Mine or Yours?
“Always Right, Always Relevant, Never Changes”
Matthew 7:24-27
	
“Don’t make the second mistake.” 

Bottom line: To hold ourselves accountable to God’s view of money in our lives.

Convictions
God owns it all, and I am the steward.
Financial contentment and confidence come from biblical principles.
	
Matthew 7:24-27

Where money causes some of the deepest anguish, God provides His greatest wisdom through biblical financial principles. 

Five Biblical Principles 
1. Contentment is determined by our financial management (our stewardship).

“A slack hand causes poverty, but the hand of the diligent makes rich.” –Proverbs 10:4

“Everyone also to whom God has given wealth and possessions and power to enjoy them, and to accept his lot and rejoice in his toil—this is the gift of God.” –Ecclesiastes 5:19 

Spend less than you earn. Financial contentment depends on it.
 
26% of Americans spend more than they earn. (FINRA, 2024)
38% spend less than they earn. (FINRA, 2024)
69% have experienced anxiety or loss of sleep due to finances. (Northwestern Mutual 2025)

“Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” –Proverbs 13:11

Five Biblical Principles 
2. We were created to contribute, not just to consume.

“… remembering the words the Lord Jesus himself said: It is more blessed to give than to receive.” –Acts 20:35

Give generously; it breaks the power of money.

“Whoever brings blessing will be enriched, and one who waters will himself be watered.” –Proverbs 11:25

The desire to be generous will always be crushed by unwise stewardship.

 “…For where your treasure is, there your heart will be also.” –Matthew 6:21

“The best of the firstfruits of your ground you shall bring into the house of the LORD your God.” –Exodus 23:19

Five Biblical Principles 
3. Debt gives us a lifestyle that we often can’t afford.

“The rich rules over the poor, and the borrower is the slave of the lender.” –Proverbs 22:7

Avoid debt. It mortgages your future.

Two kinds of debt:
• Credit-card or consumer debt – never makes sense 
• Mortgage, auto, investment, or student debt – may make sense 

“Be not one of those who give pledges, who put up security for debts. If you have nothing with which to pay, why should your bed be taken from under you?” –Proverbs 22:26-27

Debt’s greatest cost is denying God an opportunity to provide.

“Instead you ought to say, “If the Lord wills, we will live and do this or that.” –James 4:15

Five Biblical Principles 
4. The less we spend, the more we can save for the unexpected 

Create a financial margin. The unexpected will happen.

“Go to the ant, O sluggard; consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” –Proverbs 6:6-8

Typical priorities 
Lifestyle spending
Pay debts 
Pay taxes 
Save 
Give 

Biblical priorities 
Give 
Save 
Pay your debts 
Pay your taxes
Lifestyle spending

Five Biblical Principles 
5. A follower of Jesus doesn’t just live for today. They live in light of the future.

Set long-term goals. They override the short-term ones.

“For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.” –Ephesians 2:10

If God prepares us for things ahead of time, setting goals puts us in a position to accomplish them. 

“God, I acknowledge that You own it all, and I commit to act as a steward and to seek Your wisdom with all Your resources.” 

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Some of the thoughts and ideas in this series are borrowed from Ron Blue, author of God Owns It All: Finding Contentment and Confidence in your Finances.