“Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’ You shall remember the Lord your God, for it is he who gives you power to get wealth.” — Deuteronomy 8:17–18
How much money is enough? It’s a question that quietly shapes many of our financial decisions, yet few people ever stop to answer it.
On today’s episode of Faith and Finance, we were joined by Cody Hobelmann, a Certified Financial Planner® (CFP), Certified Kingdom Advisor® (CKA), and co-founder of Finish Line Pledge, to explore a practical and deeply biblical framework for answering that question.
Why Prosperity Can Be a Greater Test Than Hardship
In Deuteronomy 8, Moses addressed the people of Israel as they stood on the edge of the Promised Land after 40 years in the wilderness. They had endured hunger, uncertainty, and hardship. But Moses warned them that their greater challenge would come after entering abundance.
Would they remember the Lord as their provider, or would they begin to believe their wealth came from their own strength?
That warning remains relevant today. In one of the most prosperous cultures in history, it is easy to drift into self-reliance, entitlement, or endless accumulation. Prosperity can subtly shift our trust away from God unless we intentionally resist it.
Five Ways People Typically Approach Giving
Cody explained that when people ask, “How much should I give?” or “How much should I keep?” they often fall into one of five common approaches:
1. Spontaneous Giving. Giving in the moment, with little prior planning.
2. Giving Goals. Choosing a target dollar amount to give during the year.
3. Percentage Giving. Giving a fixed percentage of income.
4. Incremental Percentage Giving. Increasing the percentage you give over time as income grows.
5. Financial Finish Line. Rather than beginning with how much to give, this approach starts by deciding how much to keep for personal lifestyle spending—and then directing the rest toward Kingdom purposes.
That final model flips the normal mindset upside down. Instead of expanding lifestyle every time income rises, it sets boundaries around consumption and creates margin for generosity.
What Is a Financial Finish Line?
A financial finish line is a predetermined cap on how much you will spend on your own lifestyle. Once your needs and responsibilities are covered, any additional resources can be used to bless others, support ministry, and advance God’s work.
Cody suggested thinking about finances in four broad categories:
Personal Spending – Current lifestyle expenses such as housing, transportation, food, and clothing
Taxes – Required obligations
Planning for the Future – Saving for upcoming needs, purchases, or retirement
Kingdom Building – Giving and other outward-focused uses of money that serve othersThe key focus is often personal spending because lifestyle choices tend to determine whether increased income becomes a tool for generosity or simply fuels more consumption.
Three Practical Ways to Set Your First Finish Line
There is no universal number for everyone, but Cody shared three common ways people can begin.
1. Maintenance Spending Finish Line
This means locking in your current standard of living.
If your present lifestyle spending is healthy and appropriate, you choose not to automatically increase it as your income grows. This can g