Every day, we’re faced with financial decisions—some small, some life-shaping. We decide how to spend, save, give, borrow, invest, and provide for our families. But behind each of those choices lies a deeper question: where do we go to find wisdom?

Many assume the Bible is a spiritual book meant only for spiritual matters, not for the realities of modern financial life. After all, Scripture was written thousands of years ago. There were no index funds, tax-advantaged accounts, or credit cards in ancient Israel. So how could it possibly speak to retirement planning, debt, generosity, or contentment today?

Yet what Scripture offers isn’t a financial playbook—it’s something better: timeless wisdom rooted in the character of God.

Timeless Wisdom, Not Financial Formulas

Biblical wisdom isn’t about giving us modern strategies or formulas. It’s about helping us understand who God is, who we are, and what we were made for. Until we know the Author, we won’t trust His instruction. And without trusting His instruction, we won’t build our lives—financially or otherwise—on His Word.

The primary purpose of Scripture isn’t merely to tell us what to do. It’s to reveal who we belong to. It introduces us to the God who provides, who owns all things, who defines true success, and who calls us to steward not just money, but all of life.

Once that foundation is laid, Scripture certainly does speak to how we live. The apostle Paul writes:

“All Scripture is breathed out by God and profitable… that the man of God may be complete, equipped for every good work” (2 Timothy 3:16–17).

Financial decisions are included in those “good works.” The Bible isn’t irrelevant to a modern economy—it’s indispensable.

Biblical Principles for Modern Money Decisions

The questions people wrestle with today aren’t new. Scripture addresses the very issues many of us face:

• Diversification: “Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land” (Ecclesiastes 11:2).
• Debt and co-signing: “Be not one of those who give pledges” (Proverbs 22:26).
• Living below your means: “Precious treasure and oil are in a wise man’s dwelling, but a foolish man devours it” (Proverbs 21:20).
• Planning ahead: “The prudent sees danger and hides himself” (Proverbs 27:12).
• Generosity: “You will be enriched in every way to be generous in every way” (2 Corinthians 9:11).
• Seeking wisdom: “If any of you lacks wisdom, let him ask God” (James 1:5).

These aren’t technical instructions about financial products. They are heart-level principles that guide every generation, in every economy.

Financial Wisdom Is Relational

Biblical wisdom is not merely practical—it’s relational. Scripture doesn’t just tell us what to do; it shows us why God is trustworthy.

It reveals a Father who “owns the cattle on a thousand hills” (Psalm 50:10), who feeds the birds of the air (Matthew 6:26), who gives good gifts to His children (James 1:17), and who never abandons those who walk by faith (Hebrews 13:5).

Much of our financial anxiety isn’t ultimately about money—it’s about trust. And trust doesn’t come from spreadsheets or strategies. It comes from knowing the God who inspired Scripture.

When we know Him, financial obedience becomes freedom rather than drudgery. Living below our means becomes contentment. Avoiding debt becomes a matter of wisdom rather than fear. Giving becomes a joyful response to grace. Planning becomes stewardship instead of self-reliance.

Ancient Words, Timely Guidance

Scripture is ancient, but it is not outdated. Technology changes. Markets change. Financial products change. But the human heart does not.

Because the heart hasn’t changed, God’s Word still speaks. It equips us for every season of life, every financial decision, and every act of stewardship.

The Bible never treats money as evil, but it refuses to let it become a savior. It presents money as a tool—good when stewarded wisely, dangerous when worshiped, and temporary, no matter how well invested.

That’s why the goal of biblical financial wisdom isn’t accumulation—it’s transformation.

Becoming Faithful Stewards

Ultimately, Scripture doesn’t just shape what we do with money; it shapes who we become. It forms us into people who trust God, steward His resources, and live with eternal purpose.

That’s the heart behind Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship. The devotional walks through how Scripture reshapes our view of money by helping us see God as Owner, Provider, and our ultimate treasure—so finances fall into their proper place.

If you’d like to take that journey, you can get your copy—or order in bulk for your church or small group—at FaithFi.com/Shop.

On Today’s Program, Rob Answers Listener Questions:

• I want to buy savings bonds for my grandson’s first birthday, but my bank and credit union don’t handle them. Where do I go and how do I do it?
• My son bought a Jeep he can’t afford, and he's struggling to make payments and provide for his kids. He has a head injury from military service and is waiting on full VA disability benefits. What can we do to help him financially?
• I bought silver about 10 years ago, and it has increased significantly in value. Where is the silver market headed, and where would I go to sell it for the best price?
• I’m deep in credit card debt after allowing my children to use my credit card. Should I take out a loan to pay it off, or consider debt consolidation?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• SavingForCollege.com | TreasuryDirect.gov
• Christian Credit Counselors
• Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship
• 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)
• 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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