5 Steps to Maximize Your Financial Capital

capital (n): accumulated possessions calculated to bring in income; a store of useful assets or advantages

Financial capital is critical to grow any for-profit enterprise which in turn funds most not-for-profit groups. Yet financial capital is the last step – not the first step – in the process of capital maximization.

Here are the five steps spirit-led believers must follow to maximize financial capital.

Five Steps to Financial Capital

#1: Spiritual Capital

“However, when He, the Spirit of truth, has come, He will guide you into all truth; for He will not speak on His own authority, but whatever He hears He will speak; and He will tell you things to come.”  John 16:33 

Holy Spirit is the spirit-led believer’s pathway to supernatural answers to the problems no human can solve, opportunities, creativity, innovation, and productivity. Through fully connecting with and unleashing the mind of Christ (1 Corinthians 2:16) living within you, His revelation, wisdom, insight, and power propel you into all other forms of capital.

#2: Relational Capital

“Exalt her, and she will promote you; She will bring you honor, when you embrace her.” Proverbs 4:8

As your spiritual capital grows, God honors you with new connections, fresh opportunities, and unforeseen relationships with men and women of power and influence. In business, your relational capital boils down to, “Who returns your calls?” Your relation capital in large part is based upon the strength of your spiritual capital.

Here is where the supernatural connections of your spiritual capital manifests through unlocking doors of new influence, friendships, and relational impact.

#3: Reputational Capital

“Do you see a man who excels in his work? He will stand before kings; He will not stand before unknown men.” Proverbs 22:29

Reputational capital is your professional and personal brand, the credibility attained through your accumulative work, skills, or perceived market value.

Do not underestimate the potential leverage of your reputational capital. Recently a local group of business leaders whom I had never met knew all about me – my books, speaking, consulting, coaching, and national reputation.  I was humbled yet reminded that my reputational capital was more valuable to these men than anything I might know or my access to money.

Remember that your extreme skill in your profession opens amazing doors of access and influence.

#4: Educational Capital

“A wise man will hear and increase learning, and a man of understanding will attain wise counsel.” Proverbs 1:5

Educational capital includes all your acquired formal and informal learning. Whether high school, trade school, graduate school or professional certifications, educational capital gives you a foundation upon which to leverage your future financial capital growth.

#5: Financial Capital

“And you shall remember the Lord your God, for it is He who gives you power to get wealth.” Deuteronomy 8:18

Financial capital is all your current or potential access to monetary resources. Ultimately, the Lord is the one who gives you the power to get wealth. He is absolutely in favor of your financial and life prosperity, but not as the sole focus or goal of your life.

In fact, I contend financial capital is the least important of the five. Why?

If I have access to vast sums of capital but am considered void of educational credentials with a lousy reputation and minimal positive connections or spiritual foundation, I am of little use to anyone expect those completely devoid of faith, principles, and integrity.

Best Path to Grow Financial Capital

“But seek first the kingdom of God and His righteousness, and all these things shall be added to you. Matthew 6:33

Jesus said it himself. Focus first on growing your spiritual capital, and as you do, then all other forms of capital are sure to follow including your financial capital.

About Dr. Jim

Dr. Jim Harris is President of The Jim Harris Group, an international speaking and advising firm dedicated to helping believers in business unleash their unfair advantage in the marketplace. He is the author of Our Unfair Advantage: Unleash the Power of the Holy Spirit in Your Business and numerous other award winning business books.

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