Personal Economics


by Richard Kieninger


In recreating the Lemurian system of doing things in the Nation of God, we must focus first on developing the balanced individuals who will make up that civilization; for a civilization’s strength and success are determined by the strength or weakness, balance or imbalance, of the individuals who comprise that society.

Perhaps the greatest truth of which a man must become aware before any other truths have great meaning for him is the fact that there is a purpose to human life. This purpose is the perpetual elevation, through man’s own efforts, from clod to God. With this must come the realization that only as man unfolds his inherent abilities may he know that “peace which passeth understanding”—that absolute security which comes about as the result of adherence to Natural Law. Impress on the minds of many this great goal toward which all creation moves, and the Nation of God will not be long in the making.


In balancing our Egos, we mustn’t overlook the dire need for balance in the economic sphere of our lives. Economic balance is a barometer of our atten­tion or inattention to detail and our general attitudes about Creation. There are principles of the Universe which, if followed precisely, will ensure prosperity and abundance for everyone. Poverty is unnatural. There should not exist a single non-prosperous citizen in a society. For poverty to exist means some universal principle or principles are being violated. It is not God’s intention that humanity should lack any of the good things of life. Through infinite examples, He has shown that man has only to follow certain principles and he shall inherit the earth. A few have chosen to follow these principles in detail. To Them—the Masters or Elder Brothers—life presents only harmonious good. For Them, security, beauty and peace are all assured. At some point each of These Egos pondered the truth of Christ’s statement, “He that believeth on me, the works that I do shall he do also; and greater works than these shall he do.” Each of Them realized that man’s potential is almost unlimited if he will but set out to develop it.


It is the plan of the Elder Brothers to educate and train a nucleus of far­seeing individuals so that they may set into operation new causes the ultimate result of which will be the integration of the New Civilization where peace and security associated only with the Nation of God will prevail. In order to build a sound economic structure for ourselves individually, we must be willing to serve others and this Plan. This will require will power and seeming sacrifice, and one’s courage and sincerity will meet their greatest tests.


Nothing worthwhile is easy to accomplish. For millennia, mankind has cried out for security and happiness for all people. We must give of ourselves in loving, kindly, considerate, efficient service for Christ’s Plan. Just as the flowers give of their fragrance and beauty and the birds of their song, let us, too, for the sheer joy we find in so doing, give what we can and fear not.


As a result of years of erroneous religious teachings, many of us have come to feel that economics is too commercialistic a study to undertake when striving toward a spiritual goal. We seem to forget that an empty stomach and a leaky roof—or lack of a roof—are hardly conducive to that peace of mind essential to true advancement. As long as we must have food, clothing, and shelter, money plays an important role in our daily affairs. It was the love of money against which Christ cautioned mankind, for money in itself is neither good nor bad. It is the use to which it is put that determines its value. Used for good, it becomes good.

It is as wrong to discount materiality as it is to discount spirituality. One is as important as the other. A balance between the two leads to all that is good in both—to peace, serenity, happiness, advancement, and plenty. Each indi­vidual aspiring for Citizenship must acquire and maintain within himself this essential if he is to experience that ideal as epitomized in the Nation of God.

Universal Principles of Prosperity

We will study several sound principles of the Universe which, when faith­fully practiced, will inevitably lead to security and abundance. These are:

·        The Principle of Compensation

·        Value Consciousness

·        Prosperity Consciousness

·        Tithing

·        The Financial Reserve

·        Personal Ledger


The Principle of Compensation

In applying Mental Precipitation in our lives, or the bringing of something into our environment, we must also be aware of the need to give something in exchange.


In creating the Universe, God created a system that operates in a self-sustaining manner in perfect balance. The same perfect balance must ultimately be brought about in the lives of all humanity as integral parts of the Universe. As this balance increases, man reaches to an ever greater degree the state of self-sufficiency. In its attainment, the necessary steps toward the various Initiations are made, and assuredly, none may become a Citizen of the Nation of God except as such balance begins to manifest within himself and in the consequent state of his affairs. Having attained perfect balance on the physical plane, he has gained perfect control over himself and his environment and shall merit the title “Master.” This balance is pivotal in discussing economics.


