By Stephen Phinney

God says the rain falls on the just and the unjust.  For our reading benefit, we could easily say the “money falls on the just and the unjust.”  I cannot tell you how many times I have heard a believer ask, “Why is it that God allows the ungodly to prosper while Christians suffer with little?”  The answer is found in reviewing the end-times.  The way one spoils a rich kid is by allowing him to get sick from spoiling himself.  As we look around at the end-times, we see an entire world prospering, but only for a season.  As with all spoiled children, people of the world only focus on others to get what they want, in order to spend it on their own pleasures.
“You ask and do not receive, because you ask with wrong motives, so that you may spend it on your pleasures” (James 4:3)
Typically, God avoids supporting anything that gets in the way of true dependence on Him.  Money has a way of leading people away from God, NOT to Him.  God uses all things to lead each of His children to call out to Him – not, his banker.  Believers are being awakened to the reality that their fight in life is not against flesh and blood, but the powers of darkness and the principalities of the air (see Eph. 6:12).  So many Christians today are deceived into thinking that what they see is what they are to battle.  As the Lord draws near, we can be assured that our battle with the world, the flesh, and the devil will intensify.  Worldly ideas of pop psychology will increase as the primary solution to our troubled minds.  More rapidly than most of us realize, the questions people ask are based on worldly fables called philosophies of man.  God is calling each of His children to call upon Him and He will deliver according to His divine Truth and Will.
Fear of confronting the enemy has held most believers back from boldly going before the throne of God regarding the temptations and afflictions of the enemy.  God’s greatest servants have always shared an appreciation of the magnificent power of prayer and the complete victory over Satan’s kingdom available to all believers, through the mighty Person and work of our Husband, Jesus Christ.
The book of Ephesians is the New Testament handbook on spiritual, biblical prayer.  Get to know this book like a handbook.  The believer’s emphasis in prayer must be upon a biblical and sound doctrinal approach to this subject.  The Word of God recognizes that we encounter the three faces of Satan—the world, the flesh, and the devil.  When a person becomes born-again, his/her relationship to everything in the physical, spiritual, mental, and emotional world completely change.  Since the believer is a citizen of heaven, he is given the power to face the enemy toe-to-toe.  Scary?  Well, look at it this way. Either we face him head-on or he will constantly be nipping at our heel—eating away our lives a little at a time.
To resist the limited power of the enemy, one must submit therefore to God first, then resist the evil one and he will flee.  It is a promise given to us by God (James 4:7).       
Because of our newly found relationship with God, all believers are marked targets for attack from God’s enemy—Satan.  Where does he seem to attack first? The love of money, of course!  Since the love of money is the root of Satan, I would think this would be his main area of attack.  If he can get the Bride of Christ to love money more than our Husband, believers will then begin to worship money and ultimately, Satan – a simple scam from a complex enemy.
Understanding that he is relentless in his attacks, believers must embrace the Truth that the Father has given them a defense system—the power of prayer. 
First things first, we must not depend upon feeling and experience as an evidence of our being strong enough to pray.  The power and ability to pray boldly is to be based upon objective fact and not upon subjective feelings.  The power of prayer is to be appropriated by faith and faith alone.  The following are the Four Phases of Effectual Prayers:
1. Personal Reflection & Confession

