Making Significant Financial Decisions (financial planning, stewardship)

"As Jesus passed on from there, He saw a man named Matthew sitting at the tax office. And He said to him, 'Follow Me.' So, he arose and followed Him." ~ Matthew 9:9 Have you ever considered the makeup of the men Jesus chose as His disciples? Looking at their character, personality, and professions, many of us would likely reject them outright—too rough, not the right fit. But Jesus knew exactly who He was calling. Matthew’s calling stands out. As a tax collector, he was an outcast in society, hated by most. With the government's blessing, he extracted taxes from his own people, making him a figure of scorn. Yet, Jesus saw something in him. The call to follow Jesus wasn’t just a command—it was a connection. Matthew responded, recognizing his need for Jesus and Jesus’ need for him. Matthew immediately invited his friends to join him at the dinner table with Jesus. He knew he wanted them to meet this man. Matthew’s transformation began the moment he answered that call. Being with Jesus changes people. Mindsets shift, perspectives are altered, and old habits are replaced by new ways of living. The lives of the other chosen disciples were also radically altered forever. For Matthew, a former tax collector or customs officer, his life was defined by manipulation and exploitation for personal gain. But over time, Jesus’ love began to heal the wounds inflicted by others and dissolved the mistrust that once controlled him. His change was so profound that he went on to write a book of the Bible that told the story about this man who so changed his life. Jesus didn’t just change his heart; He also reshaped Matthew’s understanding and approach to money. What once drove him—greed and manipulation—was replaced by a new appreciation of the purpose and proper use of money. Matthew’s transformation started with a heart change, which then shifted his motivations and actions. No longer a taker but now a giver to all in need. Matthew’s journey mirrors our own. As we draw closer to Jesus, He begins to change our hearts. New truths emerge, transforming our thinking and our lives from the inside out. What once felt familiar and comforting can and will begin to lose its appeal. Perhaps there are areas of our own financial lives that God wants to transform—new habits, fresh perspectives, and opportunities to bless others. Why hold back when He can bring change to this crucial area of our lives?

“Here I am! I stand at the door and knock. If anyone hears My voice and opens the door, I will come in and eat with him, and he with Me.” ~ Revelation 3:20 Years ago, a friend shared a question she asked her son: If your life were a car and the Lord was traveling with you, where would He sit? Would He be behind the steering wheel, in the passenger seat, in the backseat, or in the trunk? Her son, honestly, replied that the Lord was in the backseat. I have heard similar questions asked, and responses vary. I suspect many people have not deeply considered such a question. Life moves on, and many go through their days without truly reflecting on the Lord’s presence, perhaps only thinking of Him on Sundays during church. For some, it might be as if He’s in the trunk—part of their life, but not central or meaningful. Others may be more aware of the Lord throughout the week, consulting Him occasionally when it’s convenient or necessary. These individuals might think of the Lord as sitting behind them in in the backseat. Then, there are those who clearly desire the Lord’s presence in their lives. They seek His guidance, believing He plays a vital role in their life’s direction. For them, the Lord sits next to them in the passenger seat, involved but not in complete control. Lastly, some have made the conscious decision to place the Lord fully in the driver’s seat of their lives. They have surrendered control, handing Him not only the keys but also the car, trusting Him with the direction and course of their lives. They have invited Him into every aspect of their being, recognizing His ultimate authority over them. The same can be said of how we manage our finances. Some acknowledge the Lord’s influence, but only marginally. Others may consult Him occasionally when making financial decisions, knowing He has something to say about money in His Word, but they still maintain control. However, there are those who understand that everything they have—finances included—belongs to the Lord. They recognize that He has full authority over how their money is spent, saved, and invested. They seek to be obedient to how He leads and directs every step of the way. They trust that He provides the increase or decrease as He sees fit, knowing His purposes are far greater than their understanding. This allows for them to experience His power and presence every day of their lives. He becomes more than an honoured guest. So, where have you placed the Lord in your financial discipleship "car"?

