8 Bible Lessons That Will Make You Rich in 2026

[00:02] to money. And when I first started digging into this, I was truly surprised by how relevant these principles are in today's Russia of 1926. It essentially covers everything: how much to save, how to treat money, why

[00:17] invest, why some people are always broke, while others don't work hard but still have benefits. Of course, this video will not be about religious preaching. Today I'll talk about financial logic that has been

[00:30] talk about financial logic that has been working for over 2,000 years. And I ask you to think about each point and try to answer yourself honestly: how does this look right now in your life? Well then, let's begin. So, lesson

[00:45] one, the 20% rule. We read Genesis, chapter forty-one. Joseph, a young man who was sold into slavery by his own brothers , ends up in Egypt and goes through prison. through betrayal and ends up before the pharaoh. Pharaoh

[01:00] ends up before the pharaoh. Pharaoh has a dream: seven fat cows and seven skinny ones. Nobody can explain what this means. And Joseph says: “There will be seven good years, and then seven years of terrible famine.” Pharaoh tells this dream.

[01:13] Everyone is confused because it is impossible to understand which years will be plentiful and when there will be times of famine. Pharaoh asks Joseph how he sees the solution to this problem. To which Joseph replied: "Put aside 1/5, that is, 20%

[01:28] every year without exception. This is the only way to not be afraid of hungry children." Do you know why this story touched me personally? Because I myself was that very person who spent everything in the good months.

[01:41] Math never worked in my wallet. The more money went in, the less was left in the end. I have a pretty good story here. I do real trading myself. That is, this is not some kind of scam, I myself have a

[01:56] verified trender. This is how I earn my living, starting somewhere around 2008-2009. There are very big swings in trading. You can earn a lot of money, or you can

[02:09] earn nothing. And one day I earned a lot, and this amount was enough for me, well, but this amount was enough for me to buy a car. It was a Russian car, a regular Lada Kalina, but not bought on time, but

[02:23] bought, as they say, straight from the showroom, straight from the factory. What was the main problem? The fact is that I spent almost all the money on this, and then my mother got cancer literally about a year later. And all this caused, well

[02:37] , you know, such a wild decline in finances. I've already spent money, let's say, on a car, plus I need to live on something, plus my mother got cancer. As a result, I started to get into the brokerage account and started withdrawing money from the

[02:50] brokerage account because I needed it for treatment. And for a trader, this is essentially you getting into work. Here money makes money. If you don't have a brokerage account, you don't have a job. It doesn't work any other way. As

[03:02] a result, I essentially lost my job at that moment . It took me a long time to get going and recover after that. It took a very long time to do this. My mistake was that I had no buffer, no financial cushion, no

[03:15] personal investments. If they were, nothing like this would have happened. I would probably be much richer now if I hadn't started from scratch, essentially . My mother's illness essentially wiped out my income at that

[03:30] point. In fact, this is now called the 503020 rule. advisors sell it as some kind of their own methodology, but it's almost 2,500 years old, mind you. I have one question for you, but please answer it honestly. If tomorrow your

[03:45] please answer it honestly. If tomorrow your income drops or you, for example, get fired, God forbid, well, for example, you might withdraw your brokerage account, yes, for example, how many months can you hold out? How much? That's the whole

[03:57] answer, actually, to where you are. On days when you are well fed, you need to think about the hungry. Then hungry days will not break you and will not put your family in danger. Lesson number two is that the treadmill

[04:11] leads nowhere. Now let's talk about what the Bible says about why it's so difficult to put aside those 20%. Everyone talks about this: no one puts off putting off. Why is it so difficult? Vasya receives 70,000 and thinks: “If only I received 120,000 like Kolya

[04:26] then I would live in luxury .” Time passes and he actually receives 120,000. But after 3 months, Vasya is again living from paycheck to paycheck. It's just that before he used to go to Pyaterochka or Magnit to buy everything

[04:42] , but now he buys at Yandex-lavkas, switched from the metro to Yandexstasi, and buys an iPhone instead of an Android. His numbers started to grow, but his feelings about life remained the same . The Gospel of Luke, chapter

