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Five Wealth Secrets 96% of Us Don't Know by Craig Hill
If we gave 100 people $10,000 today, what results would we see one year from now? We would probably see 80% would have $0 left - 16% would have $10,500 - 4% would have between $20,000 and $1,000,000 - Why? Because 96% of us have never been taught to practice the Five Secrets that result in natural, supernatural, and generational wealth multiplication. Discover five simple biblical principles that anyone could implement, but most people don't. Implementing these Five Secrets in your life could radically change not only your current financial situation, but the financial future of your children and grandchildren.
151 pages, Paperback
First published January 1, 2012
91 people are currently reading
377 people want to read
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Displaying 1 - 25 of 25 reviews
September 27, 2016
A succinct, relevant, practical, wholesome/holistic, wise advice to manage wealth well
My pastor used to say "money is a good servant but a bad master". It's so true. A lot of us thought that we own money, but how we structure our lives, think about money, hoard money, spend money, is more like the money owns us. Craig Hill dig the Truth from the Bible that is highly relevant both for those who believe in the Bible as well as those who don't. You will learn a comprehensive, systematic, logical, and yet practical approach in managing wealth and your life through a very easy short read and narrative. Given Craigh's background in both business and family ministry, I find his explanation and articulation is very enjoyable and sensitive to our minds and hearts. Read it!
My pastor used to say "money is a good servant but a bad master". It's so true. A lot of us thought that we own money, but how we structure our lives, think about money, hoard money, spend money, is more like the money owns us. Craig Hill dig the Truth from the Bible that is highly relevant both for those who believe in the Bible as well as those who don't. You will learn a comprehensive, systematic, logical, and yet practical approach in managing wealth and your life through a very easy short read and narrative. Given Craigh's background in both business and family ministry, I find his explanation and articulation is very enjoyable and sensitive to our minds and hearts. Read it!
February 6, 2025
This book tries to outline 5 biblical principles in regards to finances. But it often falls short on many grounds. The whole 96% vs 4% example lasts throughout the book and I’m not sure how much this binary example illustrates the reality of finance. Then it starts to venture into ideas that are kind of difficult to accept saying that Satan has made people take more debt and making it sound like predicting economic cycles is just looking at couple charts. I kind of lost it when the author shamelessly promotes his own resources and websites numerous times through the characters. I’ve never seen any book do that and it was just too hilarious.
But there are some redeemable parts to this book. The rules overall are broad yet valid guidelines and important to know although the book doesn’t really go into actionable details. The second rule overall spoke to me the most about provision vs vision. It did make me reflect about what my calling in life is because that’s a concept I have long forgotten. Its effort to try to connect relevant bible verses into each principle was successful more or less. The “meek” idea was interesting and I found it valuable. I think this book helps to start thinking about biblical financial life, but it falls short of finance books that are actually helpful and written by people with a background in finance (author holds a degree in geology and Russian).
But there are some redeemable parts to this book. The rules overall are broad yet valid guidelines and important to know although the book doesn’t really go into actionable details. The second rule overall spoke to me the most about provision vs vision. It did make me reflect about what my calling in life is because that’s a concept I have long forgotten. Its effort to try to connect relevant bible verses into each principle was successful more or less. The “meek” idea was interesting and I found it valuable. I think this book helps to start thinking about biblical financial life, but it falls short of finance books that are actually helpful and written by people with a background in finance (author holds a degree in geology and Russian).
March 8, 2021
Five Wealth Secrets 96% of Us Don’t Know
builds on Craig Hill’s earlier book, co-authored with Earl Pitts, titled
Wealth, Riches and Money: God’s Biblical Principles of Finance
. Both books are Christian/Biblical based.
Five Wealth Secrets is written as the narrator, called Papa, is teaching his son, Isaac, these five wealth secrets throughout Isaac’s life – from childhood into adulthood. In later chapters, Papa begins teaching these principles to Isaac’s childhood friends who haven’t fared as well in the financial department of their lives as Isaac has.
As I read and implemented the principles set out in the earlier book, Wealth, Riches and Money , and I saw my finances improve significantly in the last year, it was easy for me to buy this newest book. It was a quick read. Now I am implementing these five principles – one at a time, in sequential order as laid out in the first book.
I will give you a list of the principles, but you need the book to explain them and gain understanding.
