“A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” - Proverbs 28:20

Powerball jackpots and scratch-off tickets might seem like a shortcut to financial freedom, but should Christians be buying in? Dr. David W. Jones returns to our financial ethics series today to help us think biblically about the lottery and whether it aligns with a life of faithful stewardship.

Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.

Quick Wealth vs. Steady Stewardship

Proverbs 13:11 warns, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Hebrews 13:5 exhorts believers to “keep your life free from the love of money and be content with what you have.” These passages highlight the value of work, patience, and contentment—virtues that stand in direct contrast to the quick-fix allure of lottery winnings.

The lottery promises flourishing without labor, but God’s design in Genesis 1 calls us to be co-creators with Him—to work, to produce, and to flourish through effort. Skipping that process isn’t just unwise—it violates God’s design for human flourishing.

Is playing the lottery merely harmless entertainment? We should pay close attention to what our financial decisions reveal: Jesus taught, ‘Where your treasure is, there your heart will be also’ (Matt. 6:21). If someone regularly spends money on lottery tickets, it could point to deeper issues—discontentment, greed, or misplaced hope.

Scripture reminds us in Proverbs 23:7, “As a man thinks in his heart, so is he.” Our actions—including how we spend—are often the most honest indicators of our spiritual condition.

Entertainment or Exploitation?

While scratching a ticket at a birthday party may seem harmless, there’s a big difference between a one-time event and a habitual lifestyle of gambling. And even if the act is permissible, that doesn’t make it wise (1 Cor. 10:23).

We must also consider the industry behind the lottery. It preys upon the poor. Statistics show that the lowest-income Americans buy more than half of all lottery tickets, with some spending up to 6% of their income. In many ways, it functions like a regressive tax, taking from those who can least afford it.

Some believers wonder whether it's ethical to accept scholarships or grants funded by state lotteries. Of course, there’s room for Christian liberty here. Some will choose to opt-out due to conscience. Others will recognize we live in a fallen world and may receive such benefits without directly participating in the system. Either way, we should be aware of what we're engaging with and remain open before the Lord.

A Better Way to Flourish

If you're feeling convicted, confess it to the Lord. ‘If we confess our sins, He is faithful and just to forgive us’ (1 John 1:9). And as with any area of struggle, don’t walk alone. Seek accountability and encouragement through your local church.

Ultimately, the Christian life invites us to a different kind of richness—one rooted not in luck or chance but in trust and obedience. As Ecclesiastes 3:13 says, “Everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”

For more biblical insight on wealth and stewardship, pick up Dr. David W. Jones’s book Every Good Thing: An Introduction to the Material World and the Common Good for Christians, available wherever books are sold.

On Today’s Program, Rob Answers Listener Questions:

• Around this time last year, I had several credit cards with balances ranging from $5,000 to $6,000 each. I stopped paying on the top three and am still making payments on one. I’m not sure what steps to take next.

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. Jones
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• 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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