Nothing is more sensitive than one’s money, and nothing is more daunting than talking to people about parting with money. Yet Jesus spoke more about money than He did about heaven, hell and prayer combined. Jesus knew that what people did with their money was a good indication of their priorities and commitments. He said, “Where your treasure is there your heart is also.”

Pastors are called to address the subject of money; after all, the church can’t function for long without financial resources. With shrinking congregations and skyrocketing costs, the need for funding is paramount to keep ministries going. Yet preaching about money must be performed with great sensitivity and care. One person may applaud the message (usually someone who has the gift of generosity and believes everyone should give more than the 10 percent tithe.) Others may be offended and never return to hear another message about money or any other subject (the stingy ones who are missing out on blessings and adventure).

Here are some observations regarding preaching about money.

Most Believers Want to Give
In some cases, it’s not that people don’t want to give to support the church; it’s that they can’t afford to give. Most believers have a desire to give, but many can’t due to poor planning, excessive debt, improper spending habits and other financial pitfalls. These people need to be released from their bondage. They need a money makeover. They need to understand and practice sound financial principles so they can be in a position to give.

Therefore, I almost always preach on giving in the context of money management. I share biblical principles:
• God owns it all.
• We are stewards of His resources.
• Everything will be returned to Him.
• We can’t take it with us.
• The first 10 percent is His.
• We need to have a financial plan.
• Live below your means.
• Save and invest for long-term needs.

I seek to train and to equip people to prioritize and plan so they can be positioned to give generously. The Bible is replete with examples and guidelines. A preacher never will run out of material to present these basic money management truths.

Preach Stewardship Series
I almost always preach about money in a series. If I only preach one annual stewardship sermon, more than half of my congregation will miss that message due to their attendance patterns. To reach everyone, a series is needed. I schedule the series either in January, when people are thinking about New Year’s resolutions and starting something new; or April, when people are thinking about taxes and having thoughts such as, “I should have given more to the church.”

I try never to preach a series about money during a budget promotion because it may come across as manipulation. I want people to give as a part of the discipleship process of growth and maturity. I don’t want one to feel as if he or she is merely paying the church’s bills. If I preach and teach about faith and financial life at a time when I am not asking people to give, people won’t say, “He’s always asking for money.” In addition, I mention the vision of financial stewardship and faithful generosity throughout the year by various sermons.

Preach Vision, Not Dollars
I want to encourage people to support the church because of its kingdom vision. People give to causes that are bigger than themselves. What better platform than the life-changing message and ministry of the church?

This is why every church needs a periodic capital campaign. These intensive fund-raising initiatives provide the church an opportunity to focus on vision, long-term needs and every member coming together to accomplish something big for God’s kingdom. During capital campaigns, personal and family stewardship is emphasized. People share stories of God’s faithfulness. Everyone is encouraged to be a part of the campaign.

Stress Stewardship as Part of the Disciple-Making Process
Our church lists “Giving generously of our God-given resources of time, talents and money regularly” as one of the 10 characteristics of a disciple. Jesus knew that one’s use of money would indicate his or her heart’s passion. The same is true today. The old saying is true: If you want to know someone’s priorities, check his or her calendar and checkbook.

A growing Christian is a giving Christian. A stingy Christian has failed to grasp God’s call upon his or her life and Christ’s lordship.

A Pastor Can’t Preach on Tithing if He Is Not Practicing Tithing
That may be the reason some pastors fail to preach and teach biblical stewardship. A pastor must set the example for others to follow. When we tithe, we can preach with authenticity and integrity. For me and my wife, we always have tithed, often giving more than 10 percent. Because of our faithfulness, God has blessed us.

I often incorporate personal stories of God’s blessings because of our faithful giving. While I don’t advocate the give-to-get philosophy, I want people to hear from my life experience that God rewards those who faithfully give. I also tell about times when giving was a struggle, but we gave out of obedience. During those times, God was teaching us very valuable lessons about faithfulness and commitment. These stories identify us with the congregation and communicate the struggles of putting faith into practice.

Encourage People to Start Their Giving Journeys
I recognize that some will struggle to give 10 percent or more at the outset of this journey due to the hardships of poor financial management, but they can start somewhere. I encourage people to begin by giving 1, 2 or 3 percent with the plan to increase the percentage until they reach the tithe. Often, I challenge our church with a 90-Day Tithe Challenge. Here, I encourage church members that even if they aren’t giving 10 percent to try it for three months. At the end of the quarter, they can resume their giving practices or if (and usually He has) God has blessed them, they will want to continue tithing.

