Stephen became a christian as a boy of five having been born into a family where his parents loved and served the Lord Jesus. He was born in Hastings, England and, at the age of two, moved to the city of Liverpool where his father was from. This commenced a lifetime of moving from place to place. When Stephen was five the Baker family moved to Scotland. At the age of sixteen he left school to work for one of the Scotland's oldest financial institutions. He worked for them for twenty-seven years in various roles having qualified as a Chartered Banker. Stephen eventually left the world of banking to focus on preaching and teaching the Bible. This book links his interest in financial matters with what the Bible teaches about money.