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Invest and shop when it’s going good

And

Invest and shop less but still invest and shop when it’s going bad for you

Based on Genesis 41, the story of Joseph and the seven years of plenty and famine is a masterclass in foresight, planning, and crisis management. [1 (https://www.theologyofwork.org/old-testament/genesis-12-50-and-work/joseph-genesis-372-5026/josephs-successful-management-of-the-food-crisis-genesis-4146-57-4713-26/), 2 (https://www.youtube.com/watch?v=5kJUxjiMfLI), 3 (https://www.churchofjesuschrist.org/study/manual/old-testament-stories-for-young-readers/04a-joseph-prepares-for-hard-times?lang=eng), 4 (https://www.linkedin.com/pulse/unveiling-josephs-financial-wisdom-leo-marte-cfp-mba)]

The Story in Plain English

Joseph, a Hebrew sold into slavery in Egypt, gained favor with Pharaoh after correctly interpreting his troubling dreams. [1 (https://orionmagazine.org/article/the-joseph-strategy/), 2 (https://claudemariottini.com/2022/01/28/joseph-enduring-hardship/)]

• The Dreams: Pharaoh dreamed of seven fat cows being eaten by seven thin cows, and seven healthy heads of grain being consumed by seven thin ones.

• The Interpretation: Joseph explained that God was warning Egypt of seven years of intense, excessive abundance, immediately followed by seven years of severe famine so severe that the previous plenty would be forgotten.

• The Strategy: Joseph advised Pharaoh to appoint a wise leader to oversee the collection of 20% (one-fifth) of all food produced during the seven good years. This food would be stored in cities as a reserve.

• The Execution: Joseph was put in charge. For seven years, they stored so much grain that they stopped measuring it.

• The Famine: When the famine hit, it struck all lands. But because of Joseph’s planning, Egypt had food. People from all over the world came to Egypt to buy grain from Joseph.

• The Outcome: The stored food saved Egypt and surrounding nations, but the famine was so severe that eventually the Egyptians sold their livestock, land, and themselves into slavery to Pharaoh to buy food. [1 (https://www.biblegateway.com/passage/?search=Genesis%2041%3A53-42%3A17&version=NKJV), 2 (https://intrepideaglefinance.com/blog/fruitful-financial-decisions-in-the-bible-joseph-prepares-for-an-emergency), 3 (https://www.bibleref.com/Genesis/41/Genesis-41-53.html), 4 (https://www.crosswalk.com/family/finances/the-joseph-principle-flourish-during-times-of-famine-11579748.html), 5 (https://www.facebook.com/groups/youth.childrenministry/posts/322658461183160/), 6 (https://www.facebook.com/100044186241495/posts/if-i-read-these-verses-correctly-this-was-a-widespread-famine-such-as-the-world-/10157728629294306/), 7 (https://www.youtube.com/shorts/TFERTVRPSvI)]

Finance & Life Lessons to Learn

1 Economic Cycles are Inevitable: Just as seven good years were followed by seven bad years, boom times are always followed by recessions or personal downturns.

2 Save in Seasons of Plenty: Do not spend everything you earn during good times. Preparation protects you when circumstances change.

3 The "20% Rule": Joseph set aside 20% of the produce. This acts as a model for saving for emergency funds, retirement, or long-term goals.

4 Diversify & Secure Assets: Joseph built storehouses in all cities to store grain. This suggests diversifying where you store your value, rather than putting it all in one place.

5 Preparation Creates Leverage: Having reserves allowed Joseph to not only survive but also to help others and prosper during a crisis.

6 Act with Excellence While Waiting: Before becoming Prime Minister, Joseph served with excellence in prison and in Potiphar’s house. Your current struggle may be training for your next assignment. [1 (https://hopethroughhardtimes.org/what-is-20-about/), 2 (https://www.facebook.com/InternetMarketingNerd/posts/-the-joseph-principle-part-2from-promotion-to-economic-dominionjoseph-didnt-just/2561844520879457/), 3 (https://www.linkedin.com/pulse/wisdom-from-granaries-what-joseph-can-teach-us-smart-personal-morgan-ueqme), 4 (https://www.crosswalk.com/family/finances/the-joseph-principle-flourish-during-times-of-famine-11579748.html)

5 (https://www.facebook.com/100044186241495/posts/if-i-read-these-verses-correctly-this-was-a-widespread-famine-such-as-the-world-/10157728629294306/)

]

Steps & SOPs to Apply This Today

Here is how to apply the "Joseph Strategy" to your finances today:

SOP 1: The "Seven Years of Plenty" Budget (Good Times)

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1 (https://www.facebook.com/Philsaversandinvestorsguide/posts/i-learned-the-story-of-joseph-the-dreamer-there-were-7-years-of-good-harvest-and/746088871418316/)

]

•

Automate Savings:

Immediately set up automatic transfers to a savings account of at least 20% of your net income (10% for emergencies/5-7 year famine fund, 10% for long-term investments).

•

Live Below Means:

Build a lifestyle based on 80% or less of your income to avoid debt.

•

Aggressive Debt Reduction:

Pay off high-interest debt first to ensure financial agility when income becomes restricted. [

1 (https://biblehub.com/q/How_to_use_Joseph_s_resource_management.htm)

2 (https://hopethroughhardtimes.org/what-is-20-about/)

3 (https://www.linkedin.com/pulse/wisdom-from-granaries-what-joseph-can-teach-us-smart-personal-morgan-ueqme)

4 (https://www.facebook.com/Philsaversandinvestorsguide/posts/i-learned-the-story-of-joseph-the-dreamer-there-were-7-years-of-good-harvest-and/746088871418316/)

]

SOP 2: Creating the "Storehouse" (Emergency Fund)