[04:57] twenty, clearly states that a person's life does not depend on the abundance of his possessions. Scientists in the 21st century called this hedonic adaptation. It's a bit of an

[05:09] abstruse term, I understand, but the essence is very simple and as old as the world. You quickly get used to good things, and the new standard becomes the norm, and you start to feel like you're not enough again, and it's the rat race again. But who forces us to constantly run on

[05:22] this treadmill? Open any social network. Every second video will be about a lifestyle, like some woman with these pouty lips, straight hair, and a watch. Mash, even I now, to fit

[05:37] into your cliche, am sitting with a million dollar watch. Do you understand? See what a beautiful picture and so on. You keep looking and thinking: “Oh, how I wish, how I wish.” Now imagine if all this weren’t tempting you, if you

[05:50] saw, for example, not social networks, but the reality in which we find ourselves, you would compare yourself with what is around you. If you were born in a village, the limit of your dreams was to have a good estate in this very village,

[06:04] or to make some kind of garden. I understand that from a financial point of view, you would be, for example, poorer if we compare you with a city dweller. But from a mental point of view, you were much happier. And these are not empty words. Here I am

[06:19] now, I am a rich man, that is, my income is calculated in millions and not rubles. That is to say, I am a very rich man. This is true. What is the main antidepressants for four years now, and I have anxiety-depressive disorder,

[06:33] and it doesn't go away. And I am more than sure that if it is not religion and something does not change, I will simply end up in Roskomnadzor sooner or later. That is, everything is heading in this direction . Here is already the straight finish line. It will come to this sooner or later.

[06:46] Why did this happen? Because it's a rat race. Because there is a picture, you need a house, you need this, you need that, you need a five and you run. As strange and paradoxical as it may sound, you really need to be content with little,

[07:00] with what you can afford. Lesson number three. About debts and slavery. In Proverbs chapter twenty-two it is written that the debtor becomes the bondsman of the debtor.

[07:12] Once again, not a client, not a borrower, not a debtor, but a slave. I even have an interesting instructive story. I have a friend and he fell in love. He fell deeply in love with one woman. And the woman, she was a narcissist. Everyone around a narcissist

[07:27] suffers except her. What was the problem? The fact that she was with her husband, and naturally, they have a love affair, and she tells him: "You

[07:39] since my husband and I haven't had sex for a long time. We have a child, but it's like we're different people." Well, this is a classic, in general, that they, women, narcissistically, always say the same thing , that’s understandable. Well, here's the problem,

[07:52] you see. So you live in your old parental house, here, well, there are no conditions, no normal toilet, no shower. How can I come here with a child? Come on, dear, think of something. That's what he came up with. He took out a ton of loans, and at a

[08:06] very unprofitable price. That is, it wasn’t even a mortgage. He took the money, they didn’t approve his mortgage, he took the money from credit cards, from a consumer loan, and from credit cards, from a consumer loan, and bought a 20 m² studio apartment. He made

[08:19] renovations there and started living there, but the loan was so unprofitable that he spent 70% of his income on it. It was Sochi. It was about 12 years ago, even more. Then he spent 1.5 million rubles on all of this. For 15 million. That was crazy

[08:33] money at that time. This woman comes to this studio and says: "Oh, this studio is cool." Well, you know, I won’t leave my husband, because, well, listen, well, this studio is 20 square meters, my child is 15 years old. Well, listen, do you

[08:48] think that the three of us will do anything here ? You, me, a child, you still somehow smell of pedophilia. Come on, think of something. That's what he came up with. He takes out another loan, sells the studio and buys himself a country house. But it’s a

[09:01] good, solid country house. That is, this is garden land, the house is designed as a summer house, but the house is block-type, albeit an old building. There were 40 or 60 squares. Everything was wonderful. Here his payment immediately increased. Before this he paid 70%,

[09:16] now he was paying almost 100. But luckily he had a girlfriend, who naturally put all this out. That is, they extinguished it together. This three years, I guess. Naturally, she did not move out from her husband under various

[09:29] pretexts, but at some point his income dropped. His income was his income dropped. A cash gap arose that pay off old ones. Well, in general, interest on interest plays its role, naturally.