“Do not remember the former things, nor consider the things of old. Behold, I will do a new thing; now it shall spring forth; shall you not know it? I will even make a road in the wilderness and rivers in the desert.” ~ Isaiah 43:18-19 Each new year brings an opportunity to reflect on God’s goodness throughout the past year—to thank Him for His blessings and the ways He has worked in our lives. These moments of reflection often reveal insights we may have missed earlier. Hindsight provides deeper understanding, helping us grasp lessons learned and cherish meaningful memories and experiences. Of course, reflection also brings regrets. Poor decisions, often made hastily or without fully understanding the context, can leave lasting consequences. Unresolved emotions, painful memories, and lingering conflicts demand our attention, pushing us toward resolution and growth. True new beginnings require letting go of the past. Forgiving those who have hurt us and practicing self-forgiveness are among life’s greatest challenges. Yet, our Heavenly Father invites us into His loving embrace, urging us to release our doubts, fears, and shame. He wants us to lay down the burdens of the past year and trust Him to carry them. When we release the disappointments, misgivings, and uncertainties of the previous season, we create space for fresh vision and creativity. Hope arises, and a renewed sense of anticipation strengthens our faith. Isaiah’s words continue to resonate, reminding us that God desires to do something new and transformative in our lives. Just as He was faithful to His covenant people, Israel, He remains faithful to us today. God’s plans are beyond what we can imagine or achieve on our own. His ways and timing are perfect, unobstructed, and immeasurably creative. Even in the most challenging circumstances, He can make a way when no way seems possible. For many, financial struggles can feel like an insurmountable wilderness. Debt, rising expenses, and financial pressures can seem overwhelming, often compounded by unwise decisions or commitments. These challenges can feel like a suffocating weight. Yet, God promises to make a way. His provision and guidance are real and trustworthy. To position ourselves to receive His promises, we must open our hearts to His redeeming love and allow Him to transform our attitudes, beliefs, and habits. When we invite God to refine our approach to money management, He can lead us into newfound freedom and peace. As you step into this new year, take a moment to consider: What new beginnings are you hoping for? What areas of your life need God’s touch? Release the old into His hands, and allow Him to work in ways that only He can. Trust in His promise to make a way—even in the wilderness—and let hope rise within you. 

"But soon a fierce storm came up. High waves were breaking into the boat, and it began to fill with water. Jesus was sleeping at the back of the boat with his head on a cushion. The disciples woke him up, shouting, 'Teacher, don’t you care that we’re going to drown?' When Jesus woke up, he rebuked the wind and said to the waves, 'Silence! Be still!' Suddenly the wind stopped, and there was a great calm.” – Mark 4:37-39, NLT In this passage, we see Jesus with the disciples as a fierce storm hits their boat. Despite the chaos, Jesus remains asleep, seemingly unconcerned. He had planned to cross the Sea of Galilee, and this storm was part of a larger teaching moment. His purpose? To see how the disciples would respond to the storm while He rested. Many of us also recall the moment when Peter stepped out of the boat to walk on water. He did fine until his focus shifted to the waves, and then he began to sink (Matthew 14:30). In both instances, the disciples were acting in obedience to Jesus’ direction, even though they faced storms. Being in a storm doesn’t mean we’ve done something wrong or are out of God’s will. Even with Jesus in the boat, the disciples still encountered the storm. The question is: how do we respond when life gets stormy? Do we call out to Jesus for help? Or do we try to solve the problem ourselves, relying on our own strength and strategies, inadvertently displaying our independence and self-sufficiency? Often, this leads us away from trusting in God. God’s desire is for us to turn to Him, acknowledging our dependence and trust in His ability to guide us through the storms. We all face financial storms—financial setbacks, sudden illness, job loss, overwhelming bills, business struggles, or losses in the markets. No one is immune. Our response to these challenges impacts both our financial and spiritual growth. The two aspects are closely tied together. Sometimes, it’s a walk of faith, making decisions without knowing the outcome – simply following the Lord’s leading. Other times, we try to avoid the problem, only making it worse as the situation spirals. Ultimately, our response reveals where our trust lies. When we cry out to God in the storm, we are acknowledging that He is with us and will lead us through. There’s no better way to weather the storm than to rely on His strength, not our own. 

