Faith & Finances: Yes, God Cares About Your Bank Account 

Let’s talk about money — and not just in that uncomfortable Sunday sermon way where everyone clutches their purse and avoids eye contact. I mean real talk: budgeting, saving, giving, credit, investing, and building wealth like you’ve actually been entrusted with something valuable. Because here’s the truth many of us were never taught in church: faith and finances do go together — and when stewarded properly, they are a powerful combination. 

If you’ve ever felt torn between staying humble and dreaming big financially, you’re not alone. Some folks were taught that money is evil. Others believe that a fat bank account equals God’s stamp of approval. The Bible offers something much more balanced — and much more powerful. 

At its core, financial stewardship is a spiritual responsibility. Psalm 24:1 reminds us that “The earth is the Lord’s, and everything in it.” That includes your income, your side hustle, your 401(k), and yes, even your Chick-fil-A budget. You’re not just earning money — you’re managing God’s resources. 

When God Gives You More, You Don’t Panic — You Prepare 

Think of your finances like a garden. You don’t just throw seeds around and pray for a harvest while binge-watching Netflix. You water, you plan, you weed — and you wait. The same diligence applies to your money, especially when you approach it through the lens of faith and finances.

That starts with shifting your mindset. You’re not an owner — you’re a steward. That mental reset alone can change how you spend, save, and give. It moves you from, “It’s my money, I do what I want,” to, “Lord, how do You want me to manage this?” 

Debt Isn’t a Spiritual Flex 

Let’s be honest — debt is the silent financial vampire. It looks manageable at first, then drains your peace, your paycheck, and your future. The Bible doesn’t mince words on this one: “The borrower is slave to the lender” (Proverbs 22:7). It’s not saying you’re doomed if you have debt — but it is waving a red flag to say, “Don’t get comfortable here.” That’s why any faith and finances approach must take debt seriously and pursue freedom from it.

Whether it’s student loans, credit cards, or buy-now-pay-later temptations, God wants us to live free — not just spiritually, but financially. Try using the Snowball Method (start with your smallest debt and knock them out one at a time) or the Avalanche Method (tackle the highest interest rates first). Either way, debt freedom is possible — and worth the sacrifice. 

Tithing Isn’t About Losing — It’s About Trusting 

If you’ve ever looked at your bills and thought, “God will understand if I skip this tithe…” — same. But here’s the wild thing about giving: it’s less about what you lose and more about who you become. In the journey of faith and finances, tithing is one of the clearest ways to show where your trust really lies.

Malachi 3:10 challenges us to “test” God in this area — and He promises blessings so big we won’t have room for them. That doesn’t always mean luxury cars and beach houses, but it does mean peace, provision, and spiritual growth that money can’t buy. 

Want to shift your money mindset? Start by setting up automatic giving to your church. Or buy groceries for someone in line behind you. Give from where you are, not from where you hope to be. Trust that your Provider sees every seed — even the small ones. 

Save Like Joseph — Invest Like You Believe in the Future 

Remember how Joseph stored grain during the seven good years in Egypt? That wasn’t just a survival tactic — it was a divine wealth strategy. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Translation: don’t eat all your increase. A healthy faith and finances plan includes both saving and investing for the future.

Open a high-yield savings account and start building your emergency fund — aim for 3–6 months of expenses. Then, think long-term. Invest in retirement. Explore real estate. Consider faith-aligned platforms like The Timothy Plan if you want your investments to match your values. 

And yes, investing sounds intimidating, but so did online banking until we all figured it out. God can guide your decisions just as much in the stock market as He does in your prayer life. 

Build Wealth with Purpose, Not Just for Possessions 

What if wealth wasn’t about balling out, but being a blessing? 

The early church “sold property and possessions to give to anyone who had need” (Acts 2:45), not because they were minimalists, but because they were mission-minded. They understood something we sometimes forget — money is a tool, not a trophy. It’s meant to move, serve, and build up the body, and faith and finances together make that possible.

I saw this principle come alive in the most beautiful way during a 5-day business challenge I attended. 

At the end of the week, the facilitators offered a 90-day business accelerator program. The cost was $5,000 — definitely an investment. But they allowed a $1,000 deposit to get started. That’s when one of the attendees — a young woman — bravely unmuted her mic and shared her story. 

She had just lost her job. And not only that — she had taken in her nieces so they wouldn’t end up in the foster care system. She was stretched thin emotionally and financially, but she said something that has stayed with me: “I don’t know how I’ll pay for the rest, but I trust God. I’m all in.” 

She gave her last $1,000 as a deposit for the training. By faith. 

And then — like something out of a modern-day Acts 2 moment — someone else on the call, who had gone through the same training in a previous cohort, spoke up. They were so moved by her story, her sacrifice, and her faith that they offered to pay the remaining $4,000 on her behalf. 

No fanfare. No hashtags. Just quiet obedience and generosity. 

That’s the kind of wealth I want to build. The kind that listens to a stranger’s testimony and says, “I got you.” That’s faith and finances in action — not just accumulation, but activation.

This is what Kingdom finance looks like — not just accumulation, but activation. Not just legacy for your children, but liberty for someone else’s future. God doesn’t just bless us so we can be comfortable — He blesses us so we can be conduits of His grace and provision. 

That moment reminded me: we don’t give just because we have extra — we give because we are Kingdom-minded. Whether it’s $40 or $4,000, when wealth is placed in willing hands, lives are changed. 

Wealth with no kingdom impact is just accumulation. But wealth in God’s hands? That’s legacy. 

Delayed Gratification: AKA The Adulting Superpower 

Let’s be real. Most of us want it all, and we want it now — the house, the car, the Chanel bag, the matching luggage. But building wealth God’s way involves patience. And that means saying “no” to the impulse today so you can say “yes” to freedom later. 

Delayed gratification isn’t deprivation. It’s discipline. In faith and finances, that discipline allows you to sow into your future and into God’s Kingdom instead of just indulging in the moment. It’s buying investments instead of just outfits. It’s sowing into the future, even when the present is whispering, “Treat yourself.” 

Faith & Finances: Generational Wealth Starts with You

Imagine your great-grandkids calling you a genius — not because of a viral TikTok, but because you left them rental properties, investment accounts, or a self-published devotional that still sells. That’s generational wealth. In faith and finances, it’s not about being remembered — it’s about being responsible. 

You can build passive income through books, courses, businesses, and life insurance. You can leave something behind besides photos and fond memories. You can leave tools — and in the world of faith and finances, those tools become a lasting Kingdom impact your future family will thank you for.

So Where Do You Start? 

Right here. Right now. Take one small step today: 

• Create a faith-based budget using a tool like YNAB or download the Jars of Oil Monthly Budget spreadsheet. 

• Start or increase your tithing and giving. 

• Write down all your debts and create a strategy. 

• Open an investment account or take a free investing course. 

• Read a book that shifts your financial mindset — Dave Ramsey, Lee Jenkins, or Rich Dad, Poor Dad are all great starts. 

You were never called to just survive. In faith and finances, you are called to steward, multiply, and bless. So yes — God cares about your finances. Not because He needs your money, but because He wants your heart, your trust, and your freedom.

Your bank account may not look like overflow yet, but with every act of obedience, it aligns closer to God’s plan. 

Give, save, grow — and do it all with purpose. Because you’re not just building wealth…
You’re building the Kingdom.