Biblical Financial Principles

Biblical Financial Principles

Basic Presuppositions
The Bible is inspired 2 Timothy 3:16-17

2 Timothy 3:16-17 “All Scripture is given by inspiration of God, and is profitable for doctrine, for reproof, for correction, for instruction in righteousness, that the man of God may be complete, thoroughly equipped for every good work. ”

The Bible is inspired 2 Timothy 3:16-17 It is useful for how to live right It is the only guide for our lives Man’s needs are universal Eccl. 1:8-9

Ecclesiastes 1:8-9 “All things are full of labor;
Man cannot express it. The eye is not satisfied with seeing, Nor the ear filled with hearing. “That which has been is what will be, That which is done is what will be done, And there is nothing new under the sun.”

2 Timothy 3:16-17 The Bible is inspired It is the only guide for our lives Man’s needs are universal Eccl. 1:8-9 The Bible’s principles are universal The Bible is relevant for all 2 Peter 1:3

2 Peter 1:2-3 “Grace and peace be multiplied to you in the knowledge of God and of Jesus our Lord, as His divine power has given to us all things that pertain to life and godliness, through the knowledge of Him who called us by glory and virtue,”

2 Timothy 3:16-17 The Bible is inspired It is the only guide for our lives Man’s needs are universal Eccl. 1:8-9 The Bible’s principles are universal The Bible is relevant for all 2 Peter 1:3 The Bible is a success manual for life

Money What is money? Merely the means of exchange for goods and services Attitude toward money resembles attitude toward life in general, time, etc. Disciplined vs. Undisciplined Short-term vs. Long-term Selfish vs. Unselfish

Acquiring Financial Power
Work

Working 2 Thessalonians 3:10

2 Thessalonians 3:10 “For even when we were with you, we commanded you this: If anyone will not work, neither shall he eat.”

Working 2 Thessalonians 3:10 Genesis 2:15 God’s original plan

Genesis 2:15 “The LORD God took the man and put him in the Garden of Eden to work it and take care of it.” (from New International Version)

Working 2 Thessalonians 3:10 Genesis 2:15 God’s original plan
Eph. 4:28

Ephesians 4:28 “Let him who stole steal no longer, but rather let him labor, working with his hands what is good, that he may have something to give him who has need.”

Eph. 4:28 Proverbs 10:1-5

Proverbs 10:1-5 1 The proverbs of Solomon:
A wise son makes a glad father, But a foolish son is the grief of his mother. 2 Treasures of wickedness profit nothing, But righteousness delivers from death. 3 The LORD will not allow the righteous soul to famish, But He casts away the desire of the wicked. 4 He who has a slack hand becomes poor, But the hand of the diligent makes rich. 5 He who gathers in summer is a wise son; He who sleeps in harvest is a son who causes shame.

Eph. 4:28 Proverbs 10:1-5 Proverbs 21:25-26

Proverbs 21:25-26 “The desire of the lazy man kills him,
For his hands refuse to labor. He covets greedily all day long, But the righteous gives and does not spare.”

Ephesians 4:28 Proverbs 10:1-5 Proverbs 21:25-26 Proverbs 22:29 strive for excellence

Proverbs 22:29 “Do you see a man who excels in his work?
He will stand before kings; He will not stand before unknown men.”

Ephesians 4:28 Proverbs 10:1-5 Proverbs 21:25-26 Proverbs 22:29 strive for excellence Proverbs 12:14 work with mouth as well hands

Proverbs 12:14 “From the fruit of his lips a man is filled with good things as surely as the work of his hands rewards him.” (from New International Version)

Work Maintain Integrity

Integrity Proverbs 10:2, 16

Proverbs 10:2 “Ill-gotten treasures are of no value, but righteousness delivers from death.” (from New International Version) Proverbs 10:16 “The labor of the righteous leads to life, the wages of the wicked to sin.”

Integrity Proverbs 10:2, 16 Proverbs 13:25

Proverbs 13:25 “The righteous eats to the satisfying of his soul,
But the stomach of the wicked shall be in want.”

Integrity Proverbs 10:2, 16 Proverbs 13:25 Proverbs 16:8

Proverbs 16:8 “Better is a little with righteousness,
Than vast revenues without justice.”

Integrity Proverbs 10:2, 16 Proverbs 13:25 Proverbs 16:8
Proverbs 28:19-22 attitudes

Proverbs 28:19-22 “He who tills his land will have plenty of bread,
But he who follows frivolity will have poverty enough! “A faithful man will abound with blessings, But he who hastens to be rich will not go unpunished. “To show partiality is not good, Because for a piece of bread a man will transgress. “A man with an evil eye hastens after riches, And does not consider that poverty will come upon him.”