“He changes times and seasons; he deposes kings and raises up others. He gives wisdom to the wise and knowledge to the discerning. He reveals deep and hidden things; he knows what lies in darkness, and light dwells with him.” ~ Daniel 2:21-22 As we navigate the constant stream of social media posts, news updates, and blog entries, it's hard to miss the frequent revelations about leaders, especially those within the Body of Christ. These exposés often lead to profound repercussions, including the disillusionment of those who once looked up to these leaders. My American pastor friend recently observed that each week seems to bring news of another pastor stepping down due to inappropriate conduct. The fallout is tragic, often leading some to question their faith. Yet, these revelations serve a higher purpose: they challenge leaders to reflect on their lives, what they model and how they manage the resources entrusted to them by God both the sheep and the money. However, God's exposure is not limited to only leaders; it extends to our personal finances as well. Consider how Daniel 2:22 speaks to us: “He reveals the deep and hidden things.” This can certainly apply to our financial lives. Sometimes we actively seek God’s guidance, asking Him to illuminate our financial decisions. Other times, He brings issues to light to prompt us to make necessary changes. What Is God Revealing About Your Finances? As you examine your financial habits, ask yourself: Are you an owner or a manager? Do you see your wealth as something you control and accumulate, or as a stewardship entrusted to you by God? Is your focus on accumulation or generosity? Are you driven by the desire to amass wealth, or are you seeking to use your resources to bless others? Do you trust in yourself or in God as your source? Are your financial decisions based on self-reliance or faith in God’s provision? Do you seek power and status, or aim to serve with humility? Are your financial goals motivated by status and power, or by a desire to serve and encourage others? Do you live for the present or plan for the future? Are your financial choices geared toward immediate gratification, or do they reflect a vision for the future and beyond into eternity? Imagine if someone were to observe your financial transactions, whether they’re purchases, online orders, or the management of bills, investments, and savings. How would they view your priorities and habits? What would they discern about your values and trust? God is ever-aware of our financial practices and desires for us to act with integrity and awareness of His presence. He invites us to reflect on our financial choices and motivations, bringing to light what may be hidden in the depths of our hearts. What Might God Want to Bring into the Light About Your Finances? As you ponder these questions, be open to God’s revelations. He might be calling you to reassess your financial priorities, to shift from a mindset of ownership to stewardship, or to embrace a more generous and humble approach. These reflections are not just about adjusting your budget but about aligning your financial practices with a Kingdom perspective. Consider making new decisions that set a new course for your financial health and spiritual growth. Allow God to expose what is hidden and guide you into a new journey of discovery, freedom and blessings.

“For we are His workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” ~ Ephesians 2:10 Over the years, my travels and experiences have allowed me to observe individuals from various economic backgrounds. From those on welfare or pensions to millionaires and people living in third-world nations, I have seen a wide range of financial situations. Many of these individuals identify as Christians and share a common heart: to bless the Lord and be generous, following His prompting to give. They understand the principles of tithing and giving, incorporating these practices into their lives. However, the significance and consistency of these practices vary widely. Observations of Financial Attitudes 1. Entitlement Mentality: Some individuals relying on financial support exhibit a sense of entitlement, believing they are "owed" funds for various reasons. While some reasons are legitimate, others border on illegal. This entitlement often stems from a victim mentality, lacking self-awareness and empowerment, which prevents them from assuming a different mindset about their finances. 2. Financial Responsibility: Others demonstrate purposeful financial management, steadily managing their debt and growing their resources. However, some take a laissez-faire approach, not tracking their spending or debts, letting money come and go without much thought. 3. Giving for Recognition: I have observed individuals who give out of a sense of duty but seek acknowledgment, looking for accolades and a need to appear well-off. For them, giving is tied to receiving blessings and social validation. 4. Third World Generosity: In third-world nations, the perspective is often different. People give out of humility and honour, even when they have little to offer. Their generosity can be overwhelming, teaching us about the true spirit of giving without expecting anything in return. Not receiving would disappoint and wound. 5. Wealth and Humility : Those with significant wealth often display contrasting attitudes. Some flaunt their riches, seeking the limelight and using their finances to influence others. In contrast, others with considerable wealth walk in humility, their wealth and possessions not defining them. Their identity remains rooted in Christ. Reflection How do your money and possessions shape your identity?