[09:43] interest plays its role, naturally. So his debt of 1,700 grew, I think, to 2,800, almost 3 million. Then this lady comes again and says: “Listen, it’s a bit far from the city. 40 minutes there, 40 back. Listen, I

[09:57] live in the center, I won’t go.” Anyway, come on, think of something, and then I’ll leave personality disorder in women. Nothing can be done. I understand that you are laughing now, but women are narcissists, they all do that. These are the chmushnitsy. They

[10:12] make any man's life a nightmare. And they do it with a smile and do it with a smile and gradually. In the end, he sells this dacha. so to speak, it was a solid house . And he buys a residential garage, and

[10:24] . And he buys a residential garage, and such a big one, 120 m². Having bought this residential garage, this is a garage that has been re-registered as a residential space, he lives in this garage, and his debt has grown again, it’s already almost 4 million, something around

[10:38] that, closer to five, probably. At this point, this woman comes and realizes that she has nothing to say because it is located in the city center. 120 m², a bunch of rooms, everything is beautiful, that is, everything there smells delicious, and there is nothing else to cover it with

[10:52] leaves, that is, they part at this moment. As a result, he has loans for 5 million, a residential garage, and a huge payment. If it were n't for the girl he lived with and who had a good salary at that time , I don't know

[11:08] pay, I honestly don’t know. Ultimately, he sells this residential garage, pays off part of the loans, and moves garage, pays off part of the loans, and moves to another residential garage of 20 m, literally

[11:21] . And at the same time, he still has a debt of about 3, I think, still has a debt of about 3, I think, million rubles. There were no bankruptcy procedures back then. Then collectors were chasing him, he was hiding from them, they

[11:34] story. The debt gradually, naturally, grew. In short, it ended with him selling this residential garage and returning to the original point from which he started. As a result, his debt was about 3 million. That is,

[11:49] look, it essentially went to zero. This whole journey, all this time he was paying, he was nervous, he was stressed, he almost earned himself an ulcer there. This whole story took more than 10 years, literally. He

[12:03] was back to square one, and if there had been no bankruptcy proceedings, he would still be in debt. Do you understand how everything works? Even though he took out debts there, he paid off these debts, he paid everything all

[12:17] this time. The system is designed so that you are always in debt, so that you never get out of this debt. And this is not, you know, some kind of conspiracy. This is our state model. It is in the bank's interest for you to pay some

[12:31] minimum and always remain a debtor, so that you are a slave. It's in the marketplace's best interest for you to buy today and think about it tomorrow. For example, they tell you about installment plans on a marketplace , but in reality, you're signing up to be a

[12:46] , but in reality, you're signing up to be a slave to this debt. But there's something else . This is called good debts. Personally, I divide everything into two types. Debt for development is a good debt. A conditional loan for education that

[12:59] will allow you to earn more in the future is very good. A loan for a business that will actually work is also very good. But when you take out a debt, for example, out of emotion, it’s, of course, just a galley.

[13:14] Again, the same friend, just imagine, he is completely in debt. At the time of this story, he lived in a residential garage. This is a residential space, but it is located in a garage. That is, an ordinary garage has been converted into housing.

[13:27] This topic is very popular in Sochi, but not in the regions. And here is a residential garage of 20 m² and he has a robot vacuum cleaner there. I say: "Why do you need a 20 m² took it out on an installment plan. This is a loan for

[13:41] Here you are actually signing with your own hand that you are now a slave. Lesson four. Work, but not the kind of work you think it is. We're going to change direction a little now.

