Make Manage And Multiply With Pastor Andy Ragland

Beginning this month, I am spotlighting those in the African American community who are working to close the wealth gap. Read about Pastor Andy Ragland and what he is doing to help close the wealth gap in the African American community
Pastor Andy Ragland


I’ve been holding this post just for this month, Black History Month, in order to spotlight those in the African-American community that are doing their part to close the wealth gap. If you haven’t read my post about the wealth gap and how we can close it, then I invite you to go here and do so.

Today, I want to spotlight a gentleman who is doing his part to help close the wealth gap in the African-American community. Pastor Andy Ragland.

Last month, I had the privilege to attend a personal finance conference here in my city. The conference was entitled Money Matters: Put Some Muscles In Your Money. This seminar was conducted by local pastor, Pastor Andy Ragland of Christian Fellowship Church. In this seminar, Pastor Ragland teaches personal finance from a Biblical perspective.

About Pastor Ragland

Pastor Ragland has been teaching personal finance since 2003. He’s has spoken all over the United States, teaching Biblical principles to personal finance. He also offers personal finance coaching where since 2003 he has taught over 200 people how to escape financial bondage and be good stewards over that which God has given them. Out of the people, Pastor Ragland has taught, he boasts a 50% ratio of those remaining consistent in their money management and remaining debt-free. 

I had a chance to sit and talk to Pastor Ragland after the seminar and here is what he had to say.

Tracie Threadford: What is the biggest thing we, as a community, can do to close the wealth gap?

Pastor Ragland: Continue to enlighten through teaching. We must create the dialogue, we have to talk about it. Talking is essential because when we talk about it we create buzz. Once we create buzz, it becomes a fad. Just as the #metoo became a fad, we in the personal finance realm have to make personal finance a fad. We have to continue to talk until we have the attention of those who need our help the most. 

TT: I noticed the number of people that you invited to the seminar, versus the number of people who actually showed up. Does that disappoint you and what makes you go on in spite of?

PR: No it doesn’t disappoint me, it used to but not anymore. Not in the sense of, oh I am sad but it does disappoint me because I know my people need this education. I also know that those that want change will come and they will stick with the program, and that keeps me encouraged and makes me get up and continue to do the work that I was created to do.

TT: One of the things I feel we can do to close this wealth gap is teach financial literacy in school. What is your view on that?

PR: Absolutely. That goes back to creating the dialogue. If you teach in school or at home that one needs to go to school, get an education, then go on to get a good job; you certainly should teach me how to manage the finances that you want me to be able to make. My motto is Make, Manage and Multiply.

Conference Takeaways

Know your limitations

Having a budget/spending plan teaches you self-control. Self-control and discipline are crucial when handling your finances. Pastor Ragland went on to say, ” The problem is you really like you! You convince yourself you deserve this or that because you work hard.” I know I have said that same thing a million times. In his analogy of you liking you too much, he drives home the fact that your money is a direct representation of how much control you have. “You know what to do but you don’t do it.”

Time is money

“Rich is a status, wealth is a lifestyle. Oftentimes, we spend too much time with people who are not trying to accomplish what we are.” Your time is valuable. You spend eight hours a day or more, working to gain income, but what you do with that income shows you don’t value your time. Pastor Ragland said that the reason he wears nice watches is that he values his time. Trust me, if you ever see him, he really does wear extremely nice watches. In the finance game, you don’t have time or money to waste. If you aren’t already taking the necessary steps for retirement and legacy, you still have time and the time to start is now. Remain focused, set a plan in motion and work the plan. 

Establish a savings plan

My question to you reading this is what can you do right now to earn extra and cut costs? Here’s a little bit of what I do. I do makeup to earn extra money. That money has a purpose, I save the money until I get enough to open a CD, or invest it in some way. For more on saving and earning extra income be sure to revisit a couple of my articles on saving and earning extra income.

Your money is a business

“You are the CEO of your finances, your money is a business and you should treat it as such. You don’t have to support every cause that is presented to you. If someone asks you to buy a ticket from their child or brings one of those candy fliers to you, it is ok to say no and not feel bad about it. I tell people that the corporation has made all of its charitable contributions for the year, but we will put you on the calendar for consideration for next year. This is how the big corporations do it, they have all of their charitable giving on the calendar at the beginning of the year and distribute it as necessary.” 