“Take care, and be on guard against all covetousness, for one’s life does not consist in the abundance of his possessions.” ~ Luke 12: 15 Randy Alcorn’s fictional book Deception depicts various conversations and activity taking place in heaven. These dialogues made me pause and consider my own thoughts of heaven. What really will heaven be like? Randy builds a strong correlation between how we live our lives here on earth and what we will be doing in heaven. This reminded me of Scriptures about our activities on earth resulting in laying up treasures in heaven. The parable of the rich fool found in Luke 12:13-21 would also suggest this truth. Jesus uses startling language in the midst of the parable. He calls the rich man a fool. Such was the shock value of this parable for the listeners. The rich man had bought into the lie – work hard, be successful, kick back, and party away the rest of your life. He had become self-absorbed and self-serving with his success and abundance, no regard for others. The creation or gain of wealth is not the issue. The concern is the lack of recognition and acknowledgement of wealth’s source exposing the attitude of the heart. The rich man does not inquire of the Lord about the purpose or intent of his success and wealth. He had become complacent and self-sufficient. He coveted another lifestyle. What does this have to do with us? The subtlety of desiring wealth and success above all else can slip in so easy and unnoticed. The desire gives way for a larger home, a perfect vacation, and even a cottage or speed boat. Nothing is wrong with any of these things, but what might be the motivation behind these desires? Our energies often more than not, become focused on these desires. Might the Lord have others plans for us and our abundance? Fundamentally, the parable’s core premise is the rebuke of Jesus to the rich man for his focus on living in the here and now. There is no awareness of anyone beyond himself. No emphasis on the Source. No attention to the needs of his servants in light of their role in his success. No appreciation of his life’s activities impacting his future in eternity. God’s challenge to the rich man focuses on the sudden ending of his life and what will then become of his wealth. Fool is not a term of endearment. The name is a clear and resounding rebuke. Is there more to life than striving to accumulate wealth for ourselves? Perhaps it is time to ask ourselves that defining question.

Jesus gives the people a clear and poignant warning when He makes the statement – “No one can serve two masters; for either he will hate the one and love the other. Or else he will be loyal to the one and despise the other. You cannot serve God and mammon.” (Matthew 6:24) What might it look like to contend with mammon? · You can’t help yourself from buying something you like when seeing it online · You watch your investments drop several thousand dollars in one day and your feel fear gripping your heart · You watch your bank accounts doubling in size with an inheritance and suddenly you sense an immense level of power and control · Your inbox is filled with several invoices and worry and anxiety fill your heart · A ministry you know well asks for some additional funds and you struggle to donate · Your check out your credit card statement and see how much is owing and dread and depression descend upon you The voices of the spirit of Mammon daily vie for our attention. Contending with this spirit requires us to understand its motive and that no one is immune from its temptations. It seeks to distract and entice, to undermine our security and trust in the Lord, and to provide a false sense of identity, peace, joy and love. This spirit misleads us into believing we have our significance and value in this world due to our wealth and status. The voices are subtle but subversive, stealing our peace and joy leaving us empty and anxious. This spirit seeks to win our affections and trust in the things of this world. But we know that trusting in Jesus and turning to Him to provide and advise is the only thing that truly satisfies our troubled soul. Jesus seeks a people who recognize this spirit called Mammon and are neither overwhelmed nor intimidated by it but they have come to the place where they realize and recognize its sway and have learned to subdue and conquer it in their heart and spirit. Now is the time to recognize this spirit’s power. Will it rule us or will we walk free of its influence in our lives? It is our own choice – found in our daily choices.