2. Praise & Adoration

3. Prayers of Supplication

4. Worship & Affirmation 

The following outline presents a biblical procedure for your, and my, personal reflection and confession time with the Lord.
Engage in an honest appraisal regarding your selfishness.  It is important to be open and honest with God about yourself.
Confess all known sin (1 John 1:9).  Verbalize your sins against yourself and others.  Confessions take back from Satan any ground which he has taken from you.
Extend forgiveness to those who have hurt you.  Unforgiveness is the primary reason most Christians don’t pray consistently.  List out who hurt you, how they hurt you, and your reaction.  Bring the offender and how they hurt you before Him and extend forgiveness to them in prayer.  Now confess to God that your reactions to these offenses are sin, accept His forgiveness, and tell Him you are willing to seek the offender’s forgiveness for those reactions. 
Yield yourself to God (Romans 6:13).  As an act of your will (displace your feelings), yield all areas of your life to Him—spiritual, psychological, physical, social, marital, parental, and financial.
Express your passion and desire for the Holy Spirit to renew your mind.
Believe with your mind that the Holy Spirit will fill you up with His power—remember to set your “feelings” aside and claim this by faith.
• Now obey God in all that He reveals and expresses in the Scriptures and begin to pray doctrinally.
Walking after the Spirit is absolutely essential if we are to bring praise and adoration before the Father.  When God said to enter the courtyard with thanksgiving and prayer, He was quite serious.  That means in richness and poverty.  We must learn to “abase and abound” as an equal gift from God.  Many Christians attempt to praise God while having “things” in their lives they are not thankful for.  Philippians 4:6 says: “Be anxious for nothing, but in everything by prayer and supplication with thanksgiving let your requests be made known to God.”  It is difficult, if not impossible, to pray and supplicate with anxiety in one’s heart.  The way to remove anxious thoughts is through thanksgiving! “In Him, you also, after listening to the message of truth, the gospel of your salvation—having also believed, you were sealed in Him with the Holy Spirit of promise, who is given as a pledge of our inheritance, with a view to the redemption of God's own possession, to the praise of His glory” (Eph. 1:13-14).  Thanksgiving and praise for what He has accomplished for us through the Holy Spirit of promise is enough to be thankful for in spite of our infirmities.  Prayers of praise and adoration are simply admiring the Person and work of God no matter what circumstance we are faced with.  It is crucial to acknowledge before God that we are grateful for all things, before we petition for all things.
Intercessory prayer is the practice of praying or applying the objective, absolute Truths of the Word of God as the hope and basis of resolving our prayer burden.  God loves for us to pray His Word back to Him - claiming His attributes, promises and redemptive work as the foundation of our faith and hope that He will answer our supplications.  The hope and solution of the prayer burden, however, is always based upon the objective absolutes of God’s attributes and character as revealed in His Holy Word.  
Experienced prayer warriors know that using their own ideas, or words, accomplishes nothing; but by using the Word of God in prayers, the enemy shutters and backs down.  He, the enemy, cannot stand when the Word is used to combat the elements of his doings.  Quoting verses while praying is what puts the enemy in his place—dark places.  When we attempt to confront the tactics of our foe by using our own sincerity and efforts, we will soon discover he is not intimidated by us or our efforts.  Doctrinal praying should occupy much of our daily prayer time.  It must be used in praise, petition, and intercession.  Herein, lies one of God’s greatest gifts to us for our prayer times.  
Believers have a supernatural resource of wealth and riches in the grace and gifts bestowed upon us in the Lord Jesus Christ.  The Truths are ours for claiming power, position, authority, and total victory over Satan’s world, which actually belongs to God the Father.  The believer’s victory over the enemy is absolute when the enemy attempts to use God’s Truth to defeat us—his primary tactic of deception.  
“For though we walk in the flesh, we do not war according to the flesh, for the weapons of our warfare are not of the flesh, but divinely powerful for the destruction of fortresses.  We are destroying speculations and every lofty thing raised up against the knowledge of God, and we are taking every thought captive to the obedience of Christ” (2 Cor. 10:3-5).   
It is important we learn to pray aggressive biblical prayers for family and friends who we believe are struggling with the bondage of the love of money.  Pray this prayer aloud when led to intercede for an individual.

My dear heavenly Father, in the name of our Lord Jesus Christ,

I bring myself before You and ask for the Holy Spirit's guidance that I might pray in the Spirit as You have taught me.  I thank You, Father, that You have sovereign control over all my money or lack of it.  I thank You for the level of material possessions that you have placed in my life.  In the name of the Lord Jesus and as a priest of God, I ask for mercy and forgiveness for the sins of the love of money, which grieve You.  I plead the sufficiency of the blood of Christ to meet the full penalty that my sins deserve.  I claim back the ground I have yielded to the enemy in my life, which I have knowingly, or unknowingly, given to Satan by believing the enemy’s deception.  In the name of the Lord Jesus Christ, I resist all of Satan’s activity to use Your money or possessions that You entrusted to me.  Exercising my authority, which is given to me in my union with the Lord Jesus Christ, I pull down the strongholds which the kingdom of darkness has formed against me with the love of money.  I smash, break, and destroy all those plans formed against my mind, will, emotions, and even my wallet.  I destroy in prayer the spiritual blindness and deafness that Satan has perpetrated against me. 
I invite the Holy Spirit of God to bring the fullness of His power to convict, to bring to repentance, and to lead me into faith in the Lord Jesus Christ – my Savior.  I cover myself with the blood of the Lord Jesus Christ and I break Satan’s power to blind me to the Truth of God.
I believe that You, Jesus Christ, and the Holy Spirit are leading me to claim my freedom in You and I thank You for the answer to my prayer.  In the name of Jesus, I joyfully lay this prayer before You in the worthiness of His completed work.  Amen.
Now, we can talk about praying for money with a biblical and Christ as Life manner.

Scripture  taken from the New American Standard Bible, © Copyright 1960, 1962, 1963, 1968, 1971, 1972, 1973, 1975, 1977, 1995 by The Lockman Foundation. Used by permission.
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