Romans 12:2
Do not be conformed to this world, but. be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect.

Lack of Clarity

Proverbs 22:7
The borrower is slave to the lender.

Lack of Contentment

1 Timothy 6:6-10
But godliness with contentment is great gain, or we brought nothing into the world, and we cannot take anything out of the world. But if we have food and clothing, with these we will be content. But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction. For the love of money is a root of all kinds of evils."

Lack of Continuity

Proverbs 13:11
Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.

Need an abundance of Hope

1 Timothy 6:17
“Instruct those who are rich in the present age not to be arrogant or to set their hope on the uncertainty of wealth, but on God, who richly provides us with all things to enjoy.”

Psalm 23:1
The Lord is my Shepherd, I shall not want. Need an abundance of Faith

Luke 16:10
If you are faithful in little things, you will be faithful in large ones. But if you are dishonest in little things, you won’t be honest with greater responsibilities.

Need an abundance of Love

Acts 20:35
In all things I have shown you that by working hard in this way we must help the weak and remember the words of the Lord Jesus, how he himself said, “It is more blessed to give than to receive.”

Malachi 3:10
Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.

God won't transform it until we've entrusted it to Him.