Fear & Money


The following post is part of our Treasure Hunting series. Find out more about our Treasure Hunting series here.


This past Sunday we hit on four major money management principles. But we also tagged a fifth money management principle that I wanted to address here on the blog.

Fear is a massively pervasive response to money and money management in our culture. Many of us are crippled by a mentality that sounds something like this: “I don’t know what I’m doing and I don’t know what’s going to happen and I’m scared that I’m going to mess it up.”

Honestly, for much of my life I was paralyzed by fear when it came to money. I had seen family members chase after money but never gain any real happiness.  I had seen other family members get into serious trouble with debt. I didn’t want that! I didn’t want to mess it up. So I did nothing. I didn’t look at it. I didn’t pay attention to it. I didn’t study or try to learn how to grow in managing money.

In other words, I grabbed a shovel and buried my money in the ground.

Because you know, if you can’t see a problem…then it’s not there anymore!  (Warning: the previous statement is chalk full of self-deprecating sarcasm.)

And then slowly, faithfully, and graciously Jesus started changing my heart. And now after a number of years of seeing His faithfulness and His ability to grow me in this area, this is what I’ve come to understand:

Money Management Principle #5: If I fear money, it’s because I don’t understand how much God loves me. (Matthew 25:25, 1 John 4:18, Luke 12:32, Romans 8:15) Fear reveals ways that my heart still doesn’t understand the gospel. God of the universe loves me so much that He sent His son Jesus to die in the cross for me so I could be set free from sin and shame and guilt and condemnation and punishment and judgment and FEAR! And anywhere that I allow my fear to cripple or paralyze me, is a place that I’m not resting in the gospel.

“Fear not, little flock, for it is the Father’s good pleasure to give you the kingdom.”

“For you did not receive the spirit of slavery to fall back into fear, but you have received the Spirit of adoption as sons, by whom we cry, ‘Abba! Father!’”

“There is no fear in love, for perfect love casts out fear. For fear has to do with punishment, and whoever fears has not been perfected in love.”

The good news of the gospel is that in Jesus we don’t need to be crippled by fear.  We can faithfully step out, take a risk, get some help and trust that our Father is pleased to help us grow.  Let Jesus’ perfect love cast fear out of your heart and you will show dividends in your bank account, in your ability to save, and in your freedom to give.


This post was contributed by pastor Jon Ludovina. Jon serves by overseeing our teaching and preaching. Follow Jon on Twitter at @j_luda. Find out more about our leadership on our leadership page.