Well, actually HWA's "Tips" being too lazy, unwilling, or unable to express it himself evidently. I also don't recall HWA offering to end my financial worries with mere "tips".
Not taking the "tips" had real consequences as I recall for both member and minister
A few tips on ending your financial worries
Ending Your
FINANCIAL WORRIES
by Herbert W. Armstrong
©Copyright 1959
What Most People Don’t Know
There is something you probably don’t know about your income. If there is anything people are jealous of, it is the money they earn. They usually work hard for it. And they want full freedom in deciding for themselves what they do with it.
People say: “What I earn is MINE — I can do what I please with it!”
But is the money you earn really your own? Don’t be too sure. Notice these FACTS about your income you probably haven’t known!
What you earn is not yours!
The man who says, “What I do with the money I earn with my own labor is nobody’s business — I produced it — it belongs to me,” is mistaken.
What you earn, by work performed or investments made is not yours — not any of it — that is, not UNTIL …!
And here is what most people don’t know about their income!
There are two prior claims on your income. One, of course, is taxes.
Human governments, by virtue of MAN-made laws, are able forcibly to extract from your incomes not one tenth, but an average of over ONE QUARTER, a vast amount of which is mis-spent. Jesus said we are to pay taxes — render unto Caesar that which is Caesar’s — be subject to the powers that be. Governments, therefore, have exercised a PRIOR right to one quarter of your income — and in the case of salary or wages, governments take it out BEFORE YOU get your pay.
But the first claim is GOD’S claim. You probably never realized this fact before — but it is a fact. God Almighty the living CREATOR-RULER of the universe claims it all — every dollar — every pound — every franc — every mark. Your Maker who gives you the very air you breathe tells you it all belongs to Him, not to you!
But didn’t you earn it? Didn’t YOU produce it?
Not exactly! Everything produced — money, and all that money can buy — comes out of the earth. You didn’t produce that! God created that. You merely applied certain energy in physical action and in thinking to what God had created and owned. And God created even that energy you expended — He created your thinking processes. He not only created, originally, but He sustains what He created, including all force and energy."...
Therefore GOD HAS A RIGHT to take, or dispose of what you regard as your income AS HE WILLS. He OWNS it. It is not yours, it is HIS!
So God, the rightful OWNER of your income, has MADE A LAW respecting its disposal and its use. By virtue of being Creator and Sustainer of the earth and all in it, God is supreme RULER and LAWGIVER...
God takes only ONE tenth. And after you have been honest in PAYING God’s tenth to God’s chosen representative, then — AND NOT UNTIL THEN — God has decreed that the other NINE tenths becomes legally YOURS!
THAT’S GOD’S LAW! (Note: Hey wait! I thought it was just a "Tip"?) Not a penny of what you earn, or a penny’s worth of the value of what you produce, is YOURS — it ALL belongs to God to do with as HE directs. But God has legally directed that after you have honestly paid Him the one little, small tenth He requires for His use, then the other NINE tenths He gives to YOU. Then, and not until then, you can rightfully claim OWNERSHIP over that nine tenths. Then and thereafter it is YOURS to do with as YOU decide.
When we get our thinking straight — when we get UNDERSTANDING — when we stop to realize HOW MUCH of what we have was provided by GOD — then we realize how LOVING, how GENEROUS, how solicitous for our welfare God is.