[13:53] If we open the tenth chapter of Proverbs, it is written there: "The lazy hand makes poor, but the hand of the diligent makes rich." I know what you're thinking now, but again, work harder, toil harder, be patient, and then you'll be rewarded. But

[14:08] I am actually the opposite. There are currently two such large policies. One of them cultivates, well, you know, this kind of hussle. That is, work you know, this kind of hussle. That is, work 20 hours, sleep 4 hours, make money and

[14:21] repeat it all over again. And on the other one, it’s purely, you know, some kind of Tibetan mood. Create passive income, lie on the beach, and enjoy yourself. Both are complete nonsense . For those who love passive income and the same

[14:35] life. The Bible clearly comments: "In all labor there is profit." Makes sense, right? Each job is indeed paid, but the meaning here is a little different. The word labor means action. And every deed gives you benefits and

[14:51] advantages. Not money, but something more. It fills you and makes you human in every sense of the word. That is, here, well, the difference is, in fact, huge. For supporters of shock labor with a torn, so to speak, you

[15:06] understand, what also found its own thesis. Ecclesiastes, chapter four, verse six. Better is a handful of peace than a handful of toil and vexation of spirit. In other words, it is better to earn less, but be in a resource, than to shovel and hate the

[15:22] whole world around you. One handful of peace is more valuable than two handfuls for which you paid with health, sleep, and relationships with loved ones. The point is not to, you know, work harder than everyone else. The meaning becomes a little different.

[15:37] You need to work less, but get paid more. These are two fundamental strategies. One leads to burnout, the second to balance and freedom. Lesson five. Fear that costs more. Gospel of Matthew, chapter twenty-five. The Parable of Talent. It's

[15:53] quite long, so I'd recommend you read it yourself. But to put it briefly, in my opinion, this is the most powerful story in the Bible about money. And now I will explain why. The story in this parable goes something like this:

[16:06] the master leaves for a long time and before leaving he gives money and talents to the servants. Talents were an ancient currency, and they represented enormous sums. To one he gives five talents, to another two, and to a third one. To each, so to speak, according to his

[16:19] ability. The first servant put five talents into business and earned another five. The second took two talents and earned two more. And what about the third one? The third one got scared and thought, “What if I lose it? What if I invest it and it goes bankrupt? The owner will come back

[16:35] and I have no money. It’s better, of course, not to risk it.” So he went, dug a hole and hid his talent in the ground. Well, that’s where, by the way, that phrase you’ve heard comes from: hide a talent in the ground. The owner comes back and says to the first one,

[16:48] “Well done, you were faithful in a little, and I will put you in charge of much.” He also repaid the second one , and the third one came out and said, “Master, I knew that you were a cruel man and would be angry, so I took my money and dug a hole.” And now I’m

[17:02] returning it to you. That moment, frankly, really got to me. The owner didn’t say something like, “Well, at least you didn’t lose it.” He said to him, “You are a wicked and lazy slave.” You should have at least given the silver to the merchants, and I would have received

[17:17] my own profit." He took this servant's talent and gave it to someone with 10. Do you understand what happened? They punished not the one who took a risk and lost, but the one who did nothing at all out of fear. In other words, inaction

[17:31] turned out to be the worst of all decisions. You know, that friend I was talking about, well, about the loans, he now practices hypnotherapy, and hypnosis. So, that's the kind of therapist he is. Due to the well-known

[17:45] unfortunate geopolitical events, demand for his services began to fall. That is, there are fewer clients, people can't pay at the same level. And so , naturally, he is sad about this , wondering what to do,

[17:58] how to get out of the current events. And literally 20 minutes before recording this video, he writes to me: " Listen," he says, "I thought of making an audio recording about hypnosis." "What do you think, if I put it up there, say,

[18:13] on platforms and try to sell it for 2,000 rubles, will it sell or not?" It seemed to be giving me advice, but in fact, before that, he asked me about 20 more questions: "And if I do this, will it sell or not? And if I do this, will

[18:27] you think? That is, he constantly doubts. He constantly doubts "Well, do it, try it, sell it, well, you'll see. If, say, they buy it there, then great, but they won't . Well, okay, so you wasted your

[18:42] time, so you wasted your resources there, and you're still sitting without work." Do you know what this tells me? What if people don't like it and give me negative reviews, it will lower my rating, and then

[18:54] I, as a hypnotherapist, won't be relevant because everyone is interested in reviews. I say, "Well, are there any risks?" And then, as if from above, he adds: “But if I sell these audio recordings for 2,000 rubles, and it turns out