Work Maintain Integrity Seek Independence

Seek Independence Proverbs 12:9, 24

Proverbs 12:9 “Better to be a nobody and yet have a servant than pretend to be somebody and have no food.” (from New International Version) Proverbs 12:24 “The hand of the diligent will rule, But the lazy man will be put to forced labor.”

Seek Independence Proverbs 12:9, 24
1 Thessalonians 4:12 show love for brothers by not being dependent on them

1 Thessalonians 4:9-12 “But concerning brotherly love you have no need that I should write to you, for you yourselves are taught by God to love one another; and indeed you do so toward all the brethren who are in all Macedonia. But we urge you, brethren, that you increase more and more; that you also aspire to lead a quiet life, to mind your own business, and to work with your own hands, as we commanded you, that you may walk properly toward those who are outside, and that you may lack nothing.”

Seek Independence Proverbs 12:9, 24
1 Thessalonians 4:12 show love for brothers by not being dependent on them 1 Timothy 5:8 fulfill individual family responsibility

1 Timothy 5:8 “But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse than an unbeliever.”

Work Maintain Integrity Seek Independence Be Content

Contentment Proverbs 23:4-5

Proverbs 23:4-5 “Do not overwork to be rich;
Because of your own understanding, cease! Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly away like an eagle toward heaven.”

Contentment Proverbs 23:4-5
Proverbs 23:17 Do not covet the possessions of others Exodus 20:17

Proverbs 23:17 Exodus 20:17 “Do not let your heart envy sinners,
But be zealous for the fear of the LORD all the day;” Exodus 20:17 “Thou shalt not covet.”

Proverbs 23:17 Do not covet the possessions of others Exodus 20:17 1 Timothy 6:6-10 avoid “get-rich-quick” schemes

1 Timothy 6:6-10 “Now godliness with contentment is great gain. For we brought nothing into this world, and it is certain we can carry nothing out. And having food and clothing, with these we shall be content. But those who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition. For the love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows.”

Proverbs 23:17 Do not covet the possessions of others Exodus 20:17 1 Timothy 6:6-10 avoid “get-rich-quick” schemes Proverbs 21:5 be patient

Proverbs 21:5 “The plans of the diligent lead surely to plenty,
But those of everyone who is hasty, surely to poverty.”

Proverbs 23:17 Do not covet the possessions of others Exodus 20:17 1 Timothy 6:6-10 avoid “get-rich-quick” schemes Proverbs 21:5 be patient Proverbs 12:11

Proverbs 12:11 “He who works his land will have abundant food,
but he who chases fantasies lacks judgment.” (from New International Version)

Proverbs 23:17 Do not covet the possessions of others Exodus 20:17 1 Timothy 6:6-10 avoid “get-rich-quick” schemes Proverbs 21:5 be patient Proverbs 12:11 Ecclesiastes 6:9

Ecclesiastes 6:9 “Better is the sight of the eyes than the wandering of desire. “This also is vanity and grasping for the wind.”

Work Maintain Integrity Seek Independence Be Content Do Not Borrow

Do Not Borrow Proverbs 22:26-27 Avoid making financial commitments

Proverbs 22:26-27 “Do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.” (from New International Version)

Do Not Borrow Proverbs 22:26-27 Avoid making financial commitments
Romans 13:8

Romans 13:8 “Owe no one anything except to love one another, for he who loves another has fulfilled the law.”

Romans 13:8 Not an absolute prohibition Emphasis on attitude and expression

Romans 13:8 Not an absolute prohibition Emphasis on attitude and expression Proverbs 22:7 a warning

Proverbs 22:7 “The rich rules over the poor,
And the borrower is servant to the lender.”

Romans 13:8 Not an absolute prohibition Emphasis on attitude and expression Proverbs 22:7 a warning If you do make a financial commitment, keep it at all cost! Psalm 15:4

Psalm 15 LORD, who may abide in Your tabernacle?
Who may dwell in Your holy hill? He who walks uprightly, And works righteousness, And speaks the truth in his heart; He who does not backbite with his tongue, Nor does evil to his neighbor, Nor does he take up a reproach against his friend; In whose eyes a vile person is despised, But he honors those who fear the LORD; He who swears to his own hurt and does not change; He who does not put out his money at usury, Nor does he take a bribe against the innocent. He who does these things shall never be moved.

