10 Money Principles

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

To help you in your biblical understanding of money and possessions, we've outlined 10 money principles (that are more about your heart than your money). Each principle comes complete with scripture references to study.

  1. Jesus gives status, comfort, and security--money does not. Money is fool's gold that utterly fails to meet those deepest needs. (Ecclesiastes 5:10; Matt. 6:25; Luke 12:15)
  2. Nothing I have is truly mine. Everything belongs to God. Everything I possess has been given to me by God for me to manage. When I use God's resources inappropriately, I am embezzling (1 Chron. 29:11-12, 16; Deut. 8:17-18; Psalm 89:11)
  3. My money reveals what my heart loves. My budget is a fool-proof sign for what I value most in life. (Matt. 6:19-21; Luke 12:33-34)
  4. I can’t take it with me. Neither money nor possessions will matter after death--I am just traveling through earth on my way to heaven. (Matt. 6:19-21; Luke 12:13-21)
  5. My budget starts with being rich towards God. That is my first expense, before I determine what else I will do. (Prov. 3:9-10; Neh. 10:35; Matt. 6:33)
  6. Tithing & generosity are natural responses to grace. Though tithing is not a specific New Testament command (other than a reference by Jesus), God's people after Jesus should be more generous than God's people before Jesus. 10% is the minimum generosity level for a New Testament believer (apart from special circumstances). Midtown members commit to supporting God's mission in our church family through tithing. (Psalm 112:5; Mal. 3:8-10; Matt. 23:23; 1 John 3:17)
  7. If I am unable to be generous without going into debt, I need to rearrange my life and budget. Except for seasons of unusual need, generosity should be incorporated into my normal budget (Prov. 11:24; Prov. 21:26; Luke 6:38; 1 Timothy 6:17-19)
  8. God wants me to enjoy the gifts He gives me. Like a good father, He is pleased when I enjoy His gifts and worship Him as the giver. (Matt. 7:11; Rom 1:21; 1 Tim. 6:17; James 1:17)
  9. It is wise to save for expenses that will come up later. Thinking ahead and saving for purchases is wiser than going into debt for purchases. (Gen. 21:25-27; Prov. 6:6-8; Prov. 13:16; Prov. 21:20; Prov. 22:7; Psalm 37:21)
  10. In Christ I have all the riches I'll ever need. Contentment is what Jesus produces in me--not the desire for more. (Phil. 4:11-13; Heb. 13:5; 1 Tim. 6:9-11; Matt. 6:25-34; 1 Tim. 6:8)

Being Rich Towards God

The following post is a follow-up from this last Sunday's sermon, "The Longest Term Investment." Listen to the sermon


, and find out more about our Treasure Hunting series



In Luke 12:13-21, Jesus doesn’t call the rich man who bought extra storage units built bigger barns wicked. Jesus calls him a fool. And Jesus diagnoses that his problem is that he wasn’t rich towards God.

Being rich towards God is not a moral act we do. It’s a way of being. It’s an attitude and a posture where our hearts see God, consider what He’s doing in the world, and gladly move our money, possessions and energy in His direction. Being rich towards God is being wise with our money so we aren’t constantly in financial chaos. Being rich towards God is guarding ourselves from the traps of selfishness, greed and materialism. Being rich towards God is generosity with our possessions to help others have their needs met. Being rich towards God is leveraging our money, homes and energy toward mission as we help others take next steps toward Jesus.

In all of these aspects, Jesus is our perfect substitute and example.

None of us is clean when it comes to financial sin. I’m not. You’re not. We are a lot like the rich fool in Luke 12. We are excessively rich toward ourselves. We spend on our needs and wants without hesitation; on both basic necessities and on lavish luxuries. We are greedy. We take and accumulate for ourselves with little concern for other’s needs. We consistently fall into the trap that money and possessions can deliver the good life to us, and so we constantly hunger for more. But in the cross, Jesus became our greed. He became our selfishness. He became our materialism and our money idolatry in the cross (2 Cor. 5:21). Jesus paid our financial sin debt so that we could be free from the punishment we deserve for our stinginess.

Jesus succeeded in every way the rich man (and we) failed.

Rather than store up all of His wealth for Himself, Jesus gave it away. Rather than be rich towards Himself, Jesus was incredibly rich toward God. In all of history, He is the single richest-toward-God human being who has ever lived. Jesus never failed to see God or consider what God’s doing in the world. In His every waking moment, Jesus turned His life in the direction of God’s mission. He sacrificed His health, His riches in heaven, His material comfort, His high status, His power and position and He literally gave Himself up for us.

By Jesus’ richness toward God, we are saved. By His richness toward God, we are forgiven. By His richness toward God, we are washed clean. By His richness toward God, we are healed. By His richness toward God, we are set free. By His singular act of generosity in the cross, we are credited with His perfect generosity. By His poverty, we have been made spiritually rich. (2 Cor. 8:9)

And now in Jesus, we can become rich toward God like He is. We can live sacrificial and generous lives like He did. We can grow to become God’s kids who look like He does.

Jesus, help us to be wise and generous as we give more of our riches away. Amen.

Instagram Quote #1 TH
Instagram Quote #1 TH