A steward oversees the use and care of someone else’s riches. A wise steward bases financial decisions upon the owner’s rules for using and multiplying material goods. In our case, God has woven financial principles into the fabric of Scripture. Since money touches nearly every aspect of life, it is mentioned 2,300 times in many different contexts. For example, God urged the Israelites to stay faithful to His teachings and to avoid the trap of self-reliance (Deut. 8:18). He reminded them that the power to make wealth resides with Him rather than in their own hands.

The minute a steward presumes that he owns the money he manages, mistakes are made. He stops consulting the Owner and spends as he sees fit. Even in trying to do good, the wayward steward is ruled by his shortsighted perspective rather than God’s omnipotent view and gentle guidance. He will suffer the consequences of violating Scripture’s financial principles.

Faith and finances are permanently intertwined. The bottom line is that we cannot keep our money out of God’s hand, because He holds it all—we simply manage it. And we are to do so in wise and biblical ways. A maturing believer follows the Lord’s principles for using and growing wealth.

1 Chronicles 29:10-14
“David praised the LORD in the presence of the whole assembly, saying,
‘Praise be to you, O LORD,
God of our father Israel,
from everlasting to everlasting.
Yours, O LORD, is the greatness and the power
and the glory and the majesty and the splendor,
for everything in heaven and earth is yours.
Yours, O LORD, is the kingdom;
you are exalted as head over all.
Wealth and honor come from you;
you are the ruler of all things.
In your hands are strength and power
to exalt and give strength to all.
Now, our God, we give you thanks,
and praise your glorious name.
But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.’”

In our passage today, the Lord reveals three ranks of spiritual life:

1. The Natural Man—Everyone who has not accepted Christ as his Savior is in this category. Many in this group are capable of good deeds, but since their sins remain unforgiven, they are separated from the Lord. Because the Holy Spirit does not dwell within them, they cannot understand the things of God.

2. The Spiritual Man—This group is composed of Christians who are filled with the Spirit and surrendered to His control. Though they’re not perfect, they are quick to recognize transgression, confess sin, and genuinely repent by turning back to God. Because the Holy Spirit is ruling in their lives, He is able to guide them by offering wisdom and insight into spiritual things.

3. The Fleshly Man—This designation describes believers who are trying to live in two different worlds. At salvation, all Christians are given a new nature, but the old “flesh” patterns aren’t removed. By allowing residual sinful tendencies to dominate their lives, these people are quenching the Spirit within them.

You are in one of these three categories. Take some time to evaluate your life by asking, “Where am I now? Where would I like to be? The Lord will help those who want to move closer to Him. Ask Him to work in your life to bring you to the place of the spiritual man.

2 Corinthians 2:12-3:3
“We have not received the spirit of the world but the Spirit who is from God, that we may understand what God has freely given us. This is what we speak, not in words taught us by human wisdom but in words taught by the Spirit, expressing spiritual truths in spiritual words. The man without the Spirit does not accept the things that come from the Spirit of God, for they are foolishness to him, and he cannot understand them, because they are spiritually discerned. The spiritual man makes judgments about all things, but he himself is not subject to any man’s judgment: “For who has known the mind of the Lord
that he may instruct him?”

But we have the mind of Christ.

Brothers, I could not address you as spiritual but as worldly—mere infants in Christ. I gave you milk, not solid food, for you were not yet ready for it. Indeed, you are still not ready. You are still worldly. For since there is jealousy and quarreling among you, are you not worldly? Are you not acting like mere men?”

Any financial plan should be covered with prayer. First, ask God for the wisdom to understand His teachings about money and how they apply to your situation. Next, pray for clarity about all details—including how much is earned as well as how much is spent.

One final step is to seek the Lord’s guidance in assessing whether spending habits are in line with His priorities. In evaluating this, it is helpful to divide expenses into categories, including:

1. Giving to the local church, missionaries, and other organizations

2. Basic needs—food, clothing, and housing

3. Insurance, retirement plan, savings

4. Debt, such as second mortgages, loans, and credit cards

5. Personal spending on entertainment and extras—cell phones, Internet, cable TV, eating out, vacations, etc.

Some of us will discover that our finances are not in line with scriptural principles, which may be discouraging. If this is true of you, turn to the Lord, confess what has happened, and pray for the strength to handle your God-given resources His way.