Principle used by the 4%
1. Manage money in 5 jars
2. Focus on Vision
3. Invest in Things that Multiply and Never pay interest (Use no Personal Debt)
4. Anticipate and Prepare for Cyclical Economy
5. Leave an Inheritance for Two Generations
For anyone who finds themselves in a money trap and wants to find a way out, I highly recommend the above-mentioned books.
Five Wealth Secrets is written as the narrator, called Papa, is teaching his son, Isaac, these five wealth secrets throughout Isaac’s life – from childhood into adulthood. In later chapters, Papa begins teaching these principles to Isaac’s childhood friends who haven’t fared as well in the financial department of their lives as Isaac has.
As I read and implemented the principles set out in the earlier book, Wealth, Riches and Money , and I saw my finances improve significantly in the last year, it was easy for me to buy this newest book. It was a quick read. Now I am implementing these five principles – one at a time, in sequential order as laid out in the first book.
I will give you a list of the principles, but you need the book to explain them and gain understanding.
Principle used by the 4%
1. Manage money in 5 jars
2. Focus on Vision
3. Invest in Things that Multiply and Never pay interest (Use no Personal Debt)
4. Anticipate and Prepare for Cyclical Economy
5. Leave an Inheritance for Two Generations
For anyone who finds themselves in a money trap and wants to find a way out, I highly recommend the above-mentioned books.
December 14, 2023
I had a friend a while back tell me that I needed to read this book when I was telling him how bad I was at money. Well, I waited a couple of years, bought a house and racked up a ton of debt, and then I read this book. Great, now I feel like a complete failure and am a little worried that I am going to be one of those individuals that the author talks about in his book. I see the worth of this book, and wish I would have read it like 20 years ago. Having read it now...I can tell you that even though this book is a good book and can change others. For me, I just feel like a failure and that I am never going to be able to get out of the 96% and be a "Good" man. If you are in a good financial state in life, read this book and hopefully grow and be in the 4%. If you are not in a good financial state like me, readers be warned, you might feel worse after reading this book than before. Good luck.
May 28, 2025
This is a short, insightful read packed with actionable lessons. It’s the kind of book you can get through quickly, but still walk away with practical tools and a fresh perspective on personal finance.
I wasn’t expecting such a strong religious focus, which may not be for everyone. For some readers, this could be a bit off-putting. That said, many of the principles shared are universal and can be applied regardless of your beliefs.
I didn’t particularly enjoy the final chapter or so, where the author promotes his other books through the storyline. It felt a bit self-serving, though I do understand that readers won’t know about your other work unless you mention it.
Overall, I do think this book contains valuable insights and would recommend it to others.
I wasn’t expecting such a strong religious focus, which may not be for everyone. For some readers, this could be a bit off-putting. That said, many of the principles shared are universal and can be applied regardless of your beliefs.
I didn’t particularly enjoy the final chapter or so, where the author promotes his other books through the storyline. It felt a bit self-serving, though I do understand that readers won’t know about your other work unless you mention it.
Overall, I do think this book contains valuable insights and would recommend it to others.
June 11, 2021
Great, easy to understand, and fast read. If you want to start caring about your finances in a biblical manner, this is an awesome book to start off with. My only "complaint" or "negative" comment would be that near the end of the book it just seems like it's advertisement to buy the author's other books. Personally I really dislike when authors do that, but it doesn't take away from the great information related to finances provided in the book. Also, if this book is good, his other books on finances are likely to be good as well. I just personally dislike when it seems like the book turns into advertising for other books.
September 22, 2018
Excelente libro la respuesta que buscaba justo en esa área.
Porque me ha dado una gran perspectiva financiera. No tengo deudas, y soy misionera por lo que me estaba preguntando colo hacer para poder vivir e invertir para el Reino del Señor. Mi iglesia me ha apoyado siempre financieramente, pero entiendo que puede llegar un momento en donde no lo puedan hacer más y por eso le preguntaba al Señor que podría hacer. Ahora se como debo orar y esperar iniciar un negocio o invertir en algo.
Porque me ha dado una gran perspectiva financiera. No tengo deudas, y soy misionera por lo que me estaba preguntando colo hacer para poder vivir e invertir para el Reino del Señor. Mi iglesia me ha apoyado siempre financieramente, pero entiendo que puede llegar un momento en donde no lo puedan hacer más y por eso le preguntaba al Señor que podría hacer. Ahora se como debo orar y esperar iniciar un negocio o invertir en algo.