[19:07] that the client buys the audio recordings for 2,000 rubles and then doesn’t come to see me for 7,000, I’ll tell him directly: “Well, Seryoga, look, a person came and bought a recording from you for 2,000 rubles. He realized that you are a good specialist. It's easier

[19:19] for 2,000 rubles. buy, yes, than spend 7,000, let's say, on an appointment. He will understand that you are a good specialist. If he doesn't achieve good results, he will come to you for 7,000 rubles. That is, he constantly comes up with

[19:32] some options, constantly seems to do everything right, seems to protect himself from risk, but what is the essence? The point is that he does nothing. The point is that he is wasting time. The point is that he sits without income, without clients

[19:46] and, essentially, does nothing, fearing new risks. Well, of course, you can't cook porridge like that. And indeed, as in the phrase: “Hide talent in the ground.” That is, the person is clearly talented; he is really good at

[19:59] talent here, but he hides it in the ground. For what? And in fact, he, well, this is not an isolated case. Everyone has some kind of buried talent. Before, when you were putting something aside, you thought, “Now I’m going to start investing,”

[20:15] and so on. Again, I can give my own example. I'm making money now, I have an online school. We sell investment courses and make money selling online training. I also make my own personal investments in the

[20:29] Russian stock market. And so when I say that I'm investing in the Russian stock market, I plan to make a lot of money on it, they always tell me: "Why do it? Russia is crap, Putin is so bad, everything is going to

[20:42] collapse now, and so on, and so on, and so on. Of course, it could collapse, that's inevitable . And every time, absolutely every time, when I, well, share that I'm investing here and there, they tell me that something will go wrong. When I

[20:56] invested in gold, which grew by 50% last year, they told me: "What an idiot I am, I'll lose money." Before that, I invested in cryptocurrency, which grew, it turns out, three or four times. That is, I bought myself a house with

[21:10] crypto. They also told me: "What an idiot I am , that I'll lose all my money." That that I will lose money, everything will be very bad. People are simply afraid of risks, but they don't understand that by being afraid of risks, By putting something off, you risk much

[21:24] more. Lesson six. Don't bet everything on one card. What if you still decide to take a risk and increase your talents? Ecclesiastes, chapter eleven. There 's a good phrase there: "Divide a portion of your wealth into seven, or even into eight,

[21:38] for you do not know what calamity will be on earth." Thousands of years ago, literally, as if some financial analyst wrote this in 2026. Look at what's happening around you. Bitcoin was plummeting at the beginning of this year.

[21:52] Gold skyrocketed by 50% last year, and it's up even more now, but sooner or constantly moving, everything happens dynamically, and this applies not only to

[22:04] investments. One profession may be unnecessary today, but in demand tomorrow. Ask, for example, programmers whose jobs are being taken over by neural networks right now. An employer may close tomorrow, an industry may

[22:19] collapse. If you One source of income, and you don't know if this source is some large corporation like Lukoil, although Lukoil has accumulated debt over the past 15 years, but you understand here, unless it's some large

[22:33] corporation, you must understand that there are good months, there are bad months, there are good times, there are bad times. You must diversify. What I'm trying to explain and what the Bible tries to explain time and time again:

[22:49] Diversification, diversification, diversification. Without diversification, you will constantly lose. What does this mean? It means that I have one job, I have the skills for another job. I am also involved in

[23:02] private investments. Even take my example. You watch this video, advertising some courses. That is, I have an online school, and we make money from the online school at the same time. I have apartments that are rented out as

[23:15] another source of income, and I earn something from YouTube. The third source income. I have private consultations. The fourth source of income. I earn money myself from investments. The fifth source of income. I have

[23:28] partnerships. The sixth source of income. That is, I have a ton of sources of income. If one of these were to fall, for example, I would still have a ton of others. It is clear that in bad times everything usually falls, but not everything will fall completely.