This is one that I personally will be using, because it was funny and because he was correct. I am the CEO of my money and my money is my business. We all have been present with will you support my child in such and such. I know that I have a niece that is a cheerleader and grandchildren who are school age who sell things all the time. Heck, I am selling Girl Scout cookies right now. Do I intend to give, of course, I do, but Pastor Ragland opened my eyes to the fact that it is ok not to if I don’t want to. I will still support others in their endeavors but from an allotted spending amount that my husband and I will set at the beginning of each year. Once that money has been used then the answer will be, “The corporation, W&T Threadford LLC, has made all of their charitable contributions for the year, but we will be happy to put you on the calendar for consideration next year.” This not only liberates me but by using the word consideration, it lets that person know I will think about this cause and see if it is something that aligns with my charitable giving goals. It does not guarantee that they will receive that contribution it just lets them know they are on my radar and it is a possibility that I will buy that raffle ticket next year.

It is a process

You don’t become financially free overnight because you didn’t get in the financial situation you are in overnight. It is a process. You have to walk in the season you are in right now. If your finances don’t allow you to go shopping and ball till you fall, then don’t do it. “If you want to see something different, you have to do something different. Your job is just your income, not your increase. ” Pastor Ragland was preaching then!.

Again, I agree. There was a time when I could not enjoy the creature comforts that I enjoy now because I just didn’t have the money. I was ashamed and I was hurt I wanted to do all the things I saw the proverbial “Joneses” did and I couldn’t. You know why I couldn’t? I was broke and knew that I didn’t want to be broke. I knew I wanted more out of life for myself and my children.

One day I was going to be a grandmother and I would want to give those grandbabies everything and I could and leave my children and grandchildren a legacy. Begin the process today to get your finances in order. If you are in debt, then write down everyone you owe, including any family or friends.

Stop using credit, because with credit you are spending money now that you will earn in the future. “You must block your money from going out. When your money does not have a purpose you flounder around in the financial world. When the purpose is unknown, destruction is sure.” He said a mouthful then because I used to be in that same situation. You have to have a game plan, you have to prepare. Pastor Ragland gave five ingredients to prepare and if you know me then you know I am going to share them. I want to see everyone succeed in the game of finance.

Wellness not only pertains to your body and your health. Wellness pertains to your finances as well. Ae we close out this January, take a moment and do a financial wellness checkup

Ingredients To Prepare

1. Assessment- Preparation begins with knowing what to prepare for. Write down everyone you owe. Determine where you are and where you are headed. Examine what the conditions will be along the way. Determine what price you are willing to pay to get to where you want to be.

2. Alignment- Although you know where you are going, you still won’t make it unless you line up right. Good alignment makes success possible. Bad alignment makes success impossible. You can’t just work hard, you have to do the right work.

3. Attitude- Your attitude determines your altitude. Lazy people rarely prepare, but diligent people do prepare. Don’t be fooled, however, even the diligent get tripped up by the neglect of their attitude. You must have a positive attitude about yourself, your spouse (if you are married) and your situation.

4. Action- Ultimately you have to take action. It means being ready for the first step when the time comes. Without action, preparation has no purpose.

 Here are some final words from Pastor Ragland. ” Courage is going forward in the face of fear. Become a process thinker, getting ready requires thinking ahead. By thinking ahead you recognize now what you will need later. Do more research, people in just about every profession or situation use some kind of research to improve themselves. Learn from mistakes. The greatest prep tool can often be a personas own experience. Be willing to remain faithful and stay the course until the end.

While Pastor Ragland not only teaches personal finance, he is an example of his own teaching by keeping his expenses low and his income high. He is doing his part to close the wealth gap in the African-American community by Making, Managing, Multiplying and putting some muscle in his money and he wants to show you how to do the same.

For more information about his program please feel free to contact him at

We here at salute you, Pastor Ragland, and all you do to close the wealth gap in the African-American community. If you know of someone who is working to close the wealth gap in the African-American community, I want to know about them. You can nominate them by sending me an email at telling me what they do and how they do it and I will feature them on my blog. This will now be a monthly feature on the blog and I am ready to hear from you. 

*Part of Financially Savvy Saturdays on brokeGIRLrich.*


on Make Manage And Multiply With Pastor Andy Ragland

  1. Neely
    February 21, 2018 at 10:29 am (11 months ago)

    What an amazing man and advice! A savings plan is so important!

    • tracie45
      February 21, 2018 at 9:43 pm (11 months ago)

      Yes Neely, a savings plan is very important. Pastor Ragland is a very sweet and down to earth gentleman and is doing amazing things in our community. Thank you for reading and commenting!

  2. valmg @ Mom Knows It All
    February 21, 2018 at 11:00 am (11 months ago)

    Learning about personal finance is very important. I think all teens should learn about it personal finance while they are teens, instead of starting off adult life on their own amassing debt and not prioritizing.

