How To Craft A Christian Personal Financial Theology

Photo by UnlockingTheBible

Photo by UnlockingTheBible

Let’s Review

In my last post Do You Have A Philosophy Or A Theology When It Comes To Personal Finances?, we explored four separate money beliefs that I believe many Christians operate their financial lives through one of these four belief systems:

  • Money Belief #1: Money is worldly and a necessary evil to survive. Let’s not discuss it.
  • Money Belief #2: Money is a taboo topic for the church world, but I recognize that money is addressed in Scripture.
  • Money Belief #3: I know what God’s Word says about money. I like my money system better. Now, leave me alone!
  • Money Belief #4: I recognize that I am God’s financial manager. I will follow His instructions.

Unfortunately, I believe many of us as Christians have never connected the dots between the whole money issue being addressed throughout the pages of Scripture and our role as money managers for God. The universal church has done a poor job of teaching and preaching what God has taught us about money through His Word.

In my last post, we also looked at the definitions of “Philosopy” and “Theology.” In simple terms, a philosophy is a life theory invented by man. Man’s theories are flawed and imperfect. A theology is a system of belief based on Scripture. If we believe that God’s Word is holy and without error, then a theological system of belief is flawless and perfect.

I believe Christians today are operating under financial beliefs invented by man, not a system of belief founded upon the Word of God.

Crafting A Christian Personal Finance Theology

Now is a great time for Christians to return to God’s ways about money. We live in a world that is severely confused on how to handle money at any level whether it’s personal finances, business finances, or government finances. This is why we’re living through such difficult financial times in recent years.

So, as Christians, how do we put together a belief system that is completely based on God’s Word? How do we craft a truly Christian personal finance theology?

Here are my thoughts on how to develop a Biblical theology of money:

  1. Be a regular reader of God’s Word. Shocking, I know. That’s rocket science right there! Seriously though, if you want to know what God has to say about money, you need to be reading through your Bible consistently. Don’t just camp out on a single book of the Bible. Don’t just read the New Testament or only the Old Testament. God’s financial belief system is sprinkled throughout the entire Biblical narrative. You can’t just read the book of Proverbs and nail down your theology of money, although that’s a great place to start.
  2. Attend a Crown Financial Bible Study and Financial Peace University. When people ask me the difference between these two small group studies, this is my response: Crown Financial is more of a true Bible study that is heavy on Scripture and truth. Financial Peace University is a practical, step-by-step financial plan based upon Biblical principles. I have done both, and I highly recommend both for a solid foundation in developing a theology of money.
  3. Google it! Again, I’m sure this is all rocket science that never even occurred to you. Type in the search bar “Bible verses about money” and you will receive 3,350,000 results! I’m looking at the search list, and I’m seeing some great pages to open up and explore.
  4. Read blogs that address personal finances from a Biblical perspective. There are many great Christian personal finance blogs out there, today. Here’s a list of the ones I’m most familiar with:
  5. Be sure to focus on these main areas in developing a Biblical theology: giving, tithing, saving, spending, debt, investing, business, contentment, planning, and stewardship. Check out this great article that addresses these issues and more: 250 Bible Verses about Money.

Questions: Have you ever gone through the process of developing a solid, Biblical theology on money? What other steps have you taken in developing your theology on personal finances?






Exclusive Bonus! Subscribe today and you’ll receive a link to download my brand new e-book, Moving From Broken To Superhuman: Your 5-Step Action Plan To Change Your Life, Today!, FREE of charge.

New Graphic

We respect your email privacy

Do You Have A Philosophy Or A Theology When It Comes To Personal Finances?

Photo by Loan Leaders of America Inc.

Photo by Loan Leaders of America Inc.

Money Beliefs

I’ve been involved in studying and teaching the ways of personal finances now for 10 years. It’s been an interesting journey that has impacted my life in many ways; mostly good, some bad.

As I have been on this decade-long journey, it has been thought-provoking to discuss with people their own personal finance beliefs.

We all have a unique set of beliefs or philosophy about money that we arrive at in our adult lives from a variety of sources. The majority of our beliefs we tend to pick-up from our parents (we either embrace their beliefs, or go completely in the opposite direction). Other beliefs, we pick-up from friends and others closest to us. Finally, we pick-up various money beliefs from the society we live in – TV commercials, internet media, so-called financial experts, and so on.

The world’s financial philosophy says one thing. God’s financial theology usually says the exact opposite.

Here’s the weird thing, though. Those of us who name the name of Christ as our Lord and Savior tend to adopt the financial beliefs of our parents, friends, and society over what God’s Word tells us about money. Over the last decade of observing a lot of various money beliefs, I have concluded the following list of four money beliefs often held by Christians:

  • Money Belief #1: Money is worldly and a necessary evil to survive. Let’s not discuss it. Some Christians have a (false) belief that money is a carnal, worldly system that is completely separate from their faith journey. They’ve never been taught or never made the connection that God’s Word has a lot to say about money and possessions. These people may even have the belief that money is sinful and should not be part of our spiritual conversations.
  • Money Belief #2: Money is a taboo topic for the church world. Some Christians believe money is a taboo subject that should never be discussed in church, even though they do recognize that money is addressed in Scripture. I’ve had people tell me directly to my face that we need to stop discussing money in our church because it will run people off to other churches. These same people would probably be more in favor of and less embarrassed by having a sermon series on a Biblical theology of sex than a Biblical theology of money (Personal note: I find this completely bizarre, yet fascinating about our societal beliefs!).
  • Money Belief #3: I know what God’s Word says about money. I like my money system better. Now, leave me alone! Some Christians have a good head knowledge that the Bible does have a lot to say about finances. They have chosen to bury their heads in the sand on God’s money system in favor of the world’s money system. Their actions seem to say, “God, I think the world’s money system is a lot more sophisticated than Yours. Sorry, but I’m going to go along with the world’s system, because it’s better.”
  • Money Belief #4: I recognize that I am God’s financial manager. I will follow His instructions. In this final financial belief, Christians recognize that everything comes from the hand of God, and we are simply called to be good managers of everything that He has entrusted to us. This not only includes our finances, but also our time, talents, resources, and even our physical bodies. Everything we have, everything we are belongs to Him.

Defining The Terminology

So, let’s take a moment and define the terms that we’re talking about in this post.

Philosophy: a set of ideas about how to do something or how to live.

Theology: the study of religious faith, practice, and experience.

Let’s put this in even simpler terms: a philosophy is a life theory invented by man. Man’s theories are flawed and imperfect. A theology is a system of belief based on Scripture. If we believe that God’s Word is holy and without error, than a theological system of belief is flawless and perfect.

So What? Who Cares?

The big deal here for the Christian, at least in my mind, is the “why.” Why are Christians so willing to adopt a financial belief system that is flawed and imperfect when God has the very best financial plan laid out in His Word?

When we embrace His financial teachings, we avoid debt, we save money, we provide for the needs of our family, and we invest in the Kingdom of God through generous giving.

This financial lifestyle is in stark contrast to the world’s financial system.

In my next post, we’ll take a closer look at actually crafting a Christian personal finance theology based upon God’s Word.

Questions: What financial belief system are you currently operating under? An imperfect theory taught by the world, or a perfect belief system written down in God’s Word?