When the topic of generosity comes up in church, reactions can be mixed. Some tune out, assuming the message is about funding a project or filling a financial gap. But generosity is about much more than meeting needs—it’s about the heart behind the act. Let’s explore not only why we should give but also why we shouldn’t and how to cultivate a heart for biblical generosity.

Why We Shouldn’t Give1. Guilt Shouldn’t Be Your Motivation

Many Christians have been influenced by guilt-driven messages, from legalism to the prosperity gospel. These teachings suggest that not giving enough equates to stealing from God or forfeiting His blessings. However, the Bible paints a different picture.

In 2 Corinthians 9:7, Paul reminds us, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” Faithful giving stems from joy, not guilt or obligation.

It’s also crucial to distinguish between guilt and conviction. Guilt comes from the enemy and leads us away from Christ, while conviction comes from the Holy Spirit, drawing us closer to God. Hebrews 10:22 reassures us that, through Christ’s sacrifice, we are freed from guilt. If guilt drives your giving, pause and prayerfully examine your heart.

2. Giving to Control the Church

Sometimes, people give to influence church decisions, designating funds to specific ministries or withholding support to express disagreement with leadership. This approach can sow division and turn generosity into a transaction.

Giving with strings attached undermines the act of worship and reflects a lack of trust in God’s sovereignty. As stewards of God’s resources, we are called to support His work, even when we don’t agree with every decision.

3. Seeking Self-Righteousness Through Giving

Generosity should not be a means to feel morally superior. In Luke 18:11-12, Jesus shares the Parable of the Pharisee and the Tax Collector. The Pharisee flaunted his giving to showcase his righteousness, while the tax collector humbly sought God’s mercy.

Faithful giving is a response to God’s grace, not a way to earn recognition or status. If pride motivates your generosity, it’s time to reassess your heart.

Principles for Generous Giving

To develop a heart of biblical generosity, consider these principles:

1. Make Giving a Priority

Proverbs 3:9 teaches, “Honor the Lord with your wealth and with the firstfruits of all your produce.” Giving should come first—not as an afterthought or leftover.

2. Embrace Sacrificial Giving

In 2 Samuel 24:24, David declares, “I will not offer burnt offerings to the Lord my God that cost me nothing.” True generosity often requires sacrifice, mirroring Christ’s sacrificial love for us.

3. Give Cheerfully

As Paul emphasizes in 2 Corinthians 9:7, “God loves a cheerful giver.” Joyful giving reflects trust in God’s provision and a desire to participate in His work.

Reflect Before You Give

Before giving, ask yourself:

• Am I giving out of gratitude, joy, and a desire to honor God?
• Or are guilt, control, or pride influencing my decision?

God values the heart behind your generosity far more than the size of your gift. By giving with a spirit of gratitude and humility, you participate in advancing His Kingdom and glorifying Him through your stewardship.

On Today’s Program, Rob Answers Listener Questions:

• I've lived with a roommate for the past three years, and he has not had a job since March. I haven't been able to set any money aside or anything like that, with me covering those, and I wanted to know if you had any advice on what I should do if I should move out or otherwise.
• I have a son who's considering bankruptcy. He has more than just credit card debt, and I'm concerned about what filing bankruptcy will do to his credit and how long it would take him to recover. He's hoping to be able to buy a house soon.
• My friend told me about an IRA manager, and I am about to sign the contract. They charge 1.5%, and I want to know if that is normal. I'm about to sign a check for $8,000, and I just want more information about that. Also, can you tell me about an annuity? I don't know much about it.
• When my grandmother died, in her will, she left your house to me and my aunt pending her husband's death. Well, before her husband died, he ended up giving the property to somebody else, and because of that, my aunt and I were just left out. Is that legal? 
• Can you confirm whether it's true that you must report interest gained to the federal government if you open a high-yielding savings account?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Publication
• Betterment | Schwab Intelligent Portfolios
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)
• FaithFi App

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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