— “Money is not ownership—it’s stewardship.”
📖 Summary
The Bible never condemns wealth itself but warns against its worship.
A Christian’s approach to money must reflect the belief that God owns it all.
- Earn with integrity.
- Spend with purpose.
- Invest with wisdom.
We are not owners but stewards of divine resources.
1️⃣ Introduction | “Do you possess money, or does money possess you?”
In today’s world, money often replaces faith as the decision-maker.
But Scripture reminds us:
“Money makes a good servant but a terrible master.”
God looks not only at how we make money,
but why and how we use it.
2️⃣ Biblical Foundation | Three Pillars of Christian Finance
📘 Deuteronomy 8:18 (ESV) — God gives the power to gain wealth.
📘 Proverbs 3:9–10 (ESV) — Honor God with your firstfruits.
📘 Luke 16:10–11 (ESV) — Faithfulness in little reveals faithfulness in much.
📘 Matthew 6:24 (ESV) — You cannot serve both God and money.
📘 2 Corinthians 9:7 (ESV) — God loves a cheerful giver.
→ Earning, spending, and giving all reflect spiritual faithfulness.
3️⃣ Theological Insights
📜 John MacArthur — Whose Money Is It Anyway?
“God entrusts money to us not for self-indulgence but for kingdom purpose.”
📜 R.C. Sproul — Biblical Stewardship
“Stewardship is not optional—it’s the Christian’s economic calling.”
📜 John Piper — Desiring God
“Wealth is given not to increase our standard of living but our standard of giving.”
📜 Martin Luther — The Freedom of a Christian
“He who fears God is not ruled by money; he who fears money has no room for God.”
📜 Westminster Shorter Catechism Q.42
“The Eighth Commandment requires honest gain and generous sharing.”
4️⃣ Practical Framework
| Area | Principle | Scripture | Application |
|---|---|---|---|
| Income | Integrity & diligence | Deut 8:18 | No deceit, work faithfully |
| Spending | Worshipful priority | Prov 3:9 | Tithe first, avoid waste |
| Saving | Prudence & restraint | Prov 21:20 | Prepare, but don’t hoard |
| Investment | Responsible stewardship | Luke 16:10 | Avoid greed-driven risk |
| Giving | Joyful generosity | 2 Cor 9:7 | Share freely, bless others |
5️⃣ Practical Principles for Godly Investment
1️⃣ Stewardship over speculation.
2️⃣ Responsibility over risk.
3️⃣ Faith over fear.
4️⃣ Purpose over profit.
5️⃣ Flow over accumulation.
6️⃣ Conclusion
Wealth is not forbidden—it’s a test of worship.
Every financial decision must answer one question:
“Does this glorify God or gratify me?”
“Money doesn’t reveal your worth—it reveals your worship.” — Revito
Faith. Stewardship. Integrity. — Revito
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