“Whoever increases wealth by taking interest or profit from the poor amasses it for another, who will be kind to the poor.” – Proverbs 28:8 (NIV)

In a recent post, I explained why I’m skeptical of cryptocurrencies — even though I am optimistic about the potential for blockchain technology and its offshoots to create genuine value. This time, I’d like to provide a brief overview of the Bible’s teaching about money.

My pastor likes to explain that Jesus spoke more about money than he did about Heaven and Hell combined. If God came down in the flesh and told you how to regard money properly, you’d listen, right? Well He did. So in the spirit of news you can use, here are ten scriptural principles to help you view money the way God does:

• Money follows faithfulness – In the gospel of Matthew, Jesus wraps up the Sermon on the Mount by reminding his followers that God is a good Father who knows how to take care of His creation. He instructs us not to live and die by what we own, what we eat, or what we wear, instead He tells us to seek God’s kingdom and righteousness. Then, He says, all the things we need will follow (Matthew 6:33).
• Put God first – The Old Testament prophet Malachi chastised the people of God for keeping the finest of their produce for themselves while bringing God their leftovers. The principle and practice of the tithe — giving the first tenth of one’s increase to God — has always been an acid test of one’s faith and devotion. Malachi delivered God’s challenge to his people to test Him by bringing the full tenth and see whether He would, in return, bless them beyond their faithfulness. This challenge remains for us as well. Jesus commended the tithe in the New Testament, even as He corrected the Pharisees for their hard hearts.
• God is God — money is… not – Jesus taught that only God was worthy of our worship. Although we can use money in powerful ways, it has no power of its own. People can and do get confused about this, though. Jesus taught that a man can’t serve two masters, because He’ll end up loving one and hating the other. If money is the rival master, the one who loves it can end up hating God (Luke 16:13).
• It’s not wrong to be smart about money – Jesus told the parable of shrewd manager — a story about a soon-to-be-fired employee who offered to settle his friends’ debts at a discount. In doing this, he delivered a benefit to his soon-to-be-former boss, but he also earned the favor of his friends, and the admiration of Jesus. Look what Jesus said about this man’s  actions:
  The master commended the dishonest manager because he had acted shrewdly. For the people of this world are more shrewd in dealing with their own kind than are the people of the light. I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings.” Luke 16:8-9 (NIV)
  
• Money is morally neutral – Money is neither good nor bad in itself. It’s simply a tool — an efficient means of exchange that one can use to accomplish good or evil ends. Ah, but what about that “money is the root of all evil” thing? Isn’t that in the Bible? No, it isn’t. What the Apostle Paul wrote is this: “For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” – 1 Timothy 6:10 (NIV)
• Invest in the Kingdom of God – When he teaches on stewardship and giving, my pastor likes to quote the old saying, “You can’t take it with you.” But he adds, “You can send it ahead.” Jesus said we shouldn’t be as concerned about amassing a fortune here on earth. Instead He instructed us to “lay up treasures in Heaven.” He wouldn’t tell us to if were impossible.
  Here’s a thought on how that works: The Bible teaches that faith, hope, and love are the things that endure beyond the grave. Each of these has a relational element since each one must have an object. If so, it follows that we can use our worldly wealth to share faith, hope, and love with those who need them so desperately. In the passage from Luke above, Jesus essentially told His followers to use the resources of this world to take the maximum number of friends to Heaven with us.
• You’re meant to be generous, you know — I often quote King Solomon here. In Proverbs 16:19, the wise king says this: “Whoever is kind to the poor lends to the Lord, and he will reward them for what they have done.” Elsewhere, in chapter 3, he says, “Do not say to your neighbor, ‘Go, and come again, tomorrow I will give it’—when you have it with you.” And in 2 Corinthians 9, the Apostle Paul wrote, “The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” – 2 Corinthians 9:6-7 (ESV)
• Debt is OK only if you’re into being a slave — I realize some financial advisers will talk to you about what they call “good debt.” I’m here to tell you there is only debt and you should avoid it. Consider that Americans owe $830 Billion in credit card debt, and nearly $1.5 Trillion in student loan debt, and then consider that nobody can force you to take out a loan. But once you agree to their terms, your creditors can force you to pay — and at rates that can cripple you. When someone else is telling you what you must do with your own money, you aren’t free. Quoting King Solomon again: “The rich rule over the poor, and the borrower is slave to the lender.” Proverbs 22:7 (NIV). I’ve been there and done that, and I plan to live within my means from now on. If you’re among the millions who owe billions and trillions, check out Dave Ramsey. He’s helped lots of people change their habits and become debt-free.
  
• Prosperity and poverty aren’t measures of your status before God – Righteous people fall on hard times. Wicked people sometimes prosper. You’ll drive yourself mad trying to ferret out what you must have done wrong every time the stock market goes down. That’s a little like saying God is displeased when the tide goes out or the moon wanes. Jesus said, “For (God) makes his sun rise on the evil and on the good, and sends rain on the just and on the unjust.” – Matthew 5:45b (ESV) And we haven’t discussed the Old Testament stories of Joseph and Job, or all the hardships the Apostle Paul endured for the sake of the Gospel of Jesus. Try imprisoned, beaten, stoned, shipwrecked, slandered, and snake-bit as a sample — and then tell me he lacked faith or faithfulness to unleash God’s fountain of prosperity.
• It all belongs to God – God, as creator of the cosmos, is its sovereign ruler. As Dutch theologian and statesman Abraham Kuyper said, “There is not a square inch in the whole domain of our human existence over which Christ, who is Sovereign over all, does not cry, Mine!” That includes your wallet, dude — and mine. If I have money, assets, talents, or connections, I am to hold them as a steward, and use them profitably to honor and glorify God.

I like what the Methodists used to teach about money: earn all you can, save all you can, give all you can. That’s your takeaway from my post. A last thought from Luke 16. Jesus says,

“Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much. ¹¹ So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? ¹² And if you have not been trustworthy with someone else’s property, who will give you property of your own?” Luke 16: 10-11 (NIV).

So how about you? In what ways do you need to adjust your thinking about money? How can you use the resources you have to expand God’s kingdom? Add your comments below.