    • tracie45
      February 21, 2018 at 9:35 pm (11 months ago)

      Yes it is Valmg! Don’t wait until they are teens, start teaching them as soon as they know how to ask for money. My oldest grandchild is learning the art of saving and investing and she is only 10. Thank you for reading and commenting!

  3. Daphnea
    February 21, 2018 at 2:36 pm (11 months ago)

    Awesome article! I’ve had the privilege of attending his financial conferences and have learned a lot. I’m almost debt free thanks to the principles Pastor Ragland have taught me. If you haven’t attended one of his conferences, you are missing out on a blessing!

    • tracie45
      February 21, 2018 at 9:34 pm (11 months ago)

      Thank you Daphnea! I really enjoyed his conference and learned some things myself. Keep up the great work! I am sure Pastor Ragland is very proud of your progress under his teachings. Thank you for reading and commenting!

  4. Marcie W.
    February 21, 2018 at 2:55 pm (11 months ago)

    It seems like Pastor Ragland is doing great things! I plan to share his Ingredients To Prepare with my teen daughter this afternoon.

    • tracie45
      February 21, 2018 at 9:32 pm (11 months ago)

      He really is Marcie! Please feel free to share with anyone you think would benefit. I am sure your daughter will enjoy his ingredients. Thank you for reading and commenting!

  5. Annemarie LeBlanc
    February 21, 2018 at 3:10 pm (11 months ago)

    He sure has a lot of great knowledge to impart. When I was young, I thought money was just easy to have. Get a job, have a paycheck. But that all changed when I started my own family. “Save before spend” became my mantra.

    • tracie45
      February 21, 2018 at 9:30 pm (11 months ago)

      He sure does Annemarie! I think we all think money is easy to have, I know my grandchildren do. I am working diligently to teach them the basics of personal finance. Not only am I leaving them a financial legacy in terms of assets, but also in terms of financial wisdom and knowledge. Thank you for reading and commenting!

  6. Scott
    February 21, 2018 at 5:28 pm (11 months ago)

    It doesn’t seems they are doing a good job of teaching personal finance in the schools any more. Good to hear someone else in the community is picking up the slack!

    • tracie45
      February 21, 2018 at 9:25 pm (11 months ago)

      I know they aren’t here where I live Scott. Many children don’t know how to handle money, and for them to be productive citizens they need to know how to make, manage and multiply money. This gentleman has a great program that I would recommend to anyone. Thank you for reading and commenting!

  7. Mary Varville-Rodriguez
    February 22, 2018 at 12:36 am (11 months ago)

    I appreciate this article and will definitely keep it close so I can refer back to it. My husband and I got a bit of a late start toward our retirement due to life circumstances, and we are now working hard to make up for that. Teaching our children the difference between wants and needs is an on going conversation. They see their peers get things they want and it’s hard for them sometimes. However, my children are getting better at understanding the value of experiences versus material possessions. They do get a small allowance so we can help them figure out how to budget and save. (Something I didn’t have at their age.) When family financial “emergencies” arise, they are informed of how we plan to take care of matters. That includes possible delays in what they may have previously wanted, such as a trip to the movies. Making financial matters a family project instead of a mysterious concept where adults magically take care of everything is important. Thank you so much for this information. I look forward to following your blog. Kindest Wishes, Mary ~ World of Writer Mom

    • tracie45
      February 22, 2018 at 7:44 pm (11 months ago)

      I am glad you found value in this post Mary! It’s never too late and I am glad that you got started. I love what you are teaching your children. They will be better prepared to handle their finances when they become adults, due to the what you are instilling in them. Good luck to you on your journey and thank you for following my blog. Thank you for reading and commenting!

  8. BlazyGoneCrazy
    February 22, 2018 at 12:37 pm (11 months ago)

    Awesome tips to save money so that everyone can make manage and multiply. I just love the thoughts and the simple ways to execute it.

    • tracie45
      February 22, 2018 at 7:45 pm (11 months ago)

      Pastor Ragland sure does make personal finance fun and easy. He did give some valuable advice that anyone can follow. Thank you for reading and commenting Blazy!

  9. CourtneyLynne
    February 23, 2018 at 5:53 pm (11 months ago)

    Oooo what an inspirational person to interview!!! So much knowledge about finances!

    • tracie45
      February 28, 2018 at 8:46 pm (11 months ago)

      Yes Courtney he is very inspirational and has a wealth of knowledge about finances. Thank you for reading and commenting.

  10. Rhea
    February 25, 2018 at 6:56 am (11 months ago)

    Thank you for this post. Its very inspiring.

    • tracie45
      February 28, 2018 at 8:44 pm (11 months ago)

      I am glad you found value Rhea. Thank you for reading and commenting.


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