Financial discipline is a learned skill. It requires a commitment to live according to Scripture, persistent effort to change bad habits, concentration to develop new ones, and faith that we can learn to live according to God’s priorities. We’re blessed when we practice prayer-based planning.

Luke 14:28-30
“For which one of you, when he wants to build a tower, does not first sit down and calculate the cost to see if he has enough to complete it? Otherwise, when he has laid a foundation and is not able to finish, all who observe it begin to ridicule him, saying, ‘This man began to build and was not able to finish.’”

1. He focused on the difficulty instead of on the Lord. How often have you and I done the same thing? The unfairness or pain of a situation grabs our attention and in our quest for a solution, we forget our all-powerful God.

2. He relied on his own strength and understanding. When a problem arises, the most natural response is to do what we can to make it right.

3. He acted impulsively rather than waiting on the Lord. If a situation seems urgent, fixing the problem as fast as possible becomes our top priority.

Our way can look so logical at the time, but let’s consider how effective Moses was in achieving his goal. An Egyptian was killed, but the Hebrew people weren’t liberated. Moses was misunderstood by those he tried to help, and his life took an unexpected detour into the desert for 40 long years.

We’ve all followed Moses’ example at some point and suffered the consequences of self-reliance. But God didn’t reject Moses and cancel His plans for him. Instead, He refined the future leader’s character through trials and gave him another chance. Don’t you think the Lord will do the same for us?

Proverbs 3:5-6
“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.”

Sadly, this lack of consistency is evident even among believers. At the first sign of conflict or disagreement, some Christians hop to another church instead of remaining loyal to one local body of believers and working through their difficulties. And in our personal spiritual walks, many of us struggle to maintain a consistent quiet time with the Lord. Exhaustion or the demands of the day cause us to let that time slide as we pursue the things of this world.

Daniel was a man of steadfast loyalty. Even the awareness that he could be killed didn’t interfere with his practice of praying three times a day. Such devotion to the Lord was noted by others. Jealous satraps and commissioners used Daniel’s consistency to trap him, but the king believed it would be the key to his deliverance: “Your God whom you constantly serve will Himself deliver you” (v. 16).

The biblical descriptions of Daniel are impressive: he influenced nations and powerful leaders. But have you considered that the Lord was able to use him greatly because of his unwavering obedience and worship? Just imagine what God can do with you, if you likewise commit yourself to Him.

Daniel didn’t set out with the purpose of making an impression on others, but something about him affected everyone who came in contact with him—from lowly servants to kings of empires. What made this young man stand out was his commitment to his convictions. He believed in the absolute truth of the Scriptures. When he was taken to Babylon, he “made up his mind” not to defile himself with the king’s food because he knew that eating meat offered to idols was forbidden by the Mosaic law.

Daniel’s convictions, not his environment, determined his behavior. Our world offers a multitude of ways to compromise on what we know is right, but if we’ll make up our minds ahead of time, we, too, can stand firm in our obedience to God. Although an unbelieving world may mock our values and lifestyle, their respect for
us actually lessens when we waffle and give in to temptations. What’s worse, our witness for Christ is damaged.

Conviction about God’s truth is like an anchor. When the winds of opinion blow and the waves of temptation pound us, we can know with certainty the right way to respond. Don’t vacillate in your obedience to the Lord. Your unwavering stand for what’s right can powerfully influence others.

But thankfully, the story doesn’t end there. In His love and mercy, God sent His Son to walk among us. Jesus experienced the hardship and temptation common to all people, yet He never sinned. The Savior chose to die a gruesome death in our place, paying the penalty for our wrongs.

There is no deeper love, Scripture tells us, than a man who gives up his life for a friend (John 15:13). Jesus went even farther—dying for us while we were still His enemies (Rom. 5:10). In fact, He would have sacrificed Himself even if you were the only person ever to exist.

Promising forgiveness and eternal life, Christ asks sinful man to believe and follow Him. When we trust in Jesus, we are adopted as God’s children and receive His indwelling Spirit, who blesses abundantly with joy, peace, and guidance. Always welcome before the Throne of Grace, believers have access to converse with the Father at any time. He promises to hear and respond to our seeking, repentant hearts. And Jesus intercedes for us, praying on our behalf.

