Does God Want You Wealthy? Josiah Stowe: Dominion Wealth Strategists DMW#237

Stewardship, Wealth, and the Show’s Opening Reads

Why is being a good steward of our wealth so important as Christians? Let's find out exploring theology doctrine and all of the fascinating subjects in between. Broadcasting from an undisclosed location.

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Josiah Stowe’s Background and Path Into Finance

Guys we had Josiah stow on This week and we had a really good conversation. He is one of the partners in Dominion wealth strategists and we talked about. What it means to be a good steward of our money what it means to be disciplined and self-controlled in our budget.

What it means to be generationally thinking about wealth. Talked about Proverbs and You know a wise man not only leaving wealth to his children, but his children's children. We talked about the meaning of the scripture or I'm sorry the proverb and scripture that talks about a warning that the You know, the borrower is slave to the lender.

What that means is debt actually good or bad. We had some talks about You know the Ramsey effect on Christians Dave Ramsey and how we might disagree with some of those things. But what a great episode just to talk about money wealth policy Legislative acts that affect it and how we view money how we use it and how we build wealth.

Josiah I mean interesting dude grew up in California moved to Kentucky settled there Religious affairs specialist in the army then got into the financial aspect of things been doing that for a while. Well, we talked about his business and we talked about.

As.

His theology affects his view of money and wealth. I think the episode itself. We talked to him for about 30 35 minutes. So not too long, but long enough to really get into some stuff and I think you guys are going to enjoy it.

So, let's get into it, let's just you know, I'm not gonna talk about personal stuff this week. Let's get into because I think it's a really good episode. I think it's something that Christians are severely lacking on how to manage money how to build wealth.

We sometimes we look at money is like a bad thing. We have pastors misquoting All the love of money no, or you know money is is the root of all evil. What's the love of money? That's the root of all evil.

It's like no we are told to use money wisely. Stuart wisely. But to have money or to use money or to have wealth. Not an evil thing in and of itself as long as Christ is glorified in all that we do including finances.

So let's get right into it. Next voice. You hear will be me introducing or talking to Josiah Stowe from Dominion Wealth Strategist here we go. So Josiah welcome to the show. No, it's good. Good to be here.

Josiah Stowe’s Testimony, Army Service, and Reformed Convictions

So we just met recently and for the listeners give us like the origin story a little bit like maybe a little bit of your Testimony where he grew up. That kind of stuff. I saw you're in the army religious affairs specialist.

Like what was that all about?

Cool. Yeah, so it's actually born and raised in a rural Northern, California. The great Republic of roughing ready, California to be specific. It's a tiny little drinking village with a mining problem.

Like 550 people kind of small a little 18 acre ranch out there with my grandparents for at least the majority of my Childhood suppose 12 on at the very least my parents split up when I was very young.

So I kind of moved all over the place till I kind of settled there. Yeah, sort of origin story born and raised out there. Very dispensational upbringing. I was a hardcore dispensationalist for the first 19 years of my life until I joined the army.

I kind of got out of the MacArthur bubble. A lot of Bethel Redding what's as well. So sort of Baptocastle with the weird like name it and claim it Grave soaking sort of mentality a lot of why wham influence as well and then John MacArthur.

So it's like a grace Bible Church that also sort of speaks in tongues every once in a while or has that inkling. So did that for quite some time actually worked with a youth for Christ organization campus life, Nevada County.

So that was an interdenominational sort of ministry. And in 19 years just decided to join the army get out of California do something with my life because I definitely. Not enjoying the standard of living that I was able to afford there in California.

So ended up joining the army has a religious affairs specialist, you know wanted to you know. Serve God and country and I didn't have a master's degree. So that's how you do it. What does that mean? What is a religious affairs specialist?

Yeah, essentially it's a it's it's the rebranding for the chaplain assistant job. Okay, so used to be called chaplain assistant then people got a reputation. Chaplains assistants were like the worst soldiers in the army more or less.

No offense to you other 56 mics listening, but there's a reason for the the reputation and you know it. Having your first-line supervisor be a staff officer. You can get away with a lot. So did that for a couple of years, but essentially doing all the administration logistics operations integration technical support, right?