To understand the Principle of Compensation, observe the manifestations of Nature as she responds to anything man gives or does for her. By helping a tiny seed to fulfill its destiny, nature compensates a hundredfold. One grain of corn planted and cared for yields a hundred and more like itself. One tree, grown from one seed, carefully tended, responds with countless bushels of fruit. With Nature and God, there is no stinting; only an endless giving. All that man gives to Nature and to God is compensated for in an even greater ratio. For all the love and care one gives the flowers, the trees, the grasses, vegetables, and berries, there is always a multiplied compensation in greatly increased beauty and production.



This week, start a process of taking some small and simple steps toward observing the Principle of Compensation in action. On awakening tomorrow, determine to make this day a “day of smiles.” No matter whom you meet or contact throughout the day, make it a point to greet everyone with a smile. Make it a natural one, not a forced or obvious grin. Just a simple, friendly smile. Keep a mental record and by evening, note how many smiles greeted you in return. Observe the effects in your contacts throughout the day, and you will agree that the compensation for your smile will far more than offset the small effort required. Follow this process for a month, and you will find yourself surrounded with a smiling world.


Let your second step be to find something good to say of everyone men­tioned in your conversations. Before a month has passed, you will find yourself the recipient of more goodwill than has been true in a long time.


Third, seek and find something good to do for each person you contact. Let it be something small—some simple service. It may amount to nothing more than sharpening a pencil, picking up something a fellow worker has dropped, giving someone a hand with a task or indicating your appreciation to those whom you will find doing things for you.


One compensation which we all can make to Nature and God for all the good received is the thinking of good and constructive thoughts. Remember that it is the essence of such thinking that will make possible the New Civilization—a nation of contented and serene people well on the way to attaining the goal for this life wave.

Among many individuals who seemingly are good people, there are the petty advantages they take of another, sometimes even feeling justified in so doing. We who strive for Citizenship in the Nation of God must constantly watch our thoughts and actions so that we may become more and more con­scious of when we err.

Regard compensation as a privilege rather than a duty, and both God and Nature will reward you beyond measure.


Value Consciousness

Value is defined as the measure of worth. This applies to all that we have or enjoy. It applies to actions, words, ideas, associations, friendships and wealth. The greatest of all is its application to service.

A value consciousness is possible if we (1) conscientiously keep a daily personal ledger; (2) follow the principle of tithing; and (3) develop a prosperity consciousness.


In order to develop a value consciousness in regard to our financial well-­being, we must learn to go about evaluating our expenditures in a systematic manner. Through services rendered—earning of Karmic Credits necessary to the daily conduct of our lives—we have earned a certain income in the form of money. It should have a very real value in our eyes because of what has gone into the rendering of the service which entitled us to this monetary return.


Getting Value for Our Money

Suppose you happen to be feeling thirsty, so you purchase a soda, and upon finishing it you discover that it still requires a glass of water to satisfy you. Was the transient pleasure of the soda actually worth the amount you paid? If you bought it because of the pleasure its taste afforded you, perhaps it was. However, if you took it simply because you were thirsty, when a glass of water would have served that purpose even better, was the expenditure justified? Was it really worth the ten minutes or more of work that money represented when, after all, it did not quench the thirst?


When we spend our income, we are spending Karmic Credits, and this thought should always be borne in mind with every amount of money spent regardless of how small it may be, for money is a medium of exchange, without value in itself, but representing services rendered.


Do you frequently shop in terms of price alone? Or do you thoughtfully consider the value of the item being purchased or the service acquired? When you shop a sale, are you aware of those items which are actually bargains based on your value consciousness, or are you looking for something for nothing?



We’ve discussed the principle of tithing in prior lessons, so we won’t go into detail here. We have learned that through the Principle of Compensation, we must give for all we receive or inevitably be cut off from the source of supply. Neither can we take without giving in return, for sooner or later, the Universal Principle exacts its toll in misfortune and heartache.


