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The 4 Money Skills: What They Never Taught You in School

written by Bob Lotich, CEPF® | Managing Money

You’ve probably noticed something strange about money.

Most of us go through school learning everything from geometry to history, yet we graduate knowing almost nothing about managing money—a skill that affects every area of our lives. Here’s the good news: managing money is a skill, just like learning to play guitar or cook. Start small, focus on improving one area (earning, saving, spending, or investing), and remember—God has already equipped you to be a great steward. 🌱 #FinancialWisdom #moneymanagement
#financialeducation
#stewardship
#learnmoney

Despite spending 12+ years in school learning about everything from algebra to ancient history, most of us graduate without ever learning one of life’s most essential skills:

Money.

Think about that for a second.

We spend years learning how to diagram sentences and calculate geometric angles, but somehow miss learning the one skill that impacts virtually every human being and every area of our lives.

Here’s the truth that transformed my financial life:

Money management is a skill that can be learned – just like drawing, basketball, or playing the guitar.

But most people don’t see it this way.

Instead, they view money as this mysterious force that’s completely outside their control – like the weather or winning the lottery.

And so they feel powerless, thinking some people are just “lucky” with money while others aren’t.

I used to think this way too.

When you break it down, there are really just 4 core money skills:

  1. How to earn it
  2. How to spend less of it
  3. How to save it
  4. How to invest it wisely

Just like you wouldn’t expect to pick up a guitar and instantly play like Eric Clapton, you shouldn’t expect to master money overnight.

It takes practice.

It takes making mistakes.

It takes learning from those who are further along in the journey.

Once you understand that money management is simply a learnable skill, everything shifts.

You stop feeling helpless. You stop blaming luck. You start taking control.

Because here’s the beautiful truth:

Just like you can get better at cooking or photography or any other skill through dedicated practice, you can get better at managing money.

The key is to start seeing yourself as a student of money rather than a victim of bad financial circumstances.

Because the thing is, even if you have been dealt the worst financial hand in life, developing your money skills is only going to help you overcome it quicker.

If you’re ready to start developing your money skills, start small:

Pick ONE area – earning, spending, saving, or investing – and focus on improving just 1% in that area this month.

Remember: You don’t have to be perfect.

You just have to practice.

And as you do, you will get better!

Remember, God has given you everything you need to be an excellent steward of His resources.

The question is: Are you willing to put in the practice?

Your friend and coach,

Bob sign

Related posts:

  1. Yieldnodes Review (my honest thoughts and results 8 months later)
  2. Our quarterly planning day for our business (checklist & our exact process)
  3. Derrick Kinney and money attitudes holding you back
  4. Our Honest Medi-Share Review after 14 years

About Bob Lotich, CEPF®

Bob Lotich, CEPF® is a Certified Educator in Personal Finance and has over 15+ years experience writing about Biblical personal finance. He is the award-winning author of Simple Money, Rich Life and has been named a top 20 social influencer in personal finance. Check out his on-demand Christian financial class for couples, small groups and churches called True Financial Freedom.

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

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