught: “Without self-reliance one cannot exercise these innate desires to serve. How can we give if there is nothing there? Food for the hungry cannot come from empty shelves. Money to assist the needy cannot come from an empty purse. Support and understanding cannot come from the emotionally starved. Teaching cannot come from the unlearned. And most important of all, spiritual guidance cannot come from the spiritually weak.”



What does it mean to be self-reliant?

When we are self-reliant, we use the blessings and abilities God has given us to care for ourselves and our families and to find solutions to our own problems. As we become self-reliant, we are also better able to serve and care for others. The Lord wants us to become both spiritually and temporally self-reliant.

How do we become self-reliant?

“How do we become self-reliant? We become self-reliant through obtaining sufficient knowledge, education, and literacy; by managing money and resources wisely, being spiritually strong, preparing for emergencies and eventualities; and by having physical health and social and emotional well-being.” 




Food for Thought

A goal is a standard, a skill, an ideal, or a destination that is to be achieved. We set a goal when we decide to accomplish a particular thing. Some goals, such as cleaning a room or reading a book, may take a short time to accomplish. Other goals, such as saving money to buy a new home or doing things to improve the love and peace within the family, may take months or years. Goals that will help us become worthy to dwell eternally with our Heavenly Father may take an entire lifetime. Some goals may not even be attained during a lifetime on earth, but may require additional effort in the hereafter.

In the scriptures Heavenly Father has stated His major goal concerning His work: “For behold, this is my work and my glory—to bring to pass the immortality and eternal life of man” (Moses 1:39). In order for His goal to be realized in our lives, we need to set goals that will enable us to make our lives productive and happy and that will help us be worthy to return to our Heavenly Father.



What do you want in the future for you and your family 5, 10, 15, Years down the Road?

What do you and your family need to be more self-reliant?

What steps you can take to help you get those needs and prepare for the future?


Food for Thought

“Leading a balanced life is difficult for many,” he said. “There is not an exact pattern for everyone, and even our own blueprint may change during different phases of our life. However, seeking balance—giving adequate time and effort to each of those things that really matter—is vital to our success in mortal probation. There are certain fundamental responsibilities we cannot neglect without serious consequence.”



Out of all of your needs which are the most important or pressing?

If you have several very urgent needs at the same time or a problem that seems to big to tackle what can we do to help ourselves overcome these obstacles?

How will putting the most important things first help us reach our goals even some of our wants?


Food for Thought

Properly employed, money can help us further the Lord’s work and provide us contentment and comfort. ...

Given the powerful influence money has in our lives, we might think that money management would be one of the most important topics discussed in our homes and studied in our schools. But for most of us, money comes with few instructions. We earn it, count it, and spend it...

The Lord has blessed us with everything we have, and He requires that we be wise and accountable for these blessings. This means that we use our resources responsibly. We need to remember that we may have earned something, but we did so only with the life, strength, resources, and help that Heavenly Father has given us.



What does it really mean to Live Within Your Means?

What changes can we make today that will help us Live Within Our Means?

What ideas can we think of that would help us spend less and save more?

Food for Thought

Begin to invest now while you have time on your side. The sooner you start investing, the greater your money will grow. Albert Einstein supposedly said: “Compound interest is the eighth wonder of the world. He who understands it, earns it. … He who doesn't’t, pays it.”9



Why is investing so important isn't saving enough?

How can we generate funds to invest?

What can we invest in?

How can we protect our investments?


Food for Thought

Prophets have counseled that everyone should have a budget.4 Budgeting is the process of pondering, planning, setting goals, and following through on our financial plans and goals. If you are married, you can develop your budget with your spouse. Most budgets include a monthly plan for expenditures by category (such as tithing, investments, food, housing, clothing, insurance, medical expenses, cars, entertainment, and so on) and then an annual budget for other planned expenses, such as Christmas, vacations, and birthdays. The total expenses should be less than the net income.

It is important to review expenses regularly, perhaps weekly, to assess the current status of the budget. When followed, a well-designed budget helps keep us out of debt. You can find sample budgets on numerous Internet sites, including and, and on many apps.



Why is creating a budget so important?

I stink at (math,staying organized...), so how can I budget & keep track of expenses?

Paying tithing is the single most important thing you can do to be self-reliant spiritually & financially. Why is this true?

Share an example of where paying a full Tithe has blessed your life?