Men. Intelligent.™


Challenge #14

Don’t start before completing Challenge #13.
If you want to join the IntelliMen Project, start from Challenge #1.


Challenge: Create the discipline of regularly saving a certain amount of money.

Explanation: One of the main characteristics of a man is to be a provider. A man fights so that he will never be a burden to anyone. When he assumes the responsibility of caring for others, a wife and children for example, he fulfills that obligation.  An intelligent man is a hard-worker, but not only that. He does not simply do manual labor, he is especially good at using his head. Intelligence makes him conscious of money matters — if he always spends all the money he receives, he will soon go broke.

There is desirable treasure, and oil in the dwelling of the wise, but a foolish man squanders it.
Proverbs 21:20

Your challenge, from this week on, will be to develop financial discipline so that you are not constantly spending all of your money. Organize to regularly save or invest a percentage of your income. It doesn’t matter how much you make, it could be millions or the lunch money your Dad gives you for school lunch. What’s important here is the principle and discipline.

Consider this proposal that is followed by many millionaires: the 10-20-70 principle. Simply put it means: “give back 10% to God, save or invest 20% and live on 70% of your income.” The secret is to follow this order exactly. If you pay your bills and buy your groceries first, then set aside your savings or investment second,  and only then think about your tithes, chances are you will not have anything left over. You have to develop discipline. God first, then your future, then the present.

Don’t tell me you can’t do this. If things are a little tight at the moment, you could lessen the 20% to 10% or make some cuts in your personal expenses. But NEVER touch what is God’s and do not neglect setting aside something for the future, no matter how small. (Obviously, our offerings to God come after we return our tithes. They can be taken from our savings, as an investment in the Kingdom of God, or from the money used for expenses, as a sacrifice.)

So this is your challenge. Start now. Make the necessary adjustments. Keep track of your money down to the smallest detail. Don’t be careless.

Notebook: Write about your decision to save money regularly. Specify which formula you’re going to follow: 10-20-70 or 10-10-80, etc. Decide where you will keep your savings, maybe you need to set up a separate bank account for that, or how you will invest your money. You may need to speak to a professional in this case.

Official Partner: Speak to your partner about the challenge: exchange ideas, thoughts on how you will continue to be disciplined, what habits you have to change, etc. (For those of you who are married, you will need to have this conversation with your wife. That is essential.)

Deadline: You may begin working on this task immediately and complete it before beginning Challenge #15. Try to get it done within a week. After a week, if you don’t have all the details ironed out, but are actively working on it, go ahead and start the next challenge. This should become a part of your life, it will always help you.

Post: After – and only after – you have completed the challenge, post your comments – on the IntelliMenWorld Facebook or Twitter page, (not on your own page) and write the following:

IntelliMen Challenge #14 done: I have begun to be disciplined in my finances… (Add any other comment about your experience doing this challenge.)

Links: (when tweeting, use @intelliMenworld)


Verification Checklist

I began to be disciplined with my finances
I wrote about my decision and formula in my Notebook
☐ I spoke to my Partner about the challenge (and with my wife, if married)
☐ I posted a comment on Facebook/Twitter


Just for laughs

What changed from 1990 to 2013.



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22 Responses to “IntelliMen Challenge #14”

  1. TyelovesGod nana 4 years ago

    i don’t receive money at the moment but whatever comes into my hands i know i will save

  2. As an intelliman I have leaned to be a provider for my family

  3. jeremia 4 years ago

    As an Inteliman from this massage i have gained more courage to provide for my family and first of all never to forget God comes first in whatever i recieve

  4. IntelliMen Challenge #14 done:I have applied discipline to my finances and the experience has not been easy because I have been really careless in that department but I hope it will help.

  5. ike moeng 4 years ago

    IntelliMen challenge #14 done:I have applied discipline to my finances and decided to start a savings with African Alliance which is more of a long-term investment and will be saving up about 25% of my regular income.

  6. Intelliman challenge #14 done. That’s is really good challenge

  7. intellimen challenge #14 DONE: I have applied discipline in finances and now i started to save money!

  8. Alimamy Kanu 4 years ago

    Challenge 14# done. I have start to manage my finances and balance my money in terms of what more important and what is not.

  9. Gabby Amoako Brent 4 years ago

    IntelliMen Challenge #14 done What I learned that I need to discipline to my finances and save money.

  10. intellimen 14″ done.yes its true a man who does not know to save his money can not take care of his family.first of all we have to give the tithe after buying what we need we must always have something to save.for it will be like this.10(tithe.70 (spending.20(saving.l believe with this l will manage to take care of me and my family.

  11. Intellimen challenge14
    I have already a program of spending my money. I save aside some money for case of emergency. I budget for transportation, food, clothing. I will save R50 aside each month.

  12. Intellimen challenge 13 done# in this challenge i haveearnt to be more polite and be a gentle men instead of being hasy and rough at times

  13. Andile maAndzoo Luvuno 4 years ago

    I love this challenge because I’m saving money its how I descipline myself into becoming a REAL MAN.

  14. Guilherme Lucas 3 years ago

    intellimen challenge #14 DONE: I have applied discipline in finances.

  15. Bongani Dube 3 years ago

    IntelliMen Challenge #14 done: I have applied discipline to my finances, first I must separate my tithe second put 20% of the money in my savings account and I can do whatever I want with the money but it must be the things that I need otherwise I wont buy anything if its something that I don’t need

  16. IntelliMen challenge #14 done. for me this challenge was a challenge timewise, when it comes to time i do not have discipline and now have because of im not setting goals for my self i had no time to think of saving for tomorrow but now i am applying this discipline and its helping me alot

    thanks to intelliMen

  17. Mduduzi 3 years ago

    IntelliMen challenge #14 done. This challenge was very helpful in helping me plan and have proper budget for my finances.It has also helped me set goals on how I can increase my savings, reduce my spending and manage growth.

    Thanks to intelliMen

  18. Benny Okito 3 years ago

    IntelliMen Challenge #14: I have begun to be disciplined in my finances and many times I say I will save a certain amount in order to buy things I need but sometimes I tend to not save and spend it as I rather not sacrifice a bit. But now I have planned out my finance in how much will come in and what is needed to go out monthly in order for me to achieve my financial goals.

  19. Bp i learn a lot on ths challnge., to b discipline in my finances not to do anyhow, i programme mind to save from now. All. These challenges they made my life to improve evry week. Thnk you lord Jesus.

  20. Mhlangabezi 3 years ago

    Intellimen challenge14# done!!…..I have begun to be disciplined in my finances and it was and it still is a challenge for me. I’m kind of a person who likes to have what I want,when I want it,so for me I’m still adjusting a lot to complete these challenge perfectly

  21. Challeng 14done,it has never been easy at all but with the massage that i got in this challange i have move ahead with hope my life will never be same, am really so thankful for this massage.

  22. Paulo Mauzer 2 years ago

    IntelliMen Challenge #14 done: I have begun to be disciplined in my finances. Even though I just do a few photography gigs, I already separate my first ten percent to God. The problem was that I didn’t save a lot of money. But when I start working full time, in a couples of days, I will live on 70%. Of course, continuing the tithes and then saving or investing 20%. This was a very educational challenge for me, I really enjoyed this one.