[23:42] I think this is the most adequate strategy at the moment. Lesson seven. When money becomes God. First Epistle to Timothy, chapter six. The root of all evil is the love of money. And it is

[23:56] important to understand and distinguish clearly. Not the money itself, but the love of money. That is, the love of money, and not the possession of it. These are very different things. Now on the internet there is, you know, a whole culture where success is essentially measured only by money. Have

[24:12] you all seen those stupid escorts? businessmen, vozduhans, from Patricks there or from Dubai. They are all vozduhans, all The infocygans are based in Dubai. It's a literal axiom. How much you earn, how much you're worth, those pouty lips, that

[24:27] straight hair, you know, it's all the same. Everything is the same. For them, if you don't have much money, you're considered a loser. You might even be, for example, not even a basic minimum. You're a complete

[24:40] loser, a nobody. But if you have a ton of cash, you're great. And it doesn't matter who you've deceived, how you live, go to hell , maybe you're sacrificing some relationships, health, time, children. Absolutely no matter.

[24:55] Anything to keep the numbers up. You see, money is for empty-headed people, and these people are empty, they're deeply ill in the mental sense of the word. I'm telling you here as a psychologist, in particular, it becomes the perfect tool for them

[25:10] , a yardstick. Of course, money itself is just a tool. Eh, and the problem isn't in The problem is in the person who holds it. Because if you give a million dollars to, say , a

[25:25] corrupt traffic cop in Stavropol, he'll most likely spend it on a golden toilet. But if you give that same million dollars to astronomer Surdin, for example, he'll make a telescope and watch the stars. It's the same

[25:37] amount, just completely different approaches. Well, and the last lesson, the only investment that won't be taken away from us. In Proverbs, chapter 16, it says: Proverbs, chapter 16, it says: "The getting of wisdom is far better than

[25:51] gold." Remember King Solomon? God offered him anything, that is, any desire: wealth, power, long life. But Solomon simply asked for wisdom and ended up getting everything else, because wisdom pulled

[26:05] right decision. And that's why this is the last lesson, because it makes all the previous eight work. Without understanding the 20% rule, it doesn't work. Because if you don't know where to

[26:18] Because if you don't know where to invest that 20% of your money, then you You'll end up losing. Without understanding, diversification turns into a chaotic scattering of money and a waste of that same money. Remember the people who bought all sorts of

[26:32] cryptocurrency based on advice from Telegram channels? They thought they were diversifying, but in reality, they were wasting money because they lacked the wisdom and understanding of how it all works and where to invest.

[26:45] Without understanding, you'll confuse debt for development with debt for cheap money. A person who doesn't understand how money works makes bad decisions. First comes skill, then the right decision, and only then will there be a

[26:59] result. And this, you know, is not a one-time action. It's an endless, one-time action. It's an endless, repeatable cycle, a process. You learn, try, make mistakes, adjust, and with each cycle you become more and more

[27:13] accurate. Invest in your head. Anything can be taken from you: money, assets, business. No one is immune now; times are such. But the fact that you're getting smarter now, What's in your head, no one will ever

[27:28] take away. You've probably heard a million versions of how some billionaire lived and lived and lived, everything was fine, then went bankrupt, sank to the very bottom, and then Because he had the skills and

[27:43] understanding of what exactly to do. Well, and the ending. Proverbs, chapter thirteen. A kind ending. Proverbs, chapter thirteen. A kind person leaves an inheritance to his grandchildren. Do you know what struck me most when I was putting this material together? Not the

[27:56] rules themselves. The rules are simple, each of us knows them. That is, put off, don't be greedy, don't take on unnecessary debt, study, work with your head. That's all clear. What struck me was something slightly different. These principles are thousands of years old. And yet we continue to

[28:11] step on the same rake. Each generation, as if we were born for the first time. That's it. Well, seriously. Maybe the problem is not that we don't Maybe the problem is not that we don't know this, but that knowing and doing are

[28:25] slightly different Things. So, in closing, I'd like to wish you all the best. I hope this lesson was helpful. As always, I'm Artem Zvezn. Check out our school using this QR code and get to know it. Happy

[28:39] QR code and get to know it. Happy earning.