https://www.uncommen.org/wp-content/uploads/2026/02/Money-Talk.mp3

Quick Answers

What is Biblical Stewardship? It is the recognition that God owns everything, and we are merely managers of His resources. It shifts the burden of "providing" from your shoulders to His.

Is money the root of all evil? No. Scripture says the love of money is the root of all kinds of evil. Money itself is morally neutral; it is a tool that reveals where your heart truly lies.

Will more money solve my anxiety? Likely not. Anxiety often scales with income. True peace comes from trusting the Provider, not the size of the provision.

How do I start budgeting with my spouse? Separate the "business" of the budget from the "romance" of the relationship. Don't ruin date night with a spreadsheet; schedule a specific time to talk numbers.

Why is tithing important? It isn't about paying the church's light bill; it's a spiritual discipline that breaks the grip of greed and reminds us who the true Owner is.

The Weight of the Wallet

Man, we have all been there. You open the banking app on your phone, and your stomach drops. The number isn't what you thought it was. Suddenly, the transmission on the truck sounds a little clunky, the kids need braces, and you feel that familiar tightening in your chest. The world tells men that their worth is directly tied to their net worth. If you can provide, you are a success. If you are struggling, you are a failure. That pressure is crushing, and it keeps millions of men awake at night, staring at the ceiling, doing mental math that never seems to add up.

But here is the hard truth: the anxiety you feel about money often has very little to do with the actual amount in your account. We assume that if we just hit that "magic number"—the next raise, the paid-off mortgage, the lottery win—the fear will vanish. It won't. The only thing that truly alleviates financial anxiety is a fundamental shift in perspective. We have to move from a mindset of ownership to a mindset of Biblical Stewardship. When you realize you aren't the owner of the resources, but merely the manager, the pressure begins to lift.

Defining the Terms: What is Biblical Stewardship?

In church circles, we hear the word "stewardship" and immediately clutch our wallets because we assume it’s code for "the pastor needs a new roof." But Biblical Stewardship is far more expansive and liberating than just a Sunday offering. Biblical Stewardship is the theological belief that God is the owner of everything—your money, your house, your car, your talent, and even your next breath. Psalm 24:1 is clear: "The earth is the Lord's, and everything in it."

If you are the "owner" of your life, then every financial hit is a personal attack on your security. If the market crashes, you lost. If the water heater breaks, your kingdom is crumbling. That is a heavy burden to carry. However, if you embrace Biblical Stewardship, your role shifts. You are now the asset manager for the Creator of the Universe. Your job isn't to hoard or to worry; your job is to ask, "Lord, how do You want me to manage these resources You have entrusted to me for this season?" The success of the "fund" ultimately rests on His sovereignty, not your striving.

The Great Misquote: Money vs. The Heart

To understand Biblical Stewardship, we have to clear up one of the most common lies men believe. You have probably heard someone say, "Well, money is the root of all evil." That is technically incorrect. The Apostle Paul actually wrote to Timothy that "the love of money is a root of all kinds of evil" (1 Timothy 6:10). There is a massive difference. Money is just paper and metal. It has no moral agency. It can be used to traffic humans, or it can be used to build orphanages. The money isn't evil; the heart handling it is where the danger lies.

When we fail to practice Biblical Stewardship, we start to love the gift more than the Giver. We look to the bank account for the security and peace that only God can provide. That is when money becomes an idol. And like all idols, it will eventually crush its worshippers. True Biblical Stewardship requires us to hold money with an open hand. We respect it as a tool, but we refuse to worship it as a god.

The "Just A Little More" Trap

You might be thinking, "That's all great theology, but I have real bills. If I just had an extra $10,000 a year, I wouldn't be stressed." Don't be so sure. The podcast hosts discussed a phenomenon that every financial advisor has seen: the moving goalpost. You can talk to a man making $40,000 a year, and he is stressed. You can talk to a man making $400,000 a year, and he is also stressed. The lifestyle inflates to match the income. The guy making minimum wage worries about rent; the guy making millions worries about the stock market or losing his empire.

