Don’t Eat All Your Fruit

Psalm 128:1-2 tells us, “Blessed is everyone who fears the Lord, who walks in his ways! You shall eat the fruit of the labor of your hands; you shall be blessed and it shall be well with you.”

Doesn’t it feel so good to see and enjoy the fruit of your labor? Maybe you have recently started a business and it has taken a little while to pay off your investment, but you are finally starting to see a profit. Perhaps you have been in business a while and are using your profits to meet your financial goals. Recently, my husband and I booked our 10th wedding anniversary trip at a tropical destination where I will (literally) be eating fruit and enjoying the results of our hard work.

The Bible is clear that when we fear the Lord and walk in his ways, we will see and enjoy the resulting fruit – in our business context, that fruit is our income. However, the Bible also warns against consuming all that we earn… In other words, we shouldn’t eat all of our fruit!

Proverbs 21:20 gives us this warning: “The wise store up choice food and olive oil, but fools gulp theirs down.

In Genesis 41, God reveals to Pharaoh through a dream that Egypt is about to go through 7 years of plenty and 7 years of famine. Verses 34-36 show what God leads them to do: “Let Pharaoh appoint commissioners over the land to take a fifth of the harvest of Egypt during the seven years of abundance. They should collect all the food of these good years that are coming and store up the grain under the authority of Pharaoh, to be kept in the cities for food. This food should be held in reserve for the country, to be used during the seven years of famine that will come upon Egypt, so that the country may not be ruined by the famine.”

So how does this apply to your business? I think that God’s guidance in this area is clear if we take the time to look for it. While He desires to bless us when we fear him and walk in his ways, particularly through making our labor fruitful, He also desires for us to be responsible with the gifts He gives us.

He wants for us to enjoy our income, but He also wants us to prepare for the future. In your business, that means that you shouldn’t take 100% of your income and spend it however you would like. Instead, we suggest that you decide how much of your income you want to save for the future, how much of your money you want to invest back into your business, and how much of your money you want to put toward other areas like tithing, needs, wants, and financial goals.

The general guideline I use in my personal business is:

  • 10% Savings
  • 10% Reinvestment
  • 10% Tithe
  • 70% Personal needs, wants, financial goals

So, if I were to make $100, $10 would go back to my church, $10 would go into savings, $10 would go back into my business, and $70 would go into my checking account for my own personal spending.

For your business, my suggestion is that you look at your income and make those decisions for yourself. Because small business owners tend to have more variable income, I generally use percentages of income instead of specific dollar amounts, but you can do whichever works for you.

  1. What percentage (or dollar amount) are you going to save each month?
  2. What percentage (or dollar amount) are you going to reinvest in your business each month?
  3. What percentage (or dollar amount) are you going to use for personal tithing, needs, wants, financial goals, etc.

Selena Garrison is a direct sales entrepreneur, financial coach and COO of Catch Your Money! She can be reached at