you are likely to find Wine in/at/on Church. you are likely to find Prayer in/at/on Church. Prayer is a type of Ritual. 
Speculate is a type of Invest. Invest is a type of Spend. Spend is related to Budget. 
Wine --AtLocation--> Church <--AtLocation-- Prayer --IsA--> Ritual 
Speculate --IsA--> Invest --IsA--> Spend <--RelatedTo--> Budget 