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. 

Let’s explore them.

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.

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.

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:

This isn’t a rigid rule, but a helpful guide. 

Within that 80%, three areas tend to have the greatest impact:

If 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.

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.

Interestingly, research shows that when we’re more aware of our spending (what experts call “saliency”), we tend to spend less. That’s one reason using cash—or closely tracking your spending—can be so effective.

Without a plan, money tends to drift. With a plan, it begins to align with your values.

Every purchase is an opportunity to seek wisdom.

James 1:5 offers this promise: “If any of you lacks wisdom, let him ask God… and it will be given him.”

Before making a financial decision, consider asking:

In a culture of instant gratification—where purchases can arrive at your door within hours—it’s easy to move too quickly. But wisdom often requires slowing down.

Sometimes, the best financial decision is simply pausing long enough to think and pray.

Money is rarely just about numbers—it’s about relationships.

For couples, one of the most powerful financial habits is intentional communication.

Consider setting aside a regular “money date”—a time each month to review your finances, talk about upcoming expenses, and align on goals.

These conversations build unity. And as Sharon Epps wisely noted, unity is often more important than the decision itself.

When you’re aligned on values and purpose, the decisions become clearer.

At its core, managing money isn’t just a financial exercise—it’s a discipleship journey.

It’s about learning to trust God, align with His priorities, and steward His resources with wisdom and purpose.

When we approach money this way, it stops being a source of stress or striving—and becomes an opportunity to participate in what God is doing. 

And that changes everything.

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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