Just as many children are inclined to feel they owe their parents no com­pensation for the love and kindness lavished on them, so do we also take for granted all the good our loving Father in Heaven has showered upon us. The air we breathe, the sunlight, the soil, water—without them there can be no life. Deprived of any of these for even a brief period, something of its value dawns on us. A dreary world this would be, too, if there were no beauty of flowers and sunsets and sky, no trees or grasses, no loving hearts, or no laughter. But for the just and unfailing Natural Laws which govern the Universe, a sad confused state of affairs would be manifest in all things. All this wonder of intelligent guidance and loving consideration, and we simply accept it as a matter of course—at times even grumbling because we haven’t more! If we do not enjoy all the good to which God’s beneficence is capable, it is because we have not troubled to think of doing our best to secure it. We have not cooperated with Cosmic Law.

To give a tenth of our net income repays the Elder Brothers, Angels and Archangels for Their efforts in maintaining balance in the Universe and provid­ing us with the many life forms to enjoy. The tithe is ten percent of your income given to the service of God for the advancement of mankind and the establishment of the Nation of God. A tithe is a voluntary contribution to the service of God.


The tithe should not be divided. In this day and age, there are any number of solicitations for donations by various organizations, as well as churches we may be accustomed to attending. To whom your tithe is to be given depends entirely on your decision as to where it will best serve its purpose as an offering to God. In some cases, donations are made obligatory by employers. However, if one undertook to donate to all who solicit him, he would have little of his salary left, or his donations would have to be very small. Which do you consider of greater importance: tithing to further God’s Work or donations to charitable enterprises?


One of the cardinal principles of Karmic Law is that each of us can receive only in proportion to our giving. We can hope to reap only as we have sown. Therefore, in Their infinite wisdom, the Elder Brothers have granted each aspir­ant the greatest conceivable opportunity to earn his advancement and security. They have made it possible for us to build our own personal oasis of true security, thus making it truly our own so that no one may ever take it from us as long as we observe and abide by God’s just Laws.


The Financial Reserve

Personal profit is that portion of one’s income left after deducting his expenses of living. It has been created by the performance of remunerated service in excess of one’s needs. This amount, as it accumulates from month to month is one’s personal financial reserve. The personal reserve is that portion of your income which you set aside for the purpose of promoting a personal plan. It will help to improve yourself and your environment where you intend to be.


This reserve must not be confused with hoarding, which is the setting aside of anything simply for the sake of accumulating it. Hoarding is selfish. It withholds from the community the benefits which would accrue from the con­structive use of that which is being hoarded and is, therefore, a direct violation of how the Universe works.


The hoarder will eventually freeze his own source of supply and finally face financial bankruptcy. He is like the man who has a full pitcher. The only way in which he can put more into it is to pour out some of its contents. If he refuses to do this, the water in it will become stagnant and useless. No one can continue to take without giving, for he not only gains no Karmic Credits, but eventually loses those he already has. He does not compensate for what he has received, and such selfishness can have no place in the attainment of either spirituality or the Brotherhood of Man.


The study of increasing one’s prosperity is superfluous unless every stu­dent expects to use this knowledge during and after the final wars which will mark the close of this cycle. Those who expect to live for Christ’s Great Cause should plan to serve with all the resources at their disposal. To accumulate a reserve for such a purpose, therefore, is not a selfish action, but one wherein he is demonstrating a high degree of vision.


Wishful thinking will not bring you into Citizenship. You must plan a definite program whereby you will take certain concrete actions of a constructive character that will enable you to live as a Citizen. Plan your progress and move forward each month, even though it be only a trifle. This is the opportunity before you. Whether you are conscientious or not can be determined only as your daily living conforms to Cosmic Law. That Law has certain definite eco­nomic implications, and you need, therefore, to conduct your economic life in conformance with it.


Prosperity Consciousness

Through a false, unworkable and unjust economic system as we see in the world today, the purchasing value of money can be made to fluctuate by the manipulations of conscienceless bankers. Therefore, financial security must be predicated on more than the accumulation of money as such. It must be remem­bered that no matter what length the journey, we must start from where we are.


There are a number of techniques available for developing a prosperity consciousness. One most of us is familiar with is the habit of making positive affirmations to condition our subconscious of our worthiness of being prosper­ous. Being observant of our self-talk is always important. Do you ever find yourself making statements like, “I can’t afford that” or “That’s too rich for my blood?” Always carry a hundred dollar bill in your wallet or purse which you never spend even though you could.

