Section 1: The Kingdom 320 Lifestyle
Hey hey! Welcome to the Kingdom 320 Declaration - I believe that if you’re reading this, it’s not an accident.

Have you ever dreamed of a life where you open your laptop for a couple of hours a day, then spend the rest of your time:
✅ With family
✅ Traveling the world
✅ Serving in the church
✅ Doing what God put you on this earth to do

The Bible says "A good man leaves an inheritance to his children's children"

Imagine the peace of mind that you would feel if you secured your family's financial future for generations to come.

I’m going to bet you’re much closer to that freedom than you think—and in this Declaration, I’m going to prove it to you.

What is the Kingdom 320 Lifestyle?
If you’re reading this, you probably feel a calling toward entrepreneurship. But if you’re like I was, you may be frustrated with the options.

It seems like the only “Christian businesses” out there involve selling essential oils and fancy cutlery to friends and family.

One thing you should know—we are not like anyone you’ve worked with before.

We believe in a God that LOVES to bless his children—exceedingly, abundantly beyond what we can ask or imagine – spiritually, relationally, and yes even financially!

And we also believe a wealthy church can do more to advance God’s Kingdom than a broke church can. If that offends you, this may not be for you.
But if that resonates, then you might be on a journey that feels all too familiar:

✔  You feel called to start a business.

✔  You dream of financial independence.

✔ ️ You might have tried other programs, but found they were outdated, overcomplicated, or flat-out didn’t work.
Maybe you’ve had some success, but at the cost of longer hours than you expected. Whatever the case, you’re called to generational wealth—you just need the right steps to get there.

If that’s you, you’re not alone. I’ve been there.
I’ve questioned God.
I’ve questioned myself.
I’ve wondered: “is it really possible?”

I’ve looked in the mirror, feeling like a failure, wondering: Should I just listen to the doubters, settle for a 9-5, and hope I don’t outlive my 401k?”

I almost did. But instead, I chose to live by FAITH and not by sight. And today, I’m living proof that generational wealth isn’t just possible– it’s within reach.
The Truth About Wealth & The Church
I’m tired of seeing Christians work their whole lives, only to retire broke, dependent on the government, with nothing to pass down to their kids other than debt.

A friend once told me, “I just hope I die before my retirement savings runs out.”

Call me crazy, but I think God has something better for his children.

We’ve all imagined living a life of freedom and influence… but is that even possible?

In this declaration I’m going to share my story with you…

The story of how I went from $8.4 million in debt to having hundreds of millions of dollars worth of income-producing assets that I can pass down to future generations.

And how I’m helping thousands of Christians break free from mediocrity, and begin to live the “320 Lifestyle.”

So let’s start with the end in mind. The 320 lifestyle has two parts.

PART 1: TIME FREEDOM

Christian zombies… that’s what I call Christians who live on autopilot — letting life pass them by, putting their calling on the backburner, and “waiting on God”

…all the while God has been waiting on THEM to step out in FAITH and do something!

Take a moment and honestly consider this question: If you stay on your current path, where will you be in 10 years?

How will you be remembered in 100 years? Will your legacy live on, or will you be forgotten?
Let me show you something crazy!

Every circle represents a month of your life. Take a second and find where you are now.
Feeling overwhelmed by all the time that’s passed you by? Good. This is your wake-up call…

We can’t get back lost time, but we can commit right now to never letting FEAR rob us of another second!

So when is the BEST TIME to start living by faith? 10 years ago.
When is the SECOND BEST TIME to break free from fear? Right now.
When is the WORST TIME to take action? Tomorrow.

Why? Because as you probably know if you’re reading this, tomorrow has a tendency to always be one day away.

Now let’s talk about time freedom…

What would it feel like to wake up every day with 100% control over how you spent your time?

No more clocking in, no more overtime, no more commuting to work, no more trading time for money... What would you do with your time?

I’ve asked that question to thousands of people, and here’s what some of them have said:
🛫 "I’d become a long-term missionary."
👨‍👩‍👧‍👦 "I’d spend more time with my kids."
📖 "I’d write a book."
🌍 "My life would be about church, family, and adventure!"
PART 2: FINANCIAL FREEDOM
Most of us are conditioned from a young age to think small—to limit our dreams to what’s financially “practical” and “realistic.”

But I don’t think a ‘realistic, practical life’ is what Jesus had in mind when he said we would do “even greater things” than he did! (John 14:12)

Let’s be real—who is more likely to change the world:
❌ A struggling Christian, who only has enough for themselves.
✅ A wealthy Christian who has an abundance to give to churches, missions and family?

Some say "money is the root of all evil." But my Bible says the LOVE of money is the root of all evil.

Money is a powerful tool that can be used to advance God’s Kingdom on this earth.

The enemy LOVES when the church is filled with struggling Christians, sitting around talking about what they would do for God—if only they had the money.

The church does not have a vision problem. The church has a resource problem.

Imagine if money were no longer an issue. What would you do?
⛪ Tithe 90% and live on 10%?
👪 Radically bless your family and friends?
✈️ Travel the world?
💰 Build generational wealth for your kids and grandkids?

Do you honestly believe that God would give you a vision without also giving you the tools and opportunities to accomplish it?

Would you believe me if I told you that you’re one decision away from rewriting your story —and transforming your family’s future for generations?

In the next section, I’ll share the real story of how I went from $8.4 million in debt to radically financially free – and how you can too.

