In 1974, after a business partner challenged him to study the Scriptures to discover what God teaches about handling money, Howard's life was profoundly changed. The Lord gave him a passion to share the life-changing principles he discovered, resulting in the authorship of four books, including Your Money: Frustration or Freedom, Your Money Counts, Free and Clear, Your Money Map, and his most recent title, Money and Marriage God’s Way.
Howard founded Crown Ministries in 1985 and developed a remarkably effective small group financial study. Crown Ministries merged with Larry Burkett’s Christian Financial Concepts in September 2000 to form Crown Financial Ministries®, the world's largest financial ministry.
Howard and his wife, Beverly, were married in 1971 and have two grown children, Matthew and Danielle. Howard and Beverly reside in Gainesville, Georgia, and have just completed leading their 55th small group.