I have believed for a long time—since I entered the financial industry nearly 30 years ago—that there would be a day when America and the world would go through some incredibly difficult financial times. I have known from my own research that demographically everything pointed to the year 2010 for the economy to roll over, but I think we are now on the front edge of that storm, perhaps two years prematurely. The economic winter—essentially a "Category 5" financial hurricane—has started, and I don't think it is going to be over anytime soon. Bounces will occur along the way, but the demographic winter is here to stay for the foreseeable future.








The first thing you must do in taking possession of your land—all God has prepared for you—is to take possession of your thoughts. There is a direct correlation between the quality of your thoughts and the quality of your life. What you think determines who you are, what you are, where you go, what you acquire, where you live, whom you love, where you work, what you accomplish, what you read and so on.
For the Lord says, "My faithful and righteous ones have [unknowingly] stored up for themselves multiplied riches in glory. For years they have sown—love to the unlovely, food for the hungry, intercession for the lost, mercy to the dying, kindness to the stranger, prayer for the saints and seed for My harvest. Through past seasons of plenty these righteous have not required My miraculous intervention.
Many of you know these are critical times for the church corporately and for each of us individually. We are entering into times such as we have never seen before.