Being a bodyguard altar boy church secretary kind of everything you needed. They needed us to be as the only enlisted support for a staff officer a special staff officer to be specific. So you're essentially an NCO.

I see for those of you who are in the military or have a military background NCO I see as us as a private so it's it's a big job for. You step into very big shoes very quickly. And you have no support right because it's just you and the chaplain supposedly a unit ministry team.

But if you don't get along. It's gonna be a bad time. But did that in an infantry unit for three years deployed to Iraq tail end of operation in here. It was all kicking Isis out of reveal. So my unit got to sort of do the cleanup for the destruction of the capital of What used to be the Isis Caliphate?

Then came back home and again just served in the capacity of a religious affairs specialist essentially just taking care of people being a untrained. Very very much untrained. Therapist essentially for people who didn't want to talk to the chaplain.

They talked to me. Operations. Yeah, and a lot of suicide intervention and prevention. You're not okay point of contact for that, but they end up kind of tagging you a lot. You know, hey, hey, so-and-so said they were gonna do something.

You're gonna stay up all night with them. Great. So doing that for some time. So infantry unit for three years I was a up at garrison Fort Campbell for a few more years after that as the funds technician.

And that's kind of how I got into finance.

Okay, so then you get into finance out of the army and how is your theological journey? You raised kind of Baptist Costal and then where did you end up at? Yeah ended up distinctly reformed. So reformed Baptist specifically.

My grandparents bless their hearts very dispensationalist still although I think they're dropping the moniker very leaky dispensationalist in that regard. But my my grandma actually recommended RC Sproul as like a Hero of the faith someone to definitely pay attention to and to listen to.

With some caveats, you know, he's not right on everything. Supposed right. All right, so got into him and His series what is reformed theology pretty much just changed my mind on everything. It's like, oh, oh, okay.

Yeah, because I was looking for some sort of systematic and Schaefer's the dispensationalist Schaefer. Not the not the good one.

His.

Systematic theology wasn't really cutting it. It was very cut-and-dry not a whole lot of room for spirituality. Just the scientific method through and through. That's why it's so big. So yeah ended up stumbling on to RC Sproul through them James White and Jeff Durbin the Apologia crew and from them actually ended up pretty darn close with the Feast Network and the rest of the Moscow crowd.

So while I'm reformed Baptist, I would say I'm I've got CREC adjacent sensibilities. You're a rowdy Baptist a very rowdy Baptist which attending Albert Muller's Church 3rd Avenue here in Louisville is interesting.

Yeah, they told although although he's even Albert the last Year or so has been kind of getting fiery on some subjects. Abolitionism things like that. And you're going.

So I actually worked at the seminary for quite some time. I was the Executive administrative assistant to the vice president of operations and finance which wouldn't fit on a business card. Yeah. Right kind of helping them manage their 31 million dollar annual operating budget.

So I dealt with a lot of Organizational finance before moving into personal and a lot of just like why are you spending money this way? This is not this is not good stewardship and doing that with big numbers made doing that with small numbers a heck of a lot easier.

So is that why you veered into finance just that interest from working that job?

Yeah, essentially that and I got recruited into a Another financial services brokerage firm. So if they saw my background, they're like, oh great. You want to do personal finance instead? I was like, you mean I get to help save date nights instead of save bottom lines.

Sure. That sounds good. So ended up working there sort of dragged into it and then ended up really loving it. Just the the help that I was able to to the impact I was able to make on a personal level.

The numbers were smaller, but when you're helping people instead of organizations, it's a lot a lot more impactful.

Sure, so you get. How long are you there for in that job in that other company. About a year and a half.

So I've been on and off working in finance in some capacity for the better part of six years now.

Okay, and then you said. You know who cares about this safe job where I get a paycheck every week. I'm gonna start my own business and be crazy kind of like me. Yeah.

Yeah, sort of the other company was also 1099 because you're you're a independent non-captive brokerage agent. So instead of brokering Houses, you're brokering financial products and services. Okay, so it was still pretty rough rough and tumble feast or famine.

So now it's like oh wait, I can actually also control everything else not just who I get access to but the contract levels and Company culture and stuff like that. So when the opportunity presented itself for us to kind of jump ship and do our own thing.

