Shalom,
Please begin by reading 1 Tim 6:3-10.
Usually people think it's just fine for a preacher to talk about sin or about troubling social issues. But when it comes to talking about money or financial things, that's considered meddling. Well, because money is such an important issue in our world and society, Christians need to be well-versed in what the Bible tells us about the way we handle and use it.
A major mistake many people have made over the years is that they keep their theological beliefs on one side and their money on the other. They falsely separate these two without considering that our Lord gave us specific instructions about the "money" issue. They say, "Don't mix God and MY money." Well, you can't have a truly good and right financial situation without our Lord's involvement in the way you deal with money.
Satan has convinced many people to say, "Don't talk about money, all churches and preachers want is money." That's absolutely not true. Our failure to talk about this subject, and especially to teach our people sound biblical principles for handling their money, has caused many Christians to be in a financial crisis. You can't ignore Yahweh in any area of your life without painful consequences. You can't talk about Yahweh without considering what he wants you to do with your money. There are over 2000 verses in the Bible concerning money and how we're supposed to handle it.
Every day of your life, you're dependent on money in some way. You can't separate your heavenly Father from your money because he's meant to be part of every detail of your everyday life. He expects to be involved in all the decisions of our lives, even the monetary ones. I want you to consider your relationship with Jesus based on what the Bible says about how we should handle our finances. Does your financial situation match up well with the handbook for right living?
What is the right view about our finances? Many people refuse to consider what Yahweh has told us about money. Many people refuse to let their heavenly Father guide and bless them in their finances. Our loving heavenly Father has given us instructions for every aspect of our lives. Is it sensible to seek his guidance in every other area, but then insist we can handle our money by ourselves?
If you're ignorant of Yahweh's principles, that can be excused to a certain extent. But if you know his Word and then choose to ignore his directions you're living in deliberate rebellion and sin. If we follow his principles we'll be blessed. If we violate them we'll face consequences based on our disobedience, or as the Bible states, we've chosen the curses. This is an area where we really need to follow the exhortation of 2 Tim 2:15. "Do your best to present yourself to God as one approved, a workman who does not need to be ashamed and who correctly handles the word of truth."
There are three basic scriptural financial principles. If you follow these you'll gain godly wisdom and be blessed in handling your finances. I'm sure you can find other teachings which will present these in different numbers and styles. But trust me, right handling of your finances matters, so seek your Lord and obey his guidance.
1) Financial wisdom involves the right view of the ownership of "my" possessions. Yahweh owns everything, absolutely everything. That's the basic foundation of all financial matters.
Psalm 24:1. "The earth is Yahweh's, and everything in it, the world, and who live in it."
Deut 8:18. "Remember Yahweh your God, for it is he who gives you the ability to produce wealth."
Every square inch of dirt, every drop of water, every molecule of air, everything belongs to our Creator. When we deny that and say anything is "ours," we violate the most basic and foundational principle of financial wisdom. We must know and believe and act accordingly - because Yahweh owns it all.
Every single thing that's on this earth belongs to Yahweh. He's made us stewards. We're all money managers for God. We all make purchases to feed, clothe, and house ourselves and our families. We all make decisions about supporting ministries who offer the Gospel to the lost and needy in our world.
So he owns it and we manage it. As a person responsible to manage money and goods, as a worker for the Master, we must make decisions based on what the owner has instucted us to do. And to make these right decisions we need to know what his advice to us is through knowing his Word.
If I ignore the owner and say what I have is mine - because my name's on the deed, check, or whatever - then I'm saying, "I'm going to ignore the rightful owner and I'll do things my way." The problem with this is that Yahweh is perfect and I'm not. If I insist on doing things my way, then I'll make mistakes because I'm not using his guidebook or seeking his perfect instructions.
People inside our churches say, "I would tithe, but I can't. I don't have money to give to the church because of my bills." Would Yahweh tell you to take money designated for him and allow you to spend it on something else? I think we all know the answer is NO! We get in trouble by spending on our desires without asking Yahweh if it's right for us. We fail to recognize the source of all we have. When stewards begin to act like owners they always get themselves into trouble. Please remember that all you have actually belongs to your Creator.
