The Protection Plan: Give Yourself Some Credit

By Jonathan Rivers –

 Financial Literacy Excerpt, Vol. 1

There’s absolutely nothing wrong with wanting to create generational wealth for yourself and your family. In fact, the Bible encourages it. Proverbs 13:22 reminds us that “A wise man leaves an inheritance to his children’s children.” That means financial wisdom isn’t just about survival — it’s about strategy, stewardship, and legacy.

To walk in that wisdom, we must free ourselves from the fear and shame often tied to money. Financial freedom begins when we take charge of our credit and learn how to make it work for us. The first step? Build and leverage your credit.

Your credit score is more than just a number — it’s your financial foundation. It determines your ability to buy a home, finance a car, qualify for lower interest rates, and even impacts some job opportunities. Good credit opens doors; bad credit keeps them locked.

But it’s not enough to have good credit — you must also understand how to use it wisely. Leveraging your credit means positioning yourself to take advantage of opportunities that multiply your resources instead of draining them. It’s the difference between living paycheck to paycheck and building something that lasts.

In this ongoing financial literacy series, we’ll explore practical steps, tools, and platforms that can help you shift your mindset about money and credit — because when you change your thinking, you change your future.

To learn more, visit www.ucespp.net/Jrivers7 or contact me at 706.593.7800.