If you are in command of your financial situation, you have a written plan, with goals broken down into objectives and timelines, and you communicate your plan to your loved ones. If you are in cop-out mode, you pay your bills and kind of pay attention to how you spend your money but lose sight of your long-term goals.
If you are in command, you are acting on your money. This is called “being proactive” and/or “being intentional.”
If you are in cop-out mode, you wonder where all the money went since last payday and you likely ride an emotional roller coaster in between paychecks.
Proverbs 22:7 is true that the borrower is slave to the lender. Why allow your money to tell you where to go? Be in command! YOU tell your money where to go, before you spend it.