Faith & Finances: 5 Biblical Principles for Wealth Building

Introduction: Can Faith and Finances Work Together?...

Many Christians struggle with the idea of wealth. Some believe that having money contradicts humility, while others see financial success as a sign of God’s blessing. But what does the Bible really say about money, wealth-building, and stewardship?

In reality, God calls us to be wise stewards of the financial resources He gives us. Wealth, when managed with integrity, can be a powerful tool for personal stability, generosity, and kingdom impact.

1. God Owns Everything – We Are Stewards

“The earth is the Lord’s, and everything in it, the world, and all who live in it.”
– Psalm 24:1

One of the most fundamental biblical truths about finances is that God owns everything—our money, our possessions, even our ability to earn income. We are simply stewards (managers) of His resources.

Reflection Questions:

• Do you view your finances as your own, or as something God has entrusted to you?

• How does this perspective change the way you budget, spend, and give?

2. Avoid Debt – It Leads to Financial Bondage

Actionable Steps:

• Use the Snowball Method (pay off the smallest debt first) or Avalanche Method (pay off the highest interest rate debt first).

• Use credit wisely: Only use it when you know you have the cash to pay it off

• Use credit for Assets, not liabilities

Reflection Questions:

• What types of debt do you currently have? Download our

• How can you start reducing your debt burden today?

3. Tithing & Generosity: The Key to Financial Blessing

“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.”
– Malachi 3:10

Tithing (giving 10% of your income to God’s work) is a biblical principle of financial discipline and faith. It reminds us that God is our provider and that money should never become an idol.

Actionable Steps:

• Set up automatic giving to your local church.

• Look for ways to bless others (pay for someone’s groceries, support a single mom, donate to a cause).

• Start a gratitude journal to shift your focus from financial stress to financial blessings.

Reflection Questions:

• Are you prioritizing giving in your financial plan?

• Do you trust God enough to give generously, even when finances are tight?

4. Saving & Investing: Preparing for the Future

“The wise store up choice food and olive oil, but fools gulp theirs down.”
– Proverbs 21:20

Building wealth isn’t about hoarding money—it’s about being prepared for the future and using resources wisely. The Bible encourages wise saving and investing, just like Joseph stored grain during the years of abundance to prepare for famine (Genesis 41).

Actionable Steps:

• Build an emergency fund (3-6 months of living expenses in a High Yield Savings Account).

• Invest in retirement accounts (401(k), Roth IRA, etc.).

• Consider faith-based investing (stocks, real estate, business ownership).

Recommended Faith-Based Investment Platforms:

• The Timothy Plan (Faith-driven investing for Christians)

Reflection Questions:

• Are you actively saving and investing for the future?

• How can you align your investment decisions with your faith?

5. Building Wealth to Serve Others & Glorify God

“They sold property and possessions to give to anyone who had need.”
– Acts 2:45

The ultimate purpose of wealth is not just personal security, but generosity. True financial success means helping others, funding ministries, and leaving a legacy of faith.

Ways to Use Wealth for Kingdom Impact:

• Support missionaries & ministries that spread the gospel.

• Fund scholarships for Christian education or vocational training.

• Create jobs & opportunities through ethical business ventures.

Reflection Questions:

• How can your financial blessings serve others?

• What legacy do you want to leave behind?

Take Your Next Step Toward Faith-Based Financial Freedom

Here’s what you can do today:

1. Start a Faith-Based Budget: Use a budgeting tool like Every Dollar or YNAB (You Need a Budget).

2. Give Generously: Set up recurring tithes and charitable donations.

3. Eliminate Debt: List your debts and create a payoff strategy.

4. Invest Wisely: Open a faith-based investment account with through The Timothy Plan or learn to invest through courses.

5. Educate Yourself: Read or listen to books like

   • "The Total Money Makeover" by Dave Ramsey.

   • Lee Jenkins on Money: Real Solutions to Financial Challenges by Lee Jenkins

   • The Wealth Choice by Dennis Kimbro

   • Rich Dad Poor Dad by Robert Kiyosaki

💬 What is one step you will take this week toward financial freedom?

📢 If this post blessed you, share it with a friend!

“The rich rule over the poor, and the borrower is slave to the lender.”
– Proverbs 22:7

Debt is one of the biggest obstacles to wealth-building. Many people live paycheck to paycheck due to credit card debt, car loans, and student loans. While some debt may be necessary (such as a mortgage or business loan), unnecessary debt keeps us financially trapped.