In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.
When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”
Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test.
The Temptations of Adversity
Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith.
James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.”
So how do we remain grounded—whether in feast or famine? The answer is wisdom.
Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”
This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction.
Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing.
What Wisdom Brings
Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely:
- Discernment: “Then you will understand what is right and just and fair—every good path” (Proverbs 2:9).
- Guidance: “In all your ways acknowledge Him, and He will make your paths straight” (Proverbs 3:6).
- Blessing: “Blessed is the one who finds wisdom, and the one who gets understanding” (Proverbs 3:13).
- Reputation: “The wise inherit honor, but fools get only shame” (Proverbs 3:35).
- Protection: “Through the fear of the Lord a man avoids evil” (Proverbs 16:6).
Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways.
In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.”
When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy.
Applying Wisdom to Your Finances
Here are three practical ways to walk in financial wisdom:
1. Recognize God’s Ownership
Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give.
Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart.
2. Live by Biblical Principles
Scripture is full of practical wisdom for managing money: avoid debt, p
