God’s Word doesn’t just tell us how to manage money—it transforms how we see it.
Too often, we approach finances as a purely practical matter: budgets, investments, and goals. But Scripture invites us into something deeper. It reframes money not as something we own, but something entrusted to us by God. When we begin to see money through that lens, everything changes.
Today, Sharon Epps, President of Kingdom Advisors, joined the show to unpack several powerful, biblical principles that shape faithful stewardship. These aren’t just financial tips—they’re spiritual truths that guide how we live.
1. The Power of Trust
It may be surprising, but the foundation of wise financial stewardship isn’t money—it’s trust.
Proverbs 3:5–6 reminds us: “Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to Him, and He will make your paths straight.”
Before we talk about budgets or strategies, we must understand our role. God is the owner. We are the stewards. That truth brings freedom.
It means your financial future doesn’t ultimately rest on your income, your employer, or the economy—it rests on God as your provider. And when you trust Him, you can seek His direction rather than relying solely on your own plans.
2. The Power of Focus
In a world that celebrates multitasking, Scripture calls us to focus.
Proverbs 4:25 says, “Let your eyes look directly forward, and your gaze be straight before you.” And Proverbs 16:3 adds, “Commit your work to the Lord, and your plans will be established.”
Many people feel financially stuck, not because they lack resources, but because they’re trying to do too much at once—pay off debt, save aggressively, invest, give more, and upgrade their lifestyle.
The result? Frustration and burnout.
Instead, ask a simple question: What is the next step God is calling me to take?
Then focus on that one thing. Progress often comes not from doing everything at once, but from faithfully taking the next step in front of you.
3. The Power of Priorities
Every financial decision reflects a priority.
Because our resources are limited, every dollar spent in one area affects another. That’s why setting priorities is essential.
A helpful framework is the “live, give, owe, grow” model. And notably, the order matters.
Start with giving. Then focus on growing (saving and investing). After that, address debt (owing), and finally, living expenses. One practical starting point is the 10-10-80 principle:
10% to give
10% to save or invest
80% for living and obligationsThis isn’t a rigid rule, but a helpful guide.
Within that 80%, three areas tend to have the greatest impact:
Housing
Transportation
FoodIf more than half of your income is tied up in those three categories, it becomes difficult to maintain balance in your financial life.
That’s why big decisions—like buying a home or choosing a vehicle—carry long-term consequences.
As Proverbs 27:23 says, “Know well the condition of your flocks.” In other words, pay attention to where your money is going—especially in the areas that matter most.
4. The Power of Planning
Good intentions aren’t enough. Faithful stewardship requires a plan.
That means deciding in advance how you will use your money—before the month begins.
Planning your spending helps you move from reacting to intentional living. Whether you use a digital tool or a simple system, the goal is the same: to give every dollar a purpose.
One time-tested approach is the envelope system—assigning categories to your spending and tracking what remains.
