Living Rich with God’s money

In my previous article I addressed some questions that come up when talking about money and saving and what God has shown me about each question. In this article I will briefly explain how I am being led with my money.

The Goal, The Plan, The Purpose

Last year God gave me a goal to work on for finances. He wants me to cut my living expenses by at least 35%. I did not know why or how to do that when I am currently living paycheck to paycheck. This goal has been on my mind since, and I have done what I can to make it happen but without much luck.

Finally, after about nine months of praying over this God gave me the plan (Dave Ramsey’s Total Money Makeover) which I just started. I am not fully aware of the purpose of this goal other than to free up the resources God has given me to manage to help others. It is pretty clear in the Bible that this is required of all Christians, to help others with what God provided. Beyond that, I do not know why God wants me to make such drastic changes in my life.

Don’t worry, focus on God

Luke 12:21-24 has some words of warning and advice for us here.

“So is the man who stores up treasure for himself, and is not rich toward God.” And He said to His disciples, “For this reason I say to you, do not worry about your life, as to what you will eat; nor for your body, as to what you will put on. “For life is more than food, and the body more than clothing. “Consider the ravens, for they neither sow nor reap; they have no storeroom nor barn, and yet God feeds them; how much more valuable you are than the birds!

This passage tells me to not worry about your money, God gives and takes away, it is all His. If He chooses to use you for a storehouse for a year or a lifetime, awesome, if not, awesome.

Realize that it is all His, and you are just the steward, realize that money is nothing, focus on a relationship with God, that is what matters. Everything else just gets in the way. Want to save money? Sure, just make sure you are doing it for the Lord and following Him, not trying to make yourself secure. Only God knows the future, you never know what will come up where the money God has given you to manage could be used in a huge way if you were to just save a percentage of it now.

Want to give away every dime and rely on faith for your retirement? Awesome, just make sure it is from God so you are not left broke wondering what happened and God says “I gave you all the resources you needed and the abilities to work, you were not responsible so I took them from you.”

Whatever you do, do it for the Lord.

The Bottom Line

The bottom line, what counts is not how much money you have in savings, how much you make, how much you give away. What matters is your attitude towards God and towards your money.

I know someone who makes a lot of money, and gives a lot of money, yet his life does not show devotion to God. God isn’t pleased with our giving, He is pleased with our obedience to Him through our relationship with Him.

Repent of your greed (we all have it to some extent), and follow God. As you draw closer to Him your desires will become His desires. You will want to save and give away what He tells you because you are close to Him. Just be cautious of the greed and the pride that can sneak in and distract and destroy.

Word of Warning

One last word of warning though. Do not just assume that God wants you to build up wealth and spend money on yourself to live comfortably and have nice cars. In America we have the mindset that we deserve the nice cars, big houses, big screen TVs and game systems. Before you buy anything for yourself, or before you start putting most of your money into retirement, pray, and sure you use God’s money the way God wants you to. God may not have called you to that life of comfort you want to live in.

Living Rich, is it a sin to have money?

We have mentioned in many posts recently what God says about the rich. Mainly that it is impossible for the rich to get into heaven, and yet every one of us in the United States and the western world in general are rich. Considering the fact that most of the world lives on less than $2 a day we can get a sense of just how rich we truly are.

I know that many of those articles can be very convicting and give the impression that we are need to give all possessions away and live like the poorest so we can give away everything. I know the thoughts that can go through your mind when reading these articles because this is a struggle I have had for the past several months. I don’t write these articles with an attitude of “I got it all together, now do what I do!” On the contrary, I write these articles because it is what God puts on my heart, and He puts them on my heart ninety-nine percent of the time because it is the lesson I need to be taught.

The past several months I have been in conviction over my money, am I making too much, am I using it wisely, do I give it all away, what about retirement? I have had nights where I get home from work in the morning and weep and seek God in prayer because I am just so lost on what to do. I don’t want God to say it is impossible for me to get into heaven because I am obsessed with riches, or because I saved one million in the bank instead of giving it away. (ha, like that would ever happen :P)

So after months of seeking God in this, I finally have a hint of where to go. I wish I had the full answer, but until God reveals it to me you will be in the dark with me. 🙂

Is it wrong to make money?