Exercising Financial Power
Save

Interest Two kinds of people in the world:
Those who understand and lend; Those who don’t understand and borrow Deuteronomy 28:9-14, 15,44 Deuteronomy 23:19-20

Deuteronomy 23:19-20 "You shall not charge interest to your brother -- interest on money or food or anything that is lent out at interest. 20 To a foreigner you may charge interest, but to your brother you shall not charge interest, that the LORD your God may bless you in all to which you set your hand in the land which you are entering to possess.”

Those who understand and lend; Those who don’t understand and borrow Deuteronomy 28:9-14, 15,44 Deuteronomy 23:19-20 Psalm 15:5 do not abuse your power

Psalm 15:1,5 “LORD, who may abide in Your tabernacle?
Who may dwell in Your holy hill? “He who does not put out his money at usury,”

Those who understand and lend; Those who don’t understand and borrow Deuteronomy 28:9-14, 15,44 Deuteronomy 23:19-20 Psalm 15:5 do not abuse your power Proverbs 28:8

Proverbs 28:8 “One who increases his possessions by usury and extortion gathers it for him who will pity the poor.”

Saving Proverbs 21:20

Proverbs 21:20 “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.” (from New International Version)

Saving Proverbs 21:20 Proverbs 13:11, 22

Proverbs 13:11 Proverbs 13:22 “Dishonest money dwindles away,
but he who gathers money little by little makes it grow.” (from New International Version) Proverbs 13:22 “A good man leaves an inheritance to his children's children, But the wealth of the sinner is stored up for the righteous.”

Saving Proverbs 21:20 Proverbs 13:11, 22 Proverbs 6:6-8

Proverbs 6:6-8 “Go to the ant, you sluggard!
Consider her ways and be wise, Which, having no captain, Overseer or ruler, Provides her supplies in the summer, And gathers her food in the harvest.”

Saving Proverbs 21:20 Proverbs 13:11, 22 Proverbs 6:6-8
Proverbs 20:21 easy come, easy go

Proverbs 20:21 “An inheritance gained hastily at the beginning will not be blessed at the end.” Which leads to our next point…

Save Do Not Waste

Do Not Waste Proverbs 23:20-21

Proverbs 23:20-21 “Do not mix with winebibbers,
Or with gluttonous eaters of meat; For the drunkard and the glutton will come to poverty, And drowsiness will clothe a man with rags.”

Do Not Waste Proverbs 23:20-21 Proverbs 21:17

Proverbs 21:17 “He who loves pleasure will be a poor man;
“He who loves wine and oil will not be rich.” Never borrow to buy these kinds of things

Do Not Waste Proverbs 23:20-21 Proverbs 21:17 Proverbs 21:20

Proverbs 21:20 “There is desirable treasure,
And oil in the dwelling of the wise, But a foolish man squanders it.”

Do Not Waste Proverbs 23:20-21 Proverbs 21:17 Proverbs 21:20
Save but do not hoard Prov. 11:24-26

Proverbs 11:24-26 “There is one who scatters, yet increases more;
And there is one who withholds more than is right, But it leads to poverty. The generous soul will be made rich, And he who waters will also be watered himself. The people will curse him who withholds grain, But blessing will be on the head of him who sells it.”

Save Do Not Waste Share with the Needy

Sharing All we have is from God James 1:17

James 1:17-18 “Every good gift and every perfect gift is from above, and comes down from the Father of lights, with whom there is no variation or shadow of turning.”

Sharing All we have is from God James 1:17
Use and enjoy Ecclesiastes 3:24-26

Ecclesiastes 2:24-26 “Nothing is better for a man than that he should eat and drink, and that his soul should enjoy good in his labor. This also, I saw, was from the hand of God. For who can eat, or who can have enjoyment, more than I? For God gives wisdom and knowledge and joy to a man who is good in His sight; but to the sinner He gives the work of gathering and collecting, that he may give to him who is good before God. This also is vanity and grasping for the wind.”

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude 1 Timothy 6:17-18

1 Timothy 6:17-19 “Command those who are rich in this present age not to be haughty, nor to trust in uncertain riches but in the living God, who gives us richly all things to enjoy. Let them do good, that they be rich in good works, ready to give, willing to share, storing up for themselves a good foundation for the time to come, that they may lay hold on eternal life.”

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude 1 Timothy 6:17-18 If you think poor and act poor…

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude 1 Timothy 6:17-18 If you think poor and act poor… You will be poor

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude 1 Timothy 6:17-18 If you think poor and act poor… You will be poor Help the needy Luke 16:9-14

Luke 16:9-15 “’And I say to you, make friends for yourselves by unrighteous mammon, that when you fail, they may receive you into an everlasting home. He who is faithful in what is least is faithful also in much; and he who is unjust in what is least is unjust also in much. Therefore if you have not been faithful in the unrighteous mammon, who will commit to your trust the true riches? And if you have not been faithful in what is another man's, who will give you what is your own? No servant can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon.’ Now the Pharisees, who were lovers of money, also heard all these things, and they derided Him.”