That was a pretty quick jump.

Dominion Wealth Strategists and a Holistic Financial Model

Okay, so then you start Dominion Wealth Strategies. Is that just you. Do you have any partners or yeah, why start that business.

Yeah, Dominion Wealth Strategists is essentially because the clientele I was attracting the clientele that we were working with more or less pretty much exclusively really. Was the distinctly reformed community.

And the way you build plans for people who have a multi-generational Mindset is trying to maximize their net worth at death. That was very problematic for a lot of my up lines a lot of people who are above me.

Why are you doing this? This is eating into your commission and therefore eating into our commission. Why are you building plans this way like well, it's what they want. Um, so they were asking me to make a lot of compromises and to sell products that I wasn't super comfortable with weren't totally in the best interest of our clients and they were also like Really hardcore into the secret.

Um, and that sort of. That sort of christianity, uh christianity adjacent mentality.

So, uh, we disagreed on a lot and I was what do you mean the holy spirit is an obese black woman.

No, no, uh, nor do your thoughts generate some sort of magnetic field that attract things in the universe to you. All right. Uh, so having to deal with that pretty constantly was annoying but manageable.

Um, but then again when the opportunity presented itself to leave, uh, justin johnson, uh, the other partner in our firm Uh reached out to me and well, he was actually working for me at that other company said I've got some connections.

Uh, come look over here. I Obviously since he was one of my best guys, I said i'll look but just to disprove it You're you're working at the best place possible. Turns out we weren't so yoink. Off we went and started our own our own firm.

So what does that look like when you start a dominion wealth? Uh, is it strategist or strategies? Sorry? Yeah strategists. Uh, yeah strategist. Okay. So what's that? What does that practically look like?

Do you guys go grab an office? You're looking at leasing space. You're doing it out of your house when you first start. Like what does that look like?

Yeah, uh in order to keep operating costs as low as possible. We're all just independent non-captive working from our homes, right? Normally, I have a zoom background. Um, but it's it's pretty darn straightforward where.

Uh, we don't have a lease. We don't have electricity bills. We've got like a premium zoom subscription and uh. Continuing education costs the occasional licensing fee. That's it. Uh, so we kept our overhead really low.

In fact, the most expensive thing was definitely the corporate lawyer to set up our llc c-corp escort structure. We've got going on. Yeah, wyoming, you know for a little extra privacy. Um, so that that was a little expensive but everything else was pretty turnkey, right?

Just developing the the workflows that we're going to work out of uh, making sure that we're we're good on compliance that we uh, the. The llc that handles the securities the 401k is the investments. Uh is a distinct and separate entity from the one that just handles the insurance.

But then there's you know lead funnels back and passing back and forth. Uh, and that that's been interesting, um. Not the most fun thing in the world. But if that's the cost to be able to build financial plans without compromise, that's an easy easy answer.

Stewarding Money, Debt, and Generational Wealth

Yeah, so you talked about earlier about really maximizing wealth at death for the generationally minded. So what kind of services do you guys offer and what exactly does that mean? Yeah.

Um, so again in order to keep with compliance, uh, i'll say the the things that we have access to within our network. Uh, and when I say we that's what I mean for future listeners and if the sec is listening in.

All right. So dominion wealth strategist is a full service financial services brokerage firm where we do everything from baptism to burial. Uh, that's one of the taglines at the very least where essentially you need help with budgeting.

We'll help you with budgeting need to take dominion over your Direct personal finances. The money that comes in you need to be in charge of the money that goes out. Right and to do so carefully. So we usually save the average family three to five hundred dollars a month right there just itemizing everything and cutting out unnecessary expenses.

All right, we'll do everything we'll get as involved as you need us to. I even help the guy. Get his home re-insulated and get his windows replaced, uh, because he was spending like 500 bucks a month on electricity.

Right because he had like resistive heating and no insulation in his house. He ended up getting a tax credit on the back end for that. So we'll get as involved as we need to. We actually recently saved a family eight thousand dollars a month because he didn't know.

