Money and faith might seem like separate realms, but a closer look at Scripture reveals that God’s Word speaks volumes about stewardship, wealth creation, and wise investing. In fact, money and our attitude toward it is one of the most-discussed topics in the Bible. Today, let’s explore what it means to approach wealth with Kingdom principles, a mindset that seeks not only to acquire wealth but to steward it wisely, invest in the future, and impact the world for the better. This article breaks down some profound financial insights with the foundational truth that God is the source of all we have, and wealth is a tool He entrusts us with.
Laying the Foundation: God and Money
Our relationship with money often reflects our beliefs about God. Scripture tells us in Matthew 6:24, “No one can serve two masters… You cannot serve both God and money.” This verse isn’t saying money is evil; rather, it points to the need to place God at the center, using money as a resource rather than an object of worship. Money has its place as a resource for building, investing, and multiplying, but it cannot replace God’s role in our lives.
Key Takeaways:
- God is the Source, Money is a Resource: Trust that God provides and supplies every need as we align with His purpose.
- Money as a Seed: Wealth can grow when planted and cultivated correctly. “Give, and it will be given to you…” (Luke 6:38) is more than a promise; it’s an economic principle that God blesses.
Clarity Leads to Confidence: Demystifying Wealth
Money, though complex in the world’s eyes, is straightforward at its core—it’s about how we steward, grow, and use it. Clarity brings confidence, and confidence fuels action. As Proverbs 4:7 reminds us, “The beginning of wisdom is this: Get wisdom, though it cost all you have, get understanding.” Wisdom in handling finances begins by understanding the principles of wealth.
The Parable of the Talents
In Matthew 25:14-30, Jesus tells the story of servants entrusted with talents (a form of currency). Those who invested their talents wisely doubled what they had been given. But one servant buried his, and upon the master’s return, he received only rebuke. The lesson? God desires for us to be fruitful and to multiply what we’ve been given, whether that’s wealth, skills, or influence.
“Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things” (Matthew 25:23).
The message here is clear: God blesses those who handle resources with wisdom, diligence, and faith.
Principles of Wealth: Income, Capital, and Assets
One practical financial strategy is to start by turning income into capital—funds designated for investment. With capital, we can create lasting wealth by investing in assets like stocks, real estate, and business ventures.
The Three-Step Wealth Formula:
- Turn Income into Capital: Designate a portion of income strictly for investment.
- Invest Capital into Assets: Assets like stocks and real estate offer potential for growth and can be a lasting legacy.
- Cultivate Growth with Patience: Wealth doesn’t materialize overnight. Proverbs 13:11 teaches, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Long-term investment yields lasting results.
Long-Term Investment and Compound Interest: A Godly Strategy
Investing is about more than “quick wins”; it’s about strategic, long-term growth. Compound interest, which is often called the “eighth wonder of the world,” is a powerful example of how small, consistent investments yield exponential growth over time. This is where the patience of faith comes in. It’s about planting seeds and allowing them to grow.
Scripture and Investment Wisdom
In Proverbs 21:5, we’re reminded, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Investing isn’t about hastiness or shortcuts—it’s about understanding how and where to place resources in ways that grow and multiply.
The S&P 500 as a Savings Alternative
If traditional savings accounts yield minimal returns, consider looking at alternatives like the S&P 500. Historically, this index has returned an average of about 10% annually over long periods, often outperforming standard savings. This doesn’t mean ignoring financial emergencies or security, but it highlights that with discipline and wisdom, our financial resources can achieve more over time.
How to Start
For beginners, consider investing in stable, long-term assets that reflect America’s growth. Think about industries that will be relevant well into the future, like technology, health, and infrastructure.
“But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal” (Matthew 6:20). Investing with a Kingdom mindset means prioritizing growth that benefits our families and communities, not just short-term gains.
Wealth and Responsibility: Building the Future
Wealth can be a fortress—a source of security and stability. Proverbs 10:4 tells us, “Diligent hands bring wealth.” But wealth comes with responsibility. Just as we sow seeds expecting a harvest, we are responsible for ensuring our wealth serves a purpose beyond ourselves.
Stewardship Beyond Self
The ability to invest, build wealth, and create security is a gift. When we focus on leaving a legacy that extends to future generations, we align with God’s command to “leave an inheritance for [our] children’s children” (Proverbs 13:22).
Legacy Mindset
As you build, ask yourself: What am I passing down? A legacy of wealth is more than financial—it includes values, principles, and a heart of faithfulness that can inspire generations to come.
Conclusion: Moving Forward in Faith and Financial Wisdom
Money is a tool that, when rightly understood and wisely invested, can empower, uplift, and transform lives. As believers, we are called to rise above fear and scarcity mindsets, embracing the truth that God is the ultimate provider. Like the Israelites crossing the Jordan into the Promised Land, we must step forward boldly, prepared to possess the financial blessings God has set before us.
Final Encouragement: Hold onto Joshua 1:11: “Prepare your provisions, for within three days you are to pass over this Jordan to go in to take possession of the land that the Lord your God is giving you to possess.” Like the Israelites, take steps to prepare financially and spiritually for the future God has promised.
God, through His wisdom and provision, invites each of us into a life of fruitfulness and prosperity—one rooted in purpose and propelled by faith.