Being wealthy is not a sin. Many heroes of the Bible were wealthy, Abraham for one, and even Zaccheius was wealthy and likely some of the disciples had at least a decent amount of money such as Mark (tax collectors generally did well then) and Luke, a physician had the ear of the “most excellent Theophilus” (Luke 1:3) which meant he probably had a position of power, which means wealth.

The difference, between any follower of God in the Bible and the rich man Jesus rejects in Luke 18, is that a follower of Jesus doesn’t care about the wealth. If you are following Jesus, your goal should never be about money, making more or saving more or even giving more, focus on Jesus. When He is your focus you realize that your wealth is really nothing more than a resource God has given to you to manage properly and serve Him.

Is it wrong to save money?

Saving money is not a sin as long as you are following God with your money. Zacchaeus (Luke 19) gave away 50% of everything he owned, because he wanted to use his resources to serve God, not to just save for himself. But why not give away 100%? He gave away what he was convicted to give away, following God’s prompt on his conscience. It no longer was about saving or having money to him, just about following God, even if it meant giving away his wealth. He didn’t care because he was following God, that is what matters. He is just one of many examples of how when we focus on Jesus, we care less about ourselves and our achievements and start to adopt the heart of God for the lost.

Here is another thing to look at. There is a joke of a guy who was trapped in a house during a flood. A guy on a canoe came by, asking if he needed help while the guy tried to climb to the highest point on the roof. The guy responded “No thank you, I have faith God will save me”. Then as the water continued to rise a helicopter came by to save the guy, who just replied “I have faith God will save me.”

Well, the guy ends up drowning. He gets to heaven and asks God, “why didn’t you save me?” To which God replies “I gave you warning a flood was coming and even after you ignored it I sent a canoe and a helicopter, what else could you need?”

Bad joke, I know, but it shows a lesson which is true. We can’t throw away God’s blessings and then expect him to miraculously save you last minute. He might, because He is sovereign and loves us despite us being bad stewards of His money. God has given us in America the money to get out of most situations. We just choose to blow it on ourselves and buy things we can’t afford and then cry out to God when we are out of money. Yes God provides for us, but does that really sound right to waste his provision and then blame him for “not providing” when times are tough?

Is that how we are supposed to manage God’s resources?

Is debt wrong?

The Bible does give some allowance for debt, but I do not recall ever seeing the Bible promote or say it is a good thing. I personally think debt is a sin, for two reasons.

First, debt is almost always caused by our wanting what we cannot afford. You want that new car? Save up for it! Or find a cheaper alternative.

God has given us tremendous resources, there should be no reason we can’t save up for something whille still having money to give to those in need and supporting our family. It may take sacrifice, but at least you will be buying what you afford and not borrowing.

The second reason I see debt as sin, is something God has recently shown me. I am absolutely tired of not being able to help people like I once was able to, why? Because of my debt. My debt is draining so much of my money that I live paycheck to paycheck and have a really hard time paying for food, let alone helping others.

If I did not have my debt it would free up my resources to be able to help others. Lost your job? Sure, here is $350 to help you get back on your feet, oh wait, that money has to go to my car payment, sorry. There is so much more we could do without debt.

Stay Tuned

In my next article I will discuss about worrying over money and what God has told me about each of these areas in my own personal finances.

What do you think? Is it a sin to make money or save money? How do you ensure that you are using God’s money wisely and not just blowing it on yourself? Let me know in the comments below.

The link between wealth and salvation

Zaccheus stopped and said to the Lord, “Behold, Lord, half of my possessions I will give to the poor, and if I have defrauded anyone of anything, I will give back four times as much.”

And Jesus said to him, “Today salvation has come to this house, because he, too, is a son of Abraham.