Incorporate Humor When Talking About Giving
Money, as do all sensitive topics, causes people to become anxious and close their hearts to the teaching. I try to have a good sense of humor about money, telling about some of my financial mistakes. I want people to laugh, to lighten up, to feel at ease as I broach this all-important, serious topic. I have collected humorous cartoons and stories about money and giving. I use these in sermons as appropriate. I’ve found that if I can get people laughing, it often opens their hearts to receive truth.
Indeed, money is a sensitive subject, but nothing can change a person or a church as people who are faithful in giving. God will bless them and the church. God’s kingdom will expand. So preach boldly and unapologetically about money.

Rick Ezell is senior pastor of First Baptist Church in Greer, South Carolina.

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In an article for, Bob Russell says, “For years I boasted to our congregation that I only preached on stewardship once annually. When that dreaded sermon came, I apologized at the beginning: ‘If you’re visiting with us today, please understand that we only preach on giving once a year.’ In essence I said, ‘I’m sorry you’ve chosen to come today—I know this subject is a downer. Please come back anyway, and I promise you’ll not hear another sermon on money for 51 weeks!’

“It’s easy to understand why we tiptoe around the subject of stewardship. Money is still a god to many church members, and many visitors are skeptical of the church’s motives. Certain spiritual con men have fleeced their congregations and given preachers a bad name, and we don’t want to be identified with them.

“Even though preaching on money turns some people off, some are turned off when we preach on adultery or forgiveness, too. But we don’t apologize: ‘If you’re having an affair, please understand we seldom talk about sexual purity. Come back next week and you’ll be more comfortable.’ We don’t print a disclaimer in the bulletin: ‘The preacher will be talking about releasing resentment today. Please understand this sermon is for our members only. If you’re visiting today, you aren’t expected to forgive. If you’re currently harboring a grudge, earplugs are provided.’

“About a decade ago, I changed my philosophy from apologizing for teaching on a touchy subject to making it an essential part of my preaching calendar.”

(Click here to read the full article.)

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In an annual survey of college freshmen released in January 2007, almost 75 percent of the students interviewed said they thought it was very important, or even essential, to be “very well-off financially.” That compares to 62 percent who gave the same response in 1980 and to 42 percent who did so in 1966.

For many Americans, the desire to live like the “very well-off financially” has led to excessive spending on material things, resulting in a savings rate of minus 1 percent in 2006, the lowest since the Great Depression.

Even worse, people aren’t just sacrificing savings to get what they want. They’re using debt to buy things they can’t afford. Consumer credit rose to a level of $2.43 trillion in 2006, an increase of 4.5 percent compared to the previous year.

Ultimately, the required payments associated with this debt affect giving to the church and create financial stress that contributes to marital problems and even divorce.

What can pastors do?

The Bible has plenty to say about finances, giving pastors a solid base for teaching Christians to handle money and possessions in a way that honors God. Following are three key lessons in this teaching.

1. God owns it all.

When we recognize that God owns everything and that all blessings come from Him, our role as managers of His possessions becomes evident. We also see the multitude of blessings for which we can be thankful.

Psalm 24:1 says, “The earth is the Lord’s, and all it contains.” And in Psalm 50:10 the Lord says, “For every beast of the forest is Mine, the cattle on a thousand hills.” In verse 12 He says, “If I were hungry I would not tell you, for the world is Mine, and all it contains.”

Recognizing God’s ownership is important in learning contentment. If you believe that you own a particular possession, then the circumstances surrounding that possession will affect your attitude. If it’s a favorable situation, you will be happy. If it’s an adverse circumstance, you will be troubled.

Money is not our possession; it is God’s possession. He allots different amounts to us, based on His plan and purpose for our lives, and we will be held accountable for the way we manage allotments distributed to us. The Parable of the Talents, in Matthew 25:14-30, illustrates this point. The parable tells the story of a man who was going on a journey and entrusted his possessions to his slaves. “To one he gave five talents, to another, two, and to another, one, each according to his own ability; and he went on his journey” (v. 15).

When the Lord returned, He held each slave accountable for managing his possessions. Likewise, we are required to be faithful whether we are given much or little. As someone once said, “It’s not what I would do if $1 million were my lot; it’s what I am doing with the 10 dollars I’ve got.”

Each of us will ultimately stand before the Lord and be asked to account for how we managed our money and possessions. This perspective should motivate us to handle money strictly according to the principles of Scripture. Remember, every spending decision is a spiritual decision with eternal consequences. Our life on earth is so brief when compared with eternity; yet how we live on earth will influence how we live throughout eternity.

2. Giving

God’s attitude in giving is summed up in this verse: “For God so loved the world, that He gave His only begotten Son, that whoever believes in Him shall not perish, but have eternal life” (John 3:16). Note the sequence. Because God loved, He gave. Because “God is love” (1 John 4:8), He also is a giver. He set the example of giving motivated by love.