There is a story of a billionaire who was asked, "How much money is enough?" His answer? "Just one more dollar." Without Biblical Stewardship grounding you, "enough" is a horizon you can never reach. You will chase it until you are in the grave. The practice of Biblical Stewardship teaches us contentment. It reminds us that our provision comes from the Lord, not from our hustle. It allows a man to look at what he has—whether it is little or much—and say, "Thank You, Lord. How should we use this?" rather than, "It’s not enough."

Practical Steps to Biblical Stewardship

So, how do we move this from a theological concept to a Tuesday morning reality? Biblical Stewardship is practical. It shows up in how we budget, how we spend, and how we talk to our spouses.

1. The Budget is a Spiritual Tool If you don't know where your money is going, you aren't managing God's resources; you are losing them. Biblical Stewardship requires a plan. It’s not about being a penny-pincher; it’s about being intentional. Sit down and look at the numbers. Be honest. Ignoring the debt won't make it disappear. God can't bless a mess that you refuse to look at. By creating a budget, you are telling your money where to go instead of wondering where it went.

2. Separate Finance from Romance Money is the number one cause of divorce. Why? Because we mix the stress of the bills with the intimacy of the relationship. Here is a pro-tip from the podcast: Don't do the budget on date night. Date night is for connection, dreaming, and enjoying each other. If you bring up the credit card bill over appetizers, the night is over. Schedule a separate "business meeting" for the household. During that meeting, practice Biblical Stewardship together. Pray over the bills. Ask God for wisdom. Then, when date night comes, leave the spreadsheet at home.

3. Build Margin for the Broken World A key component of Biblical Stewardship is preparation. The podcast noted that many men live "vacation to vacation" rather than preparing for the inevitable emergencies. If you spend every dime you make, you are presuming on the future. When the transmission blows or the medical emergency hits, you are forced into debt, which creates more anxiety. Biblical Stewardship involves the wisdom of the ant (Proverbs 6:6)—storing up in the summer so you are ready for the winter. Building an emergency fund isn't hoarding; it’s responsible management that protects your family from the unexpected.

The Tithing Question

You can't talk about Biblical Stewardship without talking about giving. Why does God ask us to give? Does He need our money? No. He owns the cattle on a thousand hills. He doesn't need your check to keep the lights on in heaven. God commands us to give because He knows how easily money can grip our hearts. Giving is the antidote to greed. When you write that tithe check or support that missionary, you are physically declaring, "God, I trust You more than I trust this money."

It is an act of rebellion against the scarcity mindset of the world. Some men get hung up on the "net vs. gross" argument or the specific percentages. They miss the heart of Biblical Stewardship. The goal isn't to check a legalistic box; the goal is to develop a generous spirit that mimics the generosity of God. As the podcast mentioned, we shouldn't just think about "paying the church's electric bill." We are investing in the Kingdom.

From Anxiety to Trust

The transition to Biblical Stewardship is rarely instant. It is a journey. You will have months where you fail. You will have moments where the fear grips you again. But the more you practice this mindset, the more you will find a strange, settled peace. You will realize that your identity isn't in your bank balance. You will stop looking at your neighbor's new truck with envy because you know you are running a different race. You will find joy in being a conduit of blessing rather than just a reservoir of cash.

God wants you to be free. He doesn't want you enslaved to debt or paralyzed by the fear of the future. He invites you into the partnership of Biblical Stewardship so that you can experience the joy of trusting Him. When the bills stack up, take a deep breath. Remind yourself: "I am a manager, not the owner. God, show me what to do with what I have."

A Challenge for the Steward

This week, take one step toward Biblical Stewardship. Maybe it’s finally opening that scary envelope from the bank. Maybe it’s setting up a time to talk to your wife about the budget without fighting. Maybe it’s giving something away just to prove to yourself that money doesn't own you. The world says, "Get all you can, can all you get, and sit on the can." But you aren't called to be like the world.

If you are going to be something, be uncommen.

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