“For the Son of Man has come to seek and to save that which was lost.” – Luke 19:8-10

Both this passage and Luke 18:18-27 mention a link between wealth, what you do with that wealth, and your salvation. What is this link, and what does it tell us about our salvation?

Two noticeable events take place in this passage. The first is Zaccheus declaring that he is giving away over half his money, and the other is that Jesus announces that he is saved. At first glance appears like a cause and effect, the cause being that Zaccheus gives away his wealth, and the effect is that Jesus declares that he is saved.

This idea also looks to be backed up by the passage in Luke 18 where a rich man asks Jesus how he can have salvation and Jesus replies saying to give away all of his wealth. The rich man then walks away sad and Jesus says to his disciples that it is impossible for the rich to get into heaven.

There is something you have to remember about reading the Bible though. You cannot take certain passages in the Bible and base doctrines on those passages, you have to take the Bible as a whole. A lot of times concepts are explained and then later on they are refined or more detail is given.

So then how do we reconcile this with verses such as Ephesians 2:8-9?

For by grace you have been saved through faith, and that not of yourselves; it is the gift of God, not of works, lest anyone should boast. – Ephesians 2:8-9

The passage in James 2 ties these two concepts together perfectly and clears any cloud of confusion that some may have. James says “What does it profit, my brethren, if someone says he has faith but does not have works? Can faith save him? … Thus also faith by itself, if it does not have works, is dead.” (James 2:14,17)

A person is not saved by any work they do, no matter what it is, because our sin is so great to God that no amount of our “good works” could make up for it. It is only through our faith in Jesus Christ that we can have salvation, and by nothing else. But when you have faith, you will have good works as a response to your faith. It is not something you have to make yourself do, it is out of an act of love.

I love my wife, and because I love her I do things for her, help her out around the house when she isn’t feeling well, or buy her her favorite chocolate as a surprise when I am at the store.  These acts do not make her love, the acts do not make her my wife, they are just acts of kindness that I do in response to my love for her.  Faith in Christ works the same way.

Was not Abraham our father justified by works when he offered Isaac his son on the altar? Do you see that faith was working together with his works, and by works faith was made perfect? And the Scripture was fulfilled which says, “Abraham believed God, and it was accounted to him for righteousness.” And he was called the friend of God.You see then that a man is justified by works, and not by faith only.

Likewise, was not Rahab the harlot also justified by works when she received the messengers and sent them out another way?

For as the body without the spirit is dead, so faith without works is dead also. – James 2:21-26

Abraham was not saved because of his actions. Abraham took action because of his faith, they work hand in hand. If Abraham did not have faith, then he would not have acted.

Zaccheus was saved that day, but not because he gave away his wealth, but because he had faith in Christ. Once Zaccheus had faith his wealth was meaningless to him because he had Jesus. Zaccheus acted out of response to his faith in Christ. Jesus then announced that he was saved because Zaccheus had faith, and he also had evidence of faith in his works.

The rich ruler in Luke 18 wanted Jesus, but he wanted his riches more. He did not have faith or he would not have cared about his riches.

Again, the kingdom of heaven is like treasure hidden in a field, which a man found and hid; and for joy over it he goes and sells all that he has and buys that field. – Matthew 13:44

When you are saved through your faith in Christ you have a heart for God, and a heart for others. At that point the things of this world should seem meaningless as you pursue Christ and the kingdom.

Pure and undefiled religion before God and the Father is this: to visit orphans and widows in their trouble, and to keep oneself unspotted from the world. – James 1:27

If you have wealth, how are you using that for the kingdom of God? Are you just spoiling yourself? Are you staying “unspotted from the world”? As a professing follower of Christ you should be pursuing the things God wants you to pursue, and if you are not then why not? Do you put Christ before your family even? (Luke 14:26)

Are you really putting Christ first in your life?

If Jesus confronted you today, would he say “today salvation has come to this house” or would he say “how hard it is for those who have riches to enter the kingdom of God”?

The choice is yours.