Have you ever felt like giving to your church is more of a burden than a joy?

You're not alone. For many believers, the offering moment stirs up anxiety instead of worship. 2 Corinthians 9:7 says, “Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.”

Those words—not reluctantly and not under compulsion—are key. God doesn't want us giving out of guilt. He invites us to give freely, joyfully, and with a heart aligned to His mission.

But guilt is a powerful motivator. Perhaps you've felt it—when the plate passes or a giving campaign is launched. Thoughts flood in: “I haven’t given enough... I’m letting God down.” 

That’s not generosity born of grace. That’s fear. And it contradicts the gospel.

The Gospel Sets Us Free

Romans 8:1 declares, “There is now no condemnation for those who are in Christ Jesus.”

That includes condemnation over money. Christ’s death covers all guilt—financial or otherwise. If we’re giving to appease guilt, we’re not walking in the freedom Jesus secured.

And let’s be clear: there’s a big difference between guilt and conviction.

• Guilt says, “You’re not good enough.”
• Conviction says, “Let me lead you to something better.”

John 16:8 reminds us that conviction is the Spirit’s loving invitation into deeper trust, not shame.

Giving From Grace, Not Obligation

Here’s a test:

• Guilt says, “I must give, or else.”
• Grace says, “I get to give—because of all I’ve received.”

Hebrews 9:14 says, “How much more, then, will the blood of Christ…cleanse our consciences…so that we may serve the living God!”

When we live under grace, our giving becomes service, not penance. We give because we’re loved, not to earn love.

Ironically, guilt-fueled giving short-circuits the very transformation generosity is meant to bring. When we give cheerfully, we remember that all we have belongs to God. That reframes us as stewards, not owners—a truth that reshapes us from the inside out.

When we give from grace:

• We declare that Jesus is enough.
• We reflect our trust in God’s provision.
• We participate in the beauty of Kingdom work.

What If Guilt Has Been Shaping Your Giving?

1. Bring it to God – Confess it. Ask Him to renew your heart and reshape your motives.
2. Practice gratitude – Reflect on how God has already provided for you. Gratitude fuels joyful generosity.
3. Ask what joyful giving looks like now – Not compared to others, but based on your own journey with Christ.

Because here’s the truth: God isn’t after your money. He’s after your heart. And when He has your heart, generosity will follow—not from guilt, but from grace.

You can explore more on giving from the right motivations in the latest issue of Faithful Steward, our quarterly magazine for FaithFi partners. When you give $35 a month or a one-time gift of $400, you’ll join a community spreading biblical financial wisdom. Partners also receive early access to new devotionals, studies, and Pro access to the FaithFi app.

Learn more or become a partner today at FaithFi.com/partner.

On Today’s Program, Rob Answers Listener Questions:

• I’m in my early 40s with a history of cancer, but I’ve been cancer-free for over 10 years. Still, I’m having a hard time qualifying for life insurance. I do have some coverage through my employer, but it wouldn’t be enough to support my wife and four young kids if something happened to me. Are there insurance providers more open to covering cancer survivors that I should look into?
• I own 10 properties and have been rehabbing them due to damage caused by COVID-19 delays and a flood. My wife is still working, and our personal expenses are much lower than our business costs. I'm trying to figure out when enough is enough. Should I continue fixing up all the properties, or would it be wiser to sell some of them as-is?
• We’re considering taking out a loan of $20,000–$30,000 for home repairs. Our mortgage balance is over $300,000, and my husband is retired. Our lender is only offering a cash-out refinance, but we currently have a great interest rate in the 3% range. What’s the best loan option for our situation?
• We’ve been debt-free for 20 years, but we recently bought a second home for our adult son with special needs. The house requires more work and furnishings than we initially expected, which is putting a strain on our finances. We’ve always tithed faithfully—would it be okay to pause our giving temporarily until we’re more financially stable?

Resources Mentioned:

• Faithful Steward: FaithFi’s New Quarterly Magazine (Become a FaithFi Partner)
• 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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