Uh where any of his money was going? Uh, his wife was apparently pretty aggressive with the amazon purchases. So eight thousand dollars a month right there, but we'll start with budgeting then we'll go through debt pay down.

Uh, we have I wouldn't even say it's proprietary. It's just unusual for the folks who are used to dave ramsay. We do the debt avalanche instead of the debt snowball because we're not trying to build Psychological momentum.

We're trying to pay off your debt. So we're going to tackle the thing that's charging you the most interest. And do it that way instead of trying to tackle the smallest balance.

All right.

But a debt pay down strategy debt consolidation loans if need be or if they make any sense which eight percent of the time they don't. And we'll even walk someone through the bankruptcy process if necessary.

Build up your savings account as well. Make sure you have a robust emergency fund. Uh will help you with insurance, right i'm all of our agents are licensed insurance producers so they can handle that part pretty easy.

That's a 20 hour online course one hour standardized test. So that's an easy way to get your foot in the door. Uh, and then a formal, uh referral off to dominion Securities, right? Uh dominion financial planning over there.

Uh, and we'll we'll get your 401ks your iras taken care of make sure you're investing well that particular company has been uh netting 15 returns over the last five years. All right, so very. Solid, uh with the investment strategy there a lot of um mutual funds etfs and tax loss harvesting.

And some things i'm not totally at liberty to disclose. And we'll also help with the state planning, right? Uh, you actually don't have to talk to a lawyer if you go through us. We'll make sure all the paperwork is taken care of.

All right, and you'll you'll we'll have to charge you for that. But a typical lawyer costs five grand and we're working through pricing right now. But it's going to be a heck of a lot less than that. So we do again everything.

Um burial baptism everything in between. Uh, just trying to to provide a holistic One-stop shop for all things financial for the church, right providing education advice and strategy so that they can take domain.

It seems pretty unique because um, you know, you go down the The street here to a uh, what is it edward jones or you know someone like that? They're very they're selling a few specific products and it sounds like the ones that They are being told to kind of push they might not necessarily do what's best for the client.

They're doing what's best for their either commission or for their brokerage. And it sounds like you get pretty involved all the way through. Um, I have you know, I think my personal, uh, Opinion is that is biblical but for those who are listening going maybe i'll play devil's advocate.

Why is that important for the christian to be? Uh financially stable, maybe even generationally wealthy. Uh one I would hear are some arguments I hear in my mind if i'm playing devil's advocate is hey.

Our kingdom isn't of this world. Uh, the dispensational might go. Hey, I might not be here much longer. I mean jesus is coming back any day now. That's an eschatology argument and i've talked at length on how that eschatology and and taking it to an extreme can really Hinder the great commission and the preaching of the gospel.

Um, but what why is in your view? Why is it important for a christian to be like I said financially stable or wealthy?

Yeah, because we're not gnostic ascetics. All right, first and foremost. We're not buddhists. Uh, the the answer to The corrupting nature of money is not just to get rid of all your money. It's actually to be better right?

It's a calling to be better. Um, so. You know a man cannot serve god and mammon, you know the love of wealth. Sure you don't love money for money's sake. Uh, but I like to uh misquote. Uh jr tolkien here, you know, I love not the the ira for it for its investments.

Uh, but I only love what it can provide. Um, so, you know, we want to make sure that christians are wealthy because the people who are wealthy have a lot of influence in.

This world.

By nature, right money is the economic authority to allocate resources according to your will. So the people who have it currently are mostly degenerates and they are allocating it according to their will.

But really the people who should be are the ones who have the right view of reality. Right. That's why we happen to work a lot with a crec folks and some reform baptists. You have a right view of reality.

So you should be the one who who has the resources to allocate. Right, uh, and it's not envy either. It's it's I have the objectively better view of reality. So I should be the one to have it. I should be the one to have those resources so I can steward them properly.

All right, better me than bill gates 100 of the time. Better me than jeffrey epstein 100 of the time. All right, so we really should have this desire to get wealth. So that the people stewarding it are better people.

All right, first and foremost as an argument there. Uh, secondarily wealth is built into the dominion mandate. Right work and wealth both ends. So if you haven't read, uh, david bonson's full time. I think he does a very good exegetical argument here.