March 25, 2021
The writing was a bit rough (cheesy at times), and the grammar occasionally had me wondering if Hill had an editor helping out, but the concepts themselves were provoking. I think this could probably have been communicated in a thorough article rather than a book, but I also recognize the power of story to ground otherwise vague concepts, so I appreciate what he was attempting to do. I ended the read feeling challenged, and I look forward to further and activity exploring these suggestions in my own life.
January 1, 2018
Five wealth secret
It is a rather long story telling book to educate the readers on how to achieve their wealth and outperform the mediocre population, it has practical methods inside the books on how to build up wealth. It will be better if the story can be more concise and cut short.
It is a rather long story telling book to educate the readers on how to achieve their wealth and outperform the mediocre population, it has practical methods inside the books on how to build up wealth. It will be better if the story can be more concise and cut short.
June 16, 2018
Good book worthy to spend time reading
I am particularly interested in the Jar System. I haven't known this before nor did I know it is the practice of Jewish people. When I began to adopt this strategy, I observed a surprising result. Thanks Craig Hill for passing such an important strategy.
Paul
I am particularly interested in the Jar System. I haven't known this before nor did I know it is the practice of Jewish people. When I began to adopt this strategy, I observed a surprising result. Thanks Craig Hill for passing such an important strategy.
Paul
April 26, 2020
Super great read for a timing such as this
Loved it. A very good friend suggested I read this and I am glad that I did. It’s a refreshing expression to the concept of stewardship. Thanks for the great work.
Loved it. A very good friend suggested I read this and I am glad that I did. It’s a refreshing expression to the concept of stewardship. Thanks for the great work.
August 22, 2020
Enlightening
Enlightening in so many ways. A must-read right now. Don't delay. I wish I had read this book years ago before I made my previous financial decisions but I'm thankful it's not too late if I act now.
Enlightening in so many ways. A must-read right now. Don't delay. I wish I had read this book years ago before I made my previous financial decisions but I'm thankful it's not too late if I act now.
April 20, 2022
Very enlightening! Strips away the myths of wealth and focuses on what makes a real difference in the real world. Not a 'get rich quick' scheme but more timeless principles that when applied will make a real difference in the reader's life.
November 21, 2024
En medio de tantos libros que repiten una y otra vez lo mismo, me parece que este es uno de los pocos que plantea ideas diferentes desde otro punto de vista. Estaba bueno nomas, aunque no es mi estilo de libros preferido.
February 20, 2019
Excellent!
April 26, 2020
Best ever
Beautiful! The most applicable book I’ve read in a while. It came as a recommendation and it is perfectly timed.
Beautiful! The most applicable book I’ve read in a while. It came as a recommendation and it is perfectly timed.
June 30, 2020
One of the best books I have read in awhile.
December 12, 2023
Lightbulbs are going off
I wish I learned these five wealth secrets at a younger age. I love the biblical foundation of these secrets. I’m implementing them now.
I wish I learned these five wealth secrets at a younger age. I love the biblical foundation of these secrets. I’m implementing them now.
July 3, 2015
"Wisdom is the basis for wealth" is the synopsis of this book; the application of Biblical OT principles by the Jews, indeed as a way of life more than a set of rules, is what a Jewish accountant attributes - when asked - to the astronomically better financial position of Jews over their Christian counterparts (in general).
This is not prosperity theology, but rather a stewardship book that embraces both the natural and the supernatural, practical advice as well as listening to what the Holy Spirit is saying.
Hill also introduces some countercultural thought, including the idea that debt is a demonic system used to enslave both individuals and the nation. He offers the idea of generational blessings that leave an inheritance for two generations and the principle of investing in multipliers.
Another paradigm shift is the focus on vision, rather than provision.
On the concept of ministry, Hill uses the same principles. However, I am a little hesitant whenever business principles are applied to ministry, even if they are found in the Bible. I understand what he is saying in using the Mina's as a qualifier for sowing into particular ministries, but I think there should be more emphasis, especially as it pertains to individuals, in the day-to-day reliance on the voice of the Holy Spirit.
Overall, a great read and one I wish for sure I had had in my early twenties.
