Our vision

To lead you to financial freedom using biblically based financial principles. 

The cost? ZERO!


The Importance of Financial Literacy

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Getting started


the killer


the solution

Galatians 6:9

Galatians 6:9

Photo by doorkeepers on Unsplash And let us not grow weary of doing good, for in due season we will reap, if we do not give up. –

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Budget Binder

Budget Binder

In case some of you want to use a Budget Binder, I found this site that offers you a free download of the sheets that go into the budget binder. These sheets are as follows:

Cover Sheet
Debt Tracker
Savings Tracker
Monthly Bills
Monthly Expenses
Financial Goals
Savings Goals

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Thrift Savings Plan

Significant Changes Coming to TSP and IRAs from SECURE Act

Before adjourning in late December, Congress enacted a $1.4 trillion year-end spending bill that keeps the federal government running through Sept. 30, 2020. President Trump signed the legislation. Tucked away inside this spending legislation is the Setting Every Community Up for Retirement Enhancement (SECURE) Act which includes significant changes to individual retirement arrangements (IRAs) and retirement plans including the Thrift Savings Plan (TSP).

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4 Myths About Taxes in Retirement

When you’re planning for retirement, you want to make certain that your money lasts as long as possible (preferably as long as you do!). What’s one of the things that can derail an otherwise great retirement plan? Taxes.

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About Us

The MRHerrera website is here to offer you encouragement and tools to help you achieve financial freedom.

I lead financial freedom classes at our church. I counsel people individually on getting out-of-debt. Above all, I am Christian. I believe that God owns it all and we are His stewards. I hope that this site provides you with the information and tools you need to help you achieve financial freedom.

"Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it."

Malachi 3:10

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