Biblical Financial Stewardship · Jackson, MS

When the Heart
is Aligned,
the Wallet Follows.

Free financial education, practical tools, and biblical wisdom — built for every financial background in every season of life.

"For which of you, desiring to build a tower, does not first sit down and count the cost?" — Luke 14:28

Discover Your Builder Type → Access Free Tools

Marray and TK Harris — Heart & Wallet Institute

Marray & TK Harris

Founders · Heart & Wallet Institute

Our Story

$192,000 in Debt.
Zero in 7 Years.

Marray and TK Harris didn't start from a place of financial confidence. Early in their marriage, they were staring down $192,000 in student loan debt — on top of a mortgage and car payments. It felt impossible.

But over 7 years, grounded in faith, discipline, and a God-honoring plan, they paid off every dollar. The student loans. The cars. The house. All while giving generously and building a life they were proud of.

That journey is the reason Heart & Wallet Institute exists — because they know firsthand that financial transformation is possible for anyone willing to get aligned.

$192K

Student Loans Eliminated

Years to Debt Freedom

Debts Cleared Simultaneously

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Year 1 — The Honest Starting Point Married and staring at $192K in student loans, a mortgage, and car notes. A financial statement shared before the wedding — accountability from day one.

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Year 2–3 — The Plan Takes Shape Built a biblical budget. Committed to consistent giving. Started attacking debt with a clear, written strategy rooted in stewardship, not scarcity.

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Year 4–5 — Cars Paid Off Both vehicle notes eliminated. Every freed-up dollar redirected toward student loan principal with focused intensity.

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Year 6 — Home Paid Off Debt-free homeownership achieved. A milestone most people never reach — accomplished ahead of schedule through intentional, faith-driven planning.

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Year 7 — Student Loans Gone The final $192,000 eliminated. Heart & Wallet Institute founded to share this framework with every household that needs it.

The Framework

Which Builder Are You?

Jesus' parable of the wise and foolish builders teaches us that how we build matters as much as what we build. Where does your financial foundation stand today?

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The Shortsighted Steward

Building on Sand

Most Common Starting Point

Focused entirely on today, this steward reacts to financial needs as they arise — no plan, no reserve, no vision. Life feels like a constant scramble with no way forward.

Spending outpaces income consistently
No emergency fund in place
Debt is the default response to any crisis
Tomorrow feels too far away to plan for

See the path forward →

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The Wavering Steward

Building in Wood

Progress, Not Yet Consistent

This steward knows better and is trying — but consistency is the challenge. Good intentions get disrupted by life, and the plan never quite holds when storms come.

Starts budgets but rarely finishes them
Saves when motivated, stops when stressed
Wants to invest but isn't sure where to start
Still vulnerable to financial disruption

Build more consistency →

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The Faithful Steward

Aligned Workshop

The Goal We're All Building Toward

Rooted in values and a long-term vision, this steward manages God's resources with clarity and intentionality — not because life is perfect, but because the foundation is solid.

Clear spending plan aligned with values
Emergency fund funded and growing
Investing consistently toward the future
Generosity is built into the plan — not an afterthought

Continue growing →

Take the Builder Assessment — Free →

8 questions · Personalized results · No email required to start

Your Path Forward

The Journey to
Faithful Stewardship

No matter where you're starting, there's a clear next step. It's not about perfection — it's about building something that stands.

Assess

Understand where you are. Take the Builder Assessment and get an honest picture of your financial foundation right now.

Learn

Gain the knowledge you need. Explore our Learning Center and podcast — budgeting, debt, investing, and more in plain language.

Build

Put it into practice with our free interactive tools. Net worth, budget, debt payoff, retirement — all built to give you clarity.

Grow

Faithful stewardship is ongoing. Attend a workshop, track your progress, and walk with a community committed to building well.

Free Tools

Your Financial Toolbox

Interactive, free, and built to give you clarity — not to sell you something. Start anywhere that meets your current need.

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Monthly Budget Worksheet — Free Download

Build a spending plan that reflects your values. Organized around the three-bucket framework — Give, Save, Spend.

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Builder Type Assessment — Free

Discover your financial mindset pattern. 8 questions, honest results, and a personalized next step.

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Emergency Fund Calculator — Free

Find your target across all three savings buckets and see exactly how long it'll take to get there.

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Debt Payoff Calculator — Free

Snowball or avalanche — see your payoff order, timeline, and how much interest you'll save.

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Net Worth Calculator — Free

Assets minus liabilities — your real financial starting point, plainly stated.

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Life Insurance Calculator — Free

How much coverage does your family actually need? Get a clear, honest number broken down by category.

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Retirement Readiness Calculator — Free

Are you on track? See your projected savings, your gap, and your top three action steps.

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90-Day Financial Reset — Free

12 weeks. 36 steps. One focused quarter to build habits that last. Interactive checklist + PDF.

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Goal Setting Worksheet — Free

Short, mid, and long-term goals — with a monthly action step and generosity commitment for each.

Download the Free Budget Worksheet →

No email required · PDF · Instant download

The Podcast

Real Conversations About
Money & Meaning

Marray and TK Harris bring you honest, practical, and faith-rooted conversations about money — the kind you'd have around the kitchen table with people who actually care about your outcome.

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Episode 1

Heart & Wallet Podcast · Watch on YouTube

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Episode 2

Heart & Wallet Podcast · Watch on YouTube

▶ See All Episodes on YouTube →

Saturday Workshop

Aligned:
When the Heart is Right,
Everything Follows

"Everyone who hears these words of mine and does them will be like a wise man who built his house on the rock." — Matthew 7:24

A half-day financial stewardship workshop designed for church communities. No financial background required — just bring an open heart and a willingness to build something that lasts.

Understanding Your Foundation

The Three Builder Framework

Building Your Stewardship Plan

Your Commitment & Next Steps

Request a Workshop → Learn About Aligned

Sessions · Half Day

Available for churches, community organizations, and corporate wellness programs across Mississippi and beyond.

Hosted by Marray & TK Harris
Heart & Wallet Institute · Jackson, MS

Co-Founders

Meet Marray & TK Harris

Two people. One mission. A shared conviction that when the heart is aligned, the wallet follows.

Co-Founder · Speaker · Investment Professional

Marray Harris

Marray Harris is a financial educator, biblical stewardship speaker, and investment professional with Primerica, based in Jackson, Mississippi. His passion for financial stewardship was forged in the crucible of real-life debt — $192,000 worth — and the discipline it took to eliminate it. Today he channels that experience into workshops, speaking engagements, and one-on-one coaching that equips individuals and church communities to manage God's resources faithfully. Marray believes financial education should be accessible to everyone, regardless of income or background.

Co-Founder · Educator · Community Leader

Dr. TK Harris

Dr. TK Harris is an educator, community advocate, and co-founder of the Heart & Wallet Institute. As the academic backbone of the duo, TK brings a practitioner's eye to financial literacy — understanding that behavioral change is as much about mindset as it is about math. Her experience in education and leadership has shaped the Institute's commitment to accessible, dignity-affirming financial instruction. TK co-hosts the Heart & Wallet podcast with Marray, bringing warmth, wisdom, and a grounded perspective to every conversation about money and meaning.

Learn More About Us → · Work with an Advisor →

When the Heart
is Aligned,
the Wallet Follows.

$192,000 in Debt.
Zero in 7 Years.