The sermon title- Merchandise Standard- Offering message: Prov. 3:9, 10. You are to honor God with your first-fruits. You determine the first-fruits by faith. You don’t have to wait until you know what is your increase, but you can tithe on what you need. God wants us out of debt so God can use us more and more; debt is a trap. God wants to bless you. Prov. 3:13, 14 “Happy is the man who finds wisdom…” It’s not a sin to be happy. God wants us happy; happiness comes with wisdom. You can merchandize wisdom. God wants you rich. Rich means having more than enough. What is money? #1 Money is a form of exchange. It’s an exchange of time, talent, effort. wisdom. The first step is to exchange it. What do you have? What knowledge do you have? Wisdom is better than the exchange of gold or silver. You can make money from your wisdom if you exchange it. #2 Money must move. It blesses every time it moves from one person, business, or place to another. Accumulation stops economies and money. God’s kingdom’s basic principal is for us to give. Giving is part of the godly movement of money. Matt. 25:14-21 is the parable of the talents. Focus on your gifts and what God has given you. Exchange what you have and can do with wisdom. The fear of loss keeps you from moving money. Stewardship is taking what you have and multiplying it. Being faithful with what God has given you allows us to enter into the joy of the Lord. III John 2. [Eph. 5:28, 29].