But before we dive in, there’s something you should know about me…
Section 2: Kingdom 320 DNA
One thing you’ll learn about me is that I value raw, unfiltered authenticity.

Unlike the ‘gurus’ out there, I don’t do “fluff.” I don’t care about what “sells.”

I care about being more like Jesus: real, raw, and willing to flip tables for the sake of truth.

If that resonates, keep reading. I’m going to share the story of how a typical, average guy like myself went from bankrupt to financially free in a matter of months.
My Story
I wasn’t raised in the church, and I didn’t know Jesus.

After my parents’ rough divorce, I felt lost—struggling to see any purpose in life.

When I turned 18, I drove my friend to a Navy recruitment office so that he could enlist.

While waiting in the lobby, a recruiter stepped out and asked me, "Do you want to enlist in the United States Navy?"

I laughed. "Heck no!" (with some more colorful language… give me a break, I wasn’t saved yet!)

Then he rephrased: "Do you want to get paid to travel the world?"

A few months later, I was deployed aboard the USS Arctic AOE-8.

The Navy gave me purpose, discipline and patriotism. But most importantly, it was where I met Jesus.
Finding Jesus
When our ship would dock, myself and my shipmates would spend the nights out drinking in the local towns and villages.

I began to notice something different, though, about one of my friends, Sheldon.

Unlike the rest of us, Sheldon didn’t go out and drink, didn’t complain—and he had an unshakable joy.

One day, I asked him, "Why are you different?"

That was the question that opened the door for him to share the Gospel with me for the first time.

In that moment, on a ship in the middle of the Pacific Ocean, I met Jesus.

Sheldon and I started waking up at 4 AM, praying and worshiping in the ship’s chapel.

As months went by, the Holy Spirit spread through the ship like wildfire.

By the end of our tour, 63 sailors had given their lives to Christ!

When I returned home, I got plugged into a local church, met my wife, and had two beautiful daughters.

Now that I had discovered my creator, it was now time for me to discover why He created me.
Entering the Business World
From the time I got saved, every prophetic word spoken over me was similar:
"You will start a business and fund the Kingdom."

I didn’t really know where exactly to start, so I became a realtor.

I noticed one of my repeat clients was different from the retail home-buyers that I was used to working with–

Unlike them, he bought houses to flip them– and he was making a killing!

I thought, "Why does he get to have all the fun?" So I read a couple books on real estate investing and jumped in—no mentor, no roadmap, no education—just a man and a dream.

At first, it worked. I made some money and felt on top of the world. But I soon learned that success without mentorship isn’t just risky – it’s a ticking time bomb.
Losing Everything
As time went on, I began to let my success get to my head. I put my business before my marriage– and my relationship with God took a back seat.

Then, the recession of 2008 hit. I was developing two multimillion-dollar properties in Fairfield, CT when the market crashed.

In the blink of an eye, I lost everything.
🏚 My house.
💸 The money family & friends trusted me with.
💔 My dignity.

I was a living example of Matthew 23:12: “For those who exalt themselves will be humbled, and those who humble themselves will be exalted.”

My family and I moved into the extra bedroom at my Dad's house, and I officially hit ‘rock bottom.’
The Turning Point
One Sunday, sitting in church, my pastor stopped mid-sermon. He pointed straight at me, and he prophesied:

"Son, you have an anointing to fund the Kingdom through your business. And you will be a bridge—helping other Christians do the same."

I was broke, and I was broken. But in that moment, I chose to believe again.

Was I really going to let my past failure keep me from future success?

I stopped feeling sorry for myself, dusted myself off, and got to work.
My Comeback
I found a business model that didn’t require so much risk, and I borrowed $30k from a friend to hire a coach to mentor me.

💰 A few months later, I gained momentum and hit six figures in business profits.
🏆 60 days later, my business was featured on a nationally broadcasted TV show.
📈 Over the next 15 years, my business grew into a quarter-billion-dollar enterprise.

More importantly, I also began to coach and mentor aspiring entrepreneurs, teaching them how to do what I’ve done.
Why I’m Still Here
"Jeff, if you're so successful, why not just sail into the sunset and retire on a beach somewhere?"

If you look back at my Pastor’s prophecy, it wasn’t about me…He said "You will help other Christians do the same."

I have a vision that keeps me up at night.

I believe there are millions of Christians, just like I was—called to more, but waiting.

Waiting for:
✅ A real, ethical way to build wealth.
✅ A mentor who has walked the path.
✅ A community that believes in them.

And if you’ve made it this far, you might be one of them.

My greatest motivation in this life is to one day enter Heaven’s gates and hear “well done good and faithful servant”

To GO ALL OUT, to leave it all on the field, and to win as a team… as a church of champions, not a church of cowards.

So let’s talk about how…
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Earnings and income representations made by Kingdom 320, Jeff Rutkowski, affiliates, sponsors, or advertisers (collectively, “Kingdom 320 Programs”) are aspirational statements only of your earnings potential. The success of Jeff Rutkowski, testimonials and other examples used are exceptional, non-typical results and are not intended to be and are not a guarantee that you or others will achieve the same results. Individual results will always vary and yours will depend entirely on your individual capacity, work ethic, business skills and experience, level of motivation, diligence in applying the Kingdom 320 Programs, the economy, the normal and unforeseen risks of doing business, and other factors.

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