I would essentially work was instituted pre-fall. Adam had a job to do right to go expand the garden. Uh, there's gold in the land of favela. Why are gold and precious stones useful, uh pre?

Economics.

Right, uh, because we we have some proto-economic arguments even in genesis, right? Uh, we we don't get like proper wealth or descriptions of wealth until abraham. He had a you know gold and livestock.

Um and and property. Right, uh, but we we do see the the sort of wealth being a result of good and faithful work. And so if you're going to do good and faithful work in this world Which I think every christian has a calling to do then you're going to end up wealthy.

And then you should know what to do with that wealth once you have it and the answer is not. The only good thing a christian can do with wealth is to give it up. The answer is a the best thing a christian can do with wealth is to multiply it as we see Many times in scripture with a good and faithful servant not bearing your talents, but actually making a return on investment.

In fact christ seemed to expect a 100 return on investment, uh to the servant. He gave 10 talents. He got 10 talents back the servant gave five. He got five talents back and the servant who buried his talents at least got His talents back you put your money in the bank.

You're losing three percent of your dollar per year. Uh, and you're you're being less faithful than the one who is chastised as a wicked servant. If all you're doing is keeping your money in the bank.

Financial Discipline, Budgeting, and Long-Term Stewardship

Yeah, it also sounds like too from your perspective like you said, uh talking about budgeting and and debt, uh relief and things like that. Um, you know big picture you just explained dominion mandate and things like that, but even from a.

Uh.

Biblical principle. Uh kind of angle, you know if you're if you're teaching which I think this this lacks, uh. Holy in the greater western church. You know just knowing how to budget and being um. And adhering to that is a form of discipline and self-control which proverbs in the bible commands us to have.

Uh, and I think far too often probably in your experiences as well. And as a real estate broker, I get into people's finances as well, and i'm not disclosing anything personal. But i've looked at finances and go.

Okay. There's a lot of lack of self-control and discipline and and.

Um.

And really the the biblical principles and characteristics that we are called to have right? So I I think it can be a teaching moment too for believers to train Other christians not only in financial literacy, but financial self-control financial discipline, right?

Like how to steward because like you just pointed out it's a biblical command to steward wisely. And that word wisely I think incorporates a whole lot. We throw around the word wisdom and discernment very loosely.

Sometimes I do too often on this podcast I try to define it as much as I can but those are big deep.

Expansive.

Words that encapsulate a lot of different things when you're having. Uh wisdom and discernment when it comes to financial matters, so I kind of see it as twofold. You're dealing with big picture things, but it sounds like your company is also dealing with some of those.

Um, I don't want to say minor but some of those things that go overlooked within within the church. Like it's it's amazing to me how many church going pew sitting christians are just financially illiterate.

And employ horrible financial practices that are anti-biblical anti-godly in and of itself, but yet our shepherds kind of just. Don't talk about it too much. Not that i'm saying the church should be all about money and you know.

We're not a seeker friendly steven furtick. Uh, let's talk, you know financial literacy classes. I'm not for that i'm saying I think it needs to be balanced. But would you agree that you're kind of dealing with both ends of the spectrum something big picture and also macro and micro level.

Yeah, well you have to start micro. Otherwise the macro never happens. Okay, so if you're faithful over a little god will sit you over much if you can't handle your own home's personal finances. What makes you think you can actively manage the investments in a 401k?

Okay, right. So we we need to start small. Let's get your budget nailed down. Do you know where every single dollar is going? Most people don't right the vast majority of clients we sit down with have never budgeted before or it's a spreadsheet that they maybe Reference every two or three months.

Right. Okay. Uh, so we usually recommend they get set up with some sort of app. That's going to do a lot of the discipline work for them. Right outsource it a little bit but something like rocket money or monarch or you need a budget, right?

Rocket money is free. So we tend to recommend that or at least the free version does everything we need it to right? But like take Take proper or count the cost like really how much money are you bringing in and where is it going?

Are you spending less than 50 percent of your money on housing? If you can all right, ideally like 27 27 ish percent but most people aren't hitting that metric not these days. But make sure that you're squeezing every dollar that you can out because like five dollars today could be 50 dollars by the time You retire.