Personal Ledger

A personal ledger is used to record your personal financial receipts and expenditures. It records all moneys that pass through your hands personally. (Note: If you own a business, do not include moneys used or received relating to your business in your personal ledger.)


Begin your personal ledger immediately on the first of the month—even though the amount in the beginning is small—for if you hope to earn Citizen­ship in the Nation of God, you are obliged to keep a personal ledger, for it is only through personal experience that you may learn what is essential to that economic balance required for true advancement. Even if you are in a marriage, each party should keep his or her own personal ledger.


The first step in keeping a ledger is to review the expenditures of the day. In mentally beginning with the latest event and proceeding in reverse order until your day began, you increase your awareness and observation as well as serve to develop your memory. As you mentally do this, record each expenditure in your ledger, at the same time deciding on the nature of the expenditure—whether it was really worthwhile, whether you “got your money’s worth,” or whether you might well have dispensed with such an expenditure and still retain the money you spent.


Separate your expenditures into two categories: “transfers” (employing the services of people or buying items which are not subject to disintegration) and “consumables” (anything which is used up or eventually deteriorates away). Transfers may include services, such as barber or beauty shop, repair work, visiting a health practitioner, postage, printing of stationery, cards, transportation fares, utilities, cleaning and laundry bills, etc. Also include recreation items, such as movie or concert tickets, gifts, dining at a restaurant, improvements on investment properties or beautification of property. These are expenditures that keep money flowing in a positive way.


Consumable items include food, pharma­ceuticals, clothing, rent, electric bills, house payments, hardware items, stationery, household equipment, furniture or linens. These are items that you alone use up and are a dead end in usage.


Remember to include your tithe and financial reserve in your ledger.


It may seem like a lot of work when you first begin this practice, but it will become easier as you progress. So often, one of the greatest problem areas for those of us who are attempting to progress toward Initiation has to deal with the area of finances. One has only to view the economic conditions in the world to realize there is a desperate need for a greater understanding of what is funda­mentally essential to restoring prosperity.


For those aspiring to Initiation, the establishment of an economic balance in one’s personal affairs is of special importance. Please do not think that your personal finances involve too small an amount of money to make the keeping of a personal ledger worthwhile. Citizenship and Initiation imply a balanced indi­vidual—spiritually, mentally and materially. One’s economic affairs must be in balance, regardless of whether he is wealthy or of moderate circumstances.


After you’ve prepared your ledger and used it for a month or two to see what you’re spending, set a budget for yourself.


Hope for Tomorrow

This path you have embarked on may be termed a campaign of watchful­ness, for the time has come when all those who aspire to the truly magnificent goal of Citizenship in the coming Nation of God must learn to say less and think more—to observe and to learn—to discern and discriminate wisely. As the inescapable result of mankind’s refusal to profit from its observation, life as lived by the average person today is as aimless as the actions of a minnow in a pond or a rudderless ship at the mercy of every errant breeze or erratic current. There is too little intelligent direction, and the condition of the world demonstrates this with terrifying reality.

It takes courage to forego the temptation to drift with the tide, even though we know it has taken us to the very brink of disaster. It requires no small degree of determination and will power to deliberately set out to build within one’s self the characteristics necessary to the greatest efficiency of our God-given poten­tials. It takes the vision of the glorious goal toward which we aspire to enable us to understand that all else in life must now become secondary in our thoughts and affairs.


As a sincere student, life can no longer be a haphazard, hit-and-miss affair, but a carefully planned and executed system of intelligent thinking whereby you will find yourself able to control any situation you may encounter. Such, obviously, cannot be acquired through a mere lackadaisical desire nor through a dilatory method of study. This training must become the most important thing in your life—not something to be picked up and toyed with when there is nothing else to do. It must become a vital part of your life. Every thought, every word, every act must be with the idea in mind of making yourself more worthy of Initiation.


You are now in the process of entering a new and better way of life and living. How far you progress is strictly up to you and your efforts. And remem­ber, the Elder Brothers are always there to assist when you’ve done your best and need help. Enjoy with new determination your worthwhile path to living in the Nation of God!