We don’t deserve the Lord’s invitation to have an intimate relationship with Him. Yet in His grace, He is loving and compassionate toward us. What a privilege to be able to approach the King’s throne, knowing He listens, understands, and cares. Rest in God’s love, and enjoy sweet fellowship with Him.

Hebrews 4:14-16
“Therefore, since we have a great high priest who has gone through the heavens, Jesus the Son of God, let us hold firmly to the faith we profess. For we do not have a high priest who is unable to sympathize with our weaknesses, but we have one who has been tempted in every way, just as we are—yet was without sin. Let us then approach the throne of grace with confidence, so that we may receive mercy and find grace to help us in our time of need.”

To get a plentiful crop of spiritual fruit, our heavenly Father must remove anything that distracts or deters us from serving Him. The process is often painful. I know I’ve cried out, “More, Lord?” when He has taken the “shears” to me. But the result is always satisfying—I am a better, more accurate reflection of Jesus Christ after God cuts away a fleshly habit or worldly attitude.

Being loved by God does not mean we will be coddled—our comfort is not His primary interest. A grower must prune an apple tree to get a bountiful harvest. In the same way, God must sometimes let us feel pain so He can bring forth greater growth and more spiritual fruit.

John 15:1-4
“I am the true vine, and my Father is the gardener. He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes so that it will be even more fruitful. You are already clean because of the word I have spoken to you. Remain in me, and I will remain in you. No branch can bear fruit by itself; it must remain in the vine. Neither can you bear fruit unless you remain in me.”

The realm of Christ’s reign covers everything that happens in heaven and on the earth. No one—not even those who deny His existence—can be free of His rule or outside His sphere of authority. Although Satan tries to convince us that liberty is found in doing what we want, true freedom is acquired only through submission to Christ’s loving lordship.

Even death cannot release anyone from the authority of God’s Son. He is Lord of both the living and the dead. All people must decide to either yield or rebel against Him, but they have the opportunity to make this choice only while they are still living. After death, they will acknowledge Christ’s lordship through accountability to Him. If we have not bowed the knee to Jesus in life, we will be forced to bend it in the judgment.

Have you submitted to Christ’s rule over your life? His authority causes anger or fear in individuals who have not yet yielded to Him, but those who have experienced His lovingkindness, trusted in His goodness, and surrendered to His authority take comfort in knowing Him as the Lord of their lives.

Romans 14:7-12
“For none of us lives to himself alone and none of us dies to himself alone. If we live, we live to the Lord; and if we die, we die to the Lord. So, whether we live or die, we belong to the Lord.
For this very reason, Christ died and returned to life so that he might be the Lord of both the dead and the living. You, then, why do you judge your brother? Or why do you look down on your brother? For we will all stand before God’s judgment seat. It is written:

‘As surely as I live,’ says the Lord,
‘every knee will bow before me;
every tongue will confess to God.’

So then, each of us will give an account of himself to God.”

Although the message is always the same, methods of making it known are many—including the spoken word, music, printed material, and electronic media. But all these avenues of communication require the individual involvement of God’s people. It is every Christian’s responsibility to use his or her spiritual gifts, talents, and abilities to help fulfill the Great Commission.

Some Christians think that this role is given only to pastors, missionaries, or other people with an “up-front ministry.” But all of us have the responsibility to be involved in whatever way we are able and in whatever opportunity God gives us. Not everybody is called to go abroad as a missionary, but we all can give, pray, and tell friends and family what the Lord has done for us.

When you’re truly committed to getting the gospel out, God will reveal what work He is calling you to do. He has a place for every one of us—nobody is insignificant or unusable. The limiting factor is not the Lord’s ability to use us but our availability to His call.

Mark 16:15-20
“He said to them, ‘Go into all the world and preach the good news to all creation. Whoever believes and is baptized will be saved, but whoever does not believe will be condemned. And these signs will accompany those who believe: In my name they will drive out demons; they will speak in new tongues; they will pick up snakes with their hands; and when they drink deadly poison, it will not hurt them at all; they will place their hands on sick people, and they will get well.’ After the Lord Jesus had spoken to them, he was taken up into heaven and he sat at the right hand of God. Then the disciples went out and preached everywhere, and the Lord worked with them and confirmed his word by the signs that accompanied it.”