If you're investing it wisely if you're stewarding it correctly, it's going to double what every seven eight years. So we're really going to want to make sure that we take dominion now early. And start stewarding wisely as soon as possible.

Again, a long-term goal for the company if every single churchman sets up an account with us and we double their money. Every seven or eight years. We're going to have too much money. Uh now we're going to start funding projects like oh, yeah.

Okay, every single uh, crec church gets a stained glass window. There you go. Go figure it out. All right, but we want beautiful churches. We want stone churches. We want yeah, we want Abortion to be lobbied out of existence in like five ten years and nobody could deny us because we have too much economic authority.

We're allocating, uh, the resources accordingly and people just move. All right. Um, so there's a lot of work we can do here money seems to be one of the knobs that we can twist that we're that the church has largely ignored or has claimed as.

Like some evil thing. Right now the rich young ruler give away all your money. That way you can follow me that sort of mentality because that's that's the point of that parable Um has really gotten into the church and that's why I think she's been largely fairly culturally ineffective.

Right the sort of retreatism and defeatism. Uh, you don't have to be post-millennial to take dominion over your finance. But it does help at the very least operational as sort of a background driver.

Uh, because we we do right we have a responsibility to do well and to support, uh, you know. The uh, what's it called human flourishing, right? Yeah, and christians have a distinct unique Monopoly on what actually constitutes, uh, the the systems necessary for human flourishing.

So we ought to be the ones who are in charge of it.

So what in your estimation professional opinion, what are some of the biggest obstacles?

Of.

A generational wealth for the christian in a secular humanist Economy. Because I look at it and I go this has got to be a you know. Take a you can eat an elephant a bite out of a time type situation. Because you look at The corruption in the federal reserve right a private equity company running our monetary services.

You you look at uh, how taxes are set up and and. So I I mean not even unbiblical but just uh, just horribly not spent and collected. You look at all these different monetary policies that that are just wretched in and of themselves.

Uh.

What are the obstacles? First and then two. How do we overcome those obstacles as believers who are trying to create generational wealth and stewart correctly?

Yeah, uh biggest current obstacle I see in actually cultivating generational wealth. Has been some really terrible advice that people treat as gospel. So those of you who are watching the video, you'll know who I mean those of you at home.

You're gonna figure it out all right, uh, so. Right. There's been a lot of really terrible advice given in the church stuff. That is legitimately harmful. I'd say If you're trying to pull an eight percent disbursement per year out of your retirement account and you run out of money.

You have one person to thank for that. Uh, and I think he's cost christened to billions billions of dollars. But okay, if we're talking zooming out from just poor financial education in the church, um advice that's useful up to about step four.

It's just awful beyond that. Um, then yeah I'd say the main obstacles seem to be this retreatist mentality or this I need The thing to be perfect and if i'm gonna put my money in it. All right, so I will not invest in the stock market because the stock market's corrupt.

Well, if you want your money to grow at 15. You're not going to be able to do that at a bank not that a bank's any better. Right or uh the infinite banking strategy that seems to be really popular. You're getting like five or six percent dividends.

You're gonna. You're gonna cut your own legs off when you're trying to run. It's not gonna happen. All right, so we need to invest wisely not not invest at all. If you want to avoid black rock state street vanguard as just moral moral principles, okay.

But if christians never take a controlling interest in those companies then surprise they're going to do secular things. All right, so I say a wise investing a careful investing and a strategized investing not just on the individual level.

But on the group level if we can take enough of a controlling interest, that's black rock's whole deal. They're investing other people's money. They're really only in the game taking a small assets under management fee in order to have control over those companies.

Yeah, if the christians did that surprise there wouldn't be dei there'd be like the reverse where okay. Okay, you're not going to have uh this this or this in your company anymore because those are Directly going against god's commandments.

You're going to be a more moral company because christians are now running the show right, um, so long term I'd say we just need to be thinking more long term if you if you're. If your ability to think long term is only about seven years long because the world's going to end in seven years.

You're not going to accomplish much not not really and it's going to be seriously truncated mccarthur has accomplished a lot despite his eschatology. Uh, but it's not because of it, right?