THOUGHT: You can't steward what you own.
CHALLENGE: "God owns it all. He just challenges each of us to manage some of it for Him. If He returned today, would He be pleased with how you're doing? Think about that for a minute and make the necessary changes today to be more effective with His gifts."
REFERENCE: "As each one has received a gift, minister it to one another, as good stewards of the manifold grace of God."