Before the Law was given in the Old Testament, we find two instances of giving with a known amount. In Genesis 14:20 Abraham gave 10 percent, a tithe, of the spoils to Melchizedek after the rescue of his nephew Lot. And in Genesis 28:22, Jacob promised to give the Lord a tenth of all his possessions if God brought him safely through his journey. After the Law was given, a tithe was required; and God reprimanded His people for not tithing: “Will a man rob God? Yet you are robbing Me! But you say, ‘How have we robbed you?’ In tithes and offerings” (Mal. 3:8).

The New Testament does not reject the concept of the tithe. It emphasizes giving generously, even sacrificially. What I like about the tithe is that it is systematic, and the amount is easy to compute. However, a potential danger of tithing is the view that once I have tithed, I have fulfilled all my responsibilities to give. For many, the tithe should be the beginning of their giving, not its limit.

Giving is important because our heavenly Father wants us to be conformed to the image of His Son. The character of Christ is unselfish, and as someone once said, “Giving is not God’s way of raising money; it is God’s way of raising people into the likeness of His Son.”

3. Financial faithfulness

Tithing is just one aspect of being faithful with what God has entrusted to us. Since everything is God’s, not just the tithe, we should be faithful in handling 100 percent of our money and possessions.

To achieve this goal, we must learn contentment. We are not born content, and learning to be content requires (1) knowing what God requires of us in handling money and possessions, (2) doing those requirements, and (3) trusting God to provide exactly what He knows is best.

In addition, we must learn to avoid coveting, determine how much is enough, make an effort to live more simply, and avoid determining our lifestyles by comparing them to others. We must prayerfully submit our spending decisions to the Lord, not be conformed to this world, and remember that success is meaningless apart from serving Him.

Proactive Financial Preaching

Like anything Christians do, whether it’s helping the poor or witnessing to a lost person, preaching about money should be done in love. “And if I give all my possessions to feed the poor, and if I surrender my body to be burned, but do not have love, it profits me nothing” (1 Cor. 13:3).

However, when offerings decline and the church is in danger of not being able to meet its obligations, pastors find themselves having to beg and prod the congregation to give more right away. In situations like these, pastors’ frustrations or worries can drown out love and give their financial preaching a desperate or even harsh tone.

To avoid falling into this trap, pastors need to be proactive rather than reactive. This requires a plan that is executed over time, before problems occur, and the success of this plan depends partly on the example – and consequent enthusiasm – of the church’s leadership.

For example, at North Point Community Church in Atlanta, Pastor Andy Stanley is a key promoter of Crown Financial Ministries’ Small Group Study. Andy can do this because he’s been through the study himself; and during the past several years, graduates of the study at his church number in the thousands.

This level of pastoral leadership is a key element in financial preaching, as noted last year during the annual Exponential pastor’s conference, sponsored by Crown and Generous Giving. Attendees at the conference were encouraged to

• preach boldly, motivating their members to grace-inspired generosity;

• teach joyfully, developing excitement resulting in a fully funded church; and

• celebrate effectively, helping their members apply God’s principles on finances.

However, they were also encouraged to apply successfully, modeling faithfulness personally and church-wide. If you haven’t been through a study of God’s financial principles, I encourage you to do so. Then, you can speak from experience when you say, “This benefited me, and I’m confident it will benefit you, too.”

The proactive method of modeling financial faithfulness and encouraging church members to do the same addresses money before it becomes a crisis. It allows time for discipleship, so that true life change can occur. On the other hand, reactive preaching may prompt people to give in order to meet a critical need, but it only deals with the most current symptom of an inner, spiritual problem. Thus, when the crisis has passed, church members are likely to slip back into their former giving habits.

Money, a forbidden subject?

A common fear is that church members couldn’t care less about the subject of money. It’s the same supposed fear that we often attach to the prospect of sharing the gospel with the lost: “They don’t want to hear about it.”

This may be true if a pastor’s financial preaching consists of no more than telling church members they’re supposed to be tithing. However, members also need to understand that tithing – and being able to give beyond the tithe when one is financially free – is a tremendous source of blessings for the giver.

For example, giving increases our intimacy with the Lord. It directs our attention and heart to Christ. Matthew 6:21 tells us, “for where your treasure is, there will your heart be also.” This is why it’s so necessary to give each gift to the person of Jesus Christ. As already noted, giving increases our character by making us more like Christ, who gave His life that we might be saved-and, giving results in an increase in Heaven. As Paul told the Philippians regarding their giving, “Not that I seek the gift itself, but I seek for the profit which increases to your account” (Phil. 4:17).

