There is a God. We are created by God; the universe is created by God; and 'all things work together for those who love God'. If we follow the Maker's instructions; things tend to work better. Therefore; there is a 'with the flow' way to go; and an 'against the flow' way to go. How do we know which is which? What is the path of blessing? Using the markers of scripture; conscience; nature; observation; the faith community and the faith tradition; Pen show us how to discern the road of blessing in regard to money; relationships; the home; and the acceptance of responsibility. The outcome may not bring prosperity; but it will probably include joy.