2) Financial wisdom also involves the proper view of the acquisition of wealth. Worldly-minded people will lie, cheat, and steal to get "just a little bit more".
In our society people take handouts from our government without doing any work to earn it. Easy money is what too many of these people are after. Look at gambling and lotteries, much of it government sanctioned. They're totally against the scriptures, but many look for the "quick fix" that they believe will overcome all their financial problems.
According to the Bible, you get money by working for it. It seems that working for a living is the most unpopular way to make money in America right now. 2 Thes 3:10 points out something many people need to see and respond to. "If a man will not work, he shall not eat." Notice it says WILL NOT work. It doesn't say can't work. The Bible clearly tells us to care for those who can't work. But those who refuse to work aren't to be given handouts. Our government is excessive in the way it deals with this issue. The Church needs to let it be known that there's a better way.
The Bible advises us to make money by investing. If we don't make a lot of money, we tend to think we don't have to obey this instruction. But investing can be done on any income. Setting aside savings and investments to help us in times of emergency is clearly seen in Prov 6:6-11. I'll let you look it up yourself.
Saving can be a very good way to acquire wealth. You can do it $1 at a time. Look at the long term, don't give into the worldview that you have to have all the best stuff right now. Yahweh promised we'd have enough to get our "needs" met, not our "greeds" met. Yahweh doesn't want us to go needy. It's a bad witness when we're not trusting our finances to our heavenly Father, especially when we're carrying an excessive amount of debt.
3) Financial wisdom involves the right view of how we use our finances. Within the Bible, our Creator's instruction book for life, we find all the guidance we need. So we need to follow those instructions if we expect financial peace. We should make all our financial decisions based on our Father's instructions.
We should give to support Kingdom ministries. It's a command. Take care of the needs of those who work within the Church to expand Yahweh's Kingdom. He promises to protect and bless what we have if we do this. Check out Mal 3:10-11. Tithing of our firstfruits is Yahweh's plan, Yahweh's principle. Whether you believe tithing is necessary or not doesn't matter. It's our Creator's principle and we need to obediently serve him.
We're instructed to meet needs with our finances. It's the will of our Lord God Almighty that our needs be met. This begins at home, and according to scripture the head of the household is responsible. 1 Tim 5:8 says, "If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever."
We're instructed to meet the Spirit-directed goals we're aware of. Things like education, home, business, career. Trust in your Lord's guidance to manage these important issues.
We're instructed to give to those who have real needs. We already saw that we shouldn't care for those who are lazy and won't work. But people truly in need should be blessed by our giving. Prov 19:17 says, "He who is kind to the poor lends to Yahweh, and he will reward him for what he has done."
We're even allowed to meet some of our desires with our finances. Be careful with this and don't ever make this your number one priority. Actually, don't make it anything but the last item on your priority list. Yahweh will meet the desires of our hearts when we're obedient and faithful. Read Psalm 37:4-6. But know that these desires will be in tune with our Father's desires. Our selfish desires disappear when we truly seek and serve our Lord.
Don't be guilty of asking, "How little can I give without offending Yahweh?" Trust him to be faithful to his Word. Remember these three steps, and you'll handle your money well. First, Yahweh owns it all, and we're only stewards of what we have. Second, acquire and build your wealth in a godly manner. Third, use your finances according to Yahweh's instructions in the Bible.
If you get caught up in the worldy mindset of money please remember this from Prov 27:23-24. "Give careful attention to your herds; for riches do not endure forever." Your money will only last as long as you do. When you die you'll be living off the amount of the heavenly riches you stored up, not the earthly ones.
Financial wisdom requires that we have right priorities and manage what Yahweh has given us according to his principles. Money can't buy peace or love or joy, it can only bring temporary satisfaction. Don't be controlled by your money, control it in a godly manner.
Blessings & Peace, Mike