Beyond this, remember that the tithe is only 10 percent of church members’ income. You can further increase their interest in financial faithfulness by letting them know that God’s Word has much to say about managing the other 90 percent of their income. For example, non-giving issues dealt with in Crown’s Small Group Study include God’s part/our part, debt, counsel, honesty, work, investing, children, perspective, and eternity. These are issues that are on people’s minds, and they are relevant in any generation.

Within these issues are topics like biblically-based bookkeeping and budgeting, getting out of debt, staying out of debt, borrowing, lending, usury, cosigning, school loans, income taxes, retirement, charging interest, and collecting past due debts. Some of these issues might be addressed from the pulpit; others would be more appropriate as topics for elective classes on Sunday mornings or on a particular night of the week.

Even when pastors do all they can to model financial faithfulness, disciple their church members, and explain the blessings of following God’s financial principles, some members may ask, “Why talk about money when there are so many other important topics to discuss, like sanctification, justification, and salvation?”

Money is important because the Bible contains more than 2,350 verses on how to handle money and possessions. And, 15 percent of everything Jesus said in the Scriptures dealt with money and possessions.

Jesus equates how we handle our money with the quality of our spiritual life. In Luke 16:11, He says, “So if you have not been trustworthy in handling worldly weath, who will trust you with true riches?” (niv).

Finally, no Christian would deny the benefit of hearing what the Scriptures had to say about sin and salvation. Because of Christ, we have “the peace of God, which surpasses all comprehension” (Phil. 4:7). We are “born again to a living hope through the resurrection of Jesus Christ from the dead” (1 Pet. 1:3). And, among many other benefits, we have an inheritance in heaven that is “imperishable and undefiled and will not fade away” (1 Pet. 1:4).

In light of all these benefits, then surely God has benefits planned for those who hear what He has to say about finances, as well!

Christians in America probably receive a more diversified array of spiritual teachings than the rest of the Christian world combined. Yet, financial faithfulness is probably among the subjects that receives the least exposure in the church. As Christians, one of our chief mandates is the fulfillment of Jesus’ Great Commission (Matt. 28:18-20). And, in order to “make disciples of all the nations” (v. 19) we’re going to need a financial investment beyond paying for the utilities, maintenance, and cleaning of our churches. Pastors can help make the Great Commission a reality by sharing the financial principles of God’s Word, including all that our Lord taught as He lived on this earth as our perfect example.

Scripture quotations in this article are from the New American Standard Version of the Bible unless otherwise noted.


Howard Dayton is the cofounder and CEO of Crown Financial Ministries ( He is author of Your Money Map: A Proven 7-Step Guide to True Financial Freedom.


Powerful texts for financial preaching

1 Chronicles 29:11-12

The Living Bible contains a beautiful translation of these verses. It reads as follows: “Everything in the heavens and earth is yours, O Lord, and this is your kingdom. We adore you as being in control of everything. Riches and honor come from you alone, and you are the Ruler of all mankind; your hand controls power and might, and it is at your discretion that men are made great and given strength.”

These verses offer some of the most inspiring and encouraging words on the subject of God’s ownership. Here are some suggestions for developing an awareness of that ownership.

(1) Meditate on these verses for 30 days when you first awake and just before going to sleep.

(2) When referring to money and possessions, be careful in the use of personal pronouns. Consider substituting “the” or “the Lord’s” for “my,” “mine,” and “ours.”

(3) Ask God to make you aware of His ownership and make you willing to relinquish ownership. Make this a special object of prayer during the next 30 days.

(4) Establish the habit of acknowledging the Lord’s ownership every time you purchase an item.

Luke 16:11

When quoted from the New International Version, this verse says, “So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?”

If we handle our money properly according to the principles of Scripture, our fellowship with Christ is going to grow closer. However, if we are unfaithful, our fellowship with Him will suffer.

In the realm of finances, God has retained certain responsibilities and has delegated other responsibilities to us. Most of the frustration we experience in handling money is because we do not realize which responsibilities are ours and which are not. However, when we learn God’s responsibilities and do our part faithfully, we can experience contentment.

1 Peter 2:11

The King James Version of the Bible translates this verse as follows: “Dearly beloved, I beseech you as strangers and pilgrims, abstain from fleshly lusts, which war against the soul.”

As Christians, we must remember that pilgrims are unattached. They are travelers, not settlers, and are acutely aware that the excessive accumulation of things can distract them. Material things are valuable to a pilgrim, but only as they facilitate his or her mission.

Pilgrims of faith look to the next world. They see earthly possessions for what they are-useful for kingdom purposes, but far too flimsy to bear the weight of trust, and wholly unable to survive the coming destruction of things.

(Howard Dayton)

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