This is not prosperity theology, but rather a stewardship book that embraces both the natural and the supernatural, practical advice as well as listening to what the Holy Spirit is saying.
Hill also introduces some countercultural thought, including the idea that debt is a demonic system used to enslave both individuals and the nation. He offers the idea of generational blessings that leave an inheritance for two generations and the principle of investing in multipliers.
Another paradigm shift is the focus on vision, rather than provision.
On the concept of ministry, Hill uses the same principles. However, I am a little hesitant whenever business principles are applied to ministry, even if they are found in the Bible. I understand what he is saying in using the Mina's as a qualifier for sowing into particular ministries, but I think there should be more emphasis, especially as it pertains to individuals, in the day-to-day reliance on the voice of the Holy Spirit.
Overall, a great read and one I wish for sure I had had in my early twenties.
July 6, 2013
I read this book with my husband, and we had many fabulous conversations through the course of this book.
The author creates a fictional father/son and writes most of the book as their conversation - a passing on of wisdom to the next generation of sorts. My husband's biggest objection to the book was how "perfect"/"ideal" some of the situations were, but that is part of the teaching aspect, in my opinion.
We now look at our finances differently. Sure, we were already on board with secret 1 and we kinda "got" secret 2, but the other 3 have completely changed our conversation and perspective regarding money. How cool it would be to leave a sizable inheritance to our grandchildren!
God's ways are eternal, and He really does know best. Modern "wisdom" in the area of finances falls short on many accounts. This is very much worth your time to read - it's a mere 139 pages!
The author creates a fictional father/son and writes most of the book as their conversation - a passing on of wisdom to the next generation of sorts. My husband's biggest objection to the book was how "perfect"/"ideal" some of the situations were, but that is part of the teaching aspect, in my opinion.
We now look at our finances differently. Sure, we were already on board with secret 1 and we kinda "got" secret 2, but the other 3 have completely changed our conversation and perspective regarding money. How cool it would be to leave a sizable inheritance to our grandchildren!
God's ways are eternal, and He really does know best. Modern "wisdom" in the area of finances falls short on many accounts. This is very much worth your time to read - it's a mere 139 pages!
July 20, 2012
This was an excellent book on understanding finances from a Christian perspective.
In this book, the author uses a father to discuss with his teenage son and into adulthood about finances. The teenager learns from his father what the Bible says and how to explore the 4% of the wealth secrets.
As an adult, the son realizes the values he learned about finances in his younger years and how everyone around him is more of the 96% group.
Understanding historical trends in the economy is essential to understand what is currently happening in society and how to best prepare our lives.
Anyone who is going thru financial turmoil or want to learn more about finances, this is a very excellent book to gain greater insight.
In this book, the author uses a father to discuss with his teenage son and into adulthood about finances. The teenager learns from his father what the Bible says and how to explore the 4% of the wealth secrets.
As an adult, the son realizes the values he learned about finances in his younger years and how everyone around him is more of the 96% group.
Understanding historical trends in the economy is essential to understand what is currently happening in society and how to best prepare our lives.
Anyone who is going thru financial turmoil or want to learn more about finances, this is a very excellent book to gain greater insight.
May 10, 2015
"In the business you are contemplating starting, if you find a way to serve the most people, you will make more money. Whoever serves the most people prospers most." ~ Craig Hill, Five Wealth Secrets 96% of Us Don't Know (Page 75, Paragraph 1)
I particularly liked chapter 2 in this book, which says, "The 4% believe that provision naturally follows vision. Thus they choose to focus on establishing clear vision with an exception that provision will naturally follow."
Craig Hill uses a father-son story format that is very effective to crystallize his message to his audience.
I particularly liked chapter 2 in this book, which says, "The 4% believe that provision naturally follows vision. Thus they choose to focus on establishing clear vision with an exception that provision will naturally follow."
Craig Hill uses a father-son story format that is very effective to crystallize his message to his audience.
June 8, 2014
Great model of important decisions in principles of personal finance. The story is a model of a wise father sharing knowledge to his son on living out a disciplined life when it comes to use of money.
November 2, 2016
Was loaned this book by LtCol Larry Henderson, retired army. Tremendous book. Reread it (its small), and have read portions of it to my children. Simple wise principals to live by.
January 25, 2014
Outstanding book...love the simple teachings described in an easy and understandable way. Highly recommend!
Displaying 1 - 25 of 25 reviews