Investing as a financial disciple comes with a unique set of principles and values that go beyond just financial gain. One of the most significant aspects of responsible Christian investing is having a clear mission and purpose. This mission serves as a guiding light, ensuring that investments align with your beliefs and values. First and foremost, having a mission when investing as a Christian helps maintain a spiritual, moral and ethical compass. The Bible places a strong emphasis on living a righteous and virtuous life. Investing with a mission allows individuals to avoid investments in companies or industries that go against their beliefs. For instance, Christians may choose to avoid investing in businesses involved in activities such as gambling, pornography, or weapons production, which they view as incompatible with their faith. This deliberate approach to investment ensures that one's money is not being used to support or profit from activities that contradict Christian values. Furthermore, being on a mission in Christian investing encourages stewardship. Christians believe that they are stewards of God's resources, and this includes their financial assets. Investing with a mission prompts individuals to consider the impact of their investments on society, the environment, and the well-being of others. They are more likely to seek out investments that promote social responsibility and sustainable practices, thus contributing positively to the world. A mission-driven approach to investing also helps Christians to avoid the pitfalls of greed and materialism. The Bible warns against the love of money and the pursuit of wealth for its own sake. By having a clear mission that emphasises responsible and ethical investing, Christians can prioritise values such as generosity, charity, and helping those in need. This allows them to strike a balance between financial success and their spiritual well-being. Moreover, investing with a mission provides a sense of purpose and fulfilment. It allows investors to feel that their financial decisions are contributing to a greater good, which can be deeply satisfying. Knowing that your investments align with your faith and values can bring peace and contentment, even during market volatility or economic uncertainty. Our predicament This shows a predicament we, as financial disciples, are facing. Many of us invest through retirement accounts or funds managed by others, so we don't know where our money is being utilised. This raises a question: If we believe that it all belongs to God, should we trust unknown institutions with God’s money and not know how it's being used? If we care about certain values, we might find out that our investments support companies which go against those values, doing harmful things or mistreating people. Realising this can make us rethink our investment choices based on our Christian principles. On a larger scale, this uninvolved investing can put money where it doesn't align with what society really needs. For example, investing heavily in gaming, weapons, or media companies may not reflect our true desires for a healthy society due to concerns about mental health and relationships. As I am writing this, I realise that I have a sizeable investment in a company whose goals and services I later realised that I shouldn’t be supporting as a Christian. I will get out of this position as soon as I can. Investing with a mission Investing as a financial disciple comes with a unique set of principles and values beyond financial gain. One of the most significant aspects of responsible Christian investing is having a clear mission and purpose. This mission is a guiding light, ensuring investments align with your beliefs and values. The mission of money as a financial disciple will reflect the three great commands we have been given. The first is the “Creation Mandate” to work the earth and use its resources to benefit and promote human flourishing. Invest to enable people to sustain and enjoy their God-given life, while caring for the environment. The second is the “Great Command” to love God and our neighbour. Money should be invested to serve God and those in need. Invest to promote human flourishing, fight poverty, promote employment, while practising principles of love, compassion, stewardship, and an eternal perspective. The third command is to “Great Commission” to make disciples in all nations. Invest to help people find and follow Jesus in every area of their lives, making an eternal impact. **Guest blogger Peter J. Briscoe who has written the book “Investing - to Live, Love and Last” by Peter J. Briscoe, explains how we can practically fulfil these aspects of God’s mission for our money. The book gives a Biblical perspective on financial planning and the different investment vehicles. Available on Amazon. Watch a short clip.