John (fake name) has a great heart but no plan for his money. Unfortunately he won’t be able to help others as much as he would like.

Betty (fake name) has a great plan for her money but a stingy heart. Unfortunately she won’t be able to enjoy her money as much as she could.

The man/woman with a generous heart and a strategic plan is the person who will have the most and do the most with it!

A good plan by itself is not enough. A good heart by itself is not enough. It takes both!