Use and enjoy Ecclesiastes 3:24-26 Have a gratitude attitude 1 Timothy 6:17-18 If you think poor and act poor… You will be poor Help the needy Luke 16:9-14 Proverbs 19:17

Proverbs 19:17 “He who has pity on the poor lends to the LORD,
And He will pay back what he has given.”

Save Do Not Waste Share with the Needy Give Back to God

Giving Jacob Genesis 28:22

Genesis 28:20-22 “Then Jacob made a vow, saying, ‘If God will be with me, and keep me in this way that I am going, and give me bread to eat and clothing to put on, so that I come back to my father's house in peace, then the LORD shall be my God. And this stone which I have set as a pillar shall be God's house, and of all that You give me I will surely give a tenth to You.’"

Giving Jacob Genesis 28:22 Israel Leviticus 27:30-32

Leviticus 27:30-33 “And all the tithe of the land, whether of the seed of the land or of the fruit of the tree, is the LORD's. It is holy to the LORD. If a man wants at all to redeem any of his tithes, he shall add one-fifth to it. And concerning the tithe of the herd or the flock, of whatever passes under the rod, the tenth one shall be holy to the LORD.”

Giving Jacob Genesis 28:22 Israel Leviticus 27:30-32
Malachi 3:8-12 tithing would be blessed

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20

Genesis 14:18-20 “Then Melchizedek king of Salem brought out bread and wine; he was the priest of God Most High. And he blessed him and said: ‘Blessed be Abram of God Most High, Possessor of heaven and earth; And blessed be God Most High, Who has delivered your enemies into your hand.’ And he gave him a tithe of all.”

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20 Type of Christian to Christ Hebrews 7:1-17

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20 Type of Christian to Christ Hebrews 7:1-17 1 Corinthians 16:1-2

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20 Type of Christian to Christ Hebrews 7:1-17 1 Corinthians 16:1-2 give as prospered

1 Corinthians 16:1-2 “Now, concerning what you wrote about the money to be raised to help God's people in Judea. You must do what I told the churches in Galatia to do. Every Sunday each of you must put aside some money, in proportion to what he has earned, and save it up, so that there will be no need to collect money when I come.” (TEV)

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20 Type of Christian to Christ Hebrews 7:1-17 1 Corinthians 16:1-2 give as prospered 2 Corinthians 9:8 give as purposed

2 Corinthians 9:7 “So let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver.”

Malachi 3:8-12 tithing would be blessed Abraham gave to Melchizedek Gen. 14:18-20 Type of Christian to Christ Hebrews 7:1-17 1 Corinthians 16:1-2 give as prospered 2 Corinthians 9:8 give as purposed Requires planning, budgeting, discipline

Save Do Not Waste Share with the Needy Give Back to God Invest

Investing Matthew 25:14-30

Investing Matthew 25:14-30 Gain by buying and trading

Investing Matthew 25:14-30 Gain by buying and trading
Requires planning Proverbs 21:5

Proverbs 21:5 “The plans of the diligent lead surely to plenty,
“But those of everyone who is hasty, surely to poverty.”

Requires planning Proverbs 21:5 Proverbs 11:24-26 money must move

Proverbs 11:24-26 “There is one who scatters, yet increases more;
And there is one who withholds more than is right, But it leads to poverty. The generous soul will be made rich, And he who waters will also be watered himself. The people will curse him who withholds grain, But blessing will be on the head of him who sells it.”

Requires planning Proverbs 21:5 Proverbs 11:24-26 money must move Care for production capacity, then the produce Proverbs 27:23-27

Proverbs 27:23-27 “Be diligent to know the state of your flocks,
And attend to your herds; “For riches are not forever, Nor does a crown endure to all generations. “When the hay is removed, and the tender grass shows itself, And the herbs of the mountains are gathered in, “The lambs will provide your clothing, And the goats the price of a field; “You shall have enough goats' milk for your food, For the food of your household, And the nourishment of your maidservants.”

Requires planning Proverbs 21:5 Proverbs 11:24-26 money must move Care for production capacity, then the produce Proverbs 27:23-27 An act of faith Jeremiah 32:7-14

Requires planning Proverbs 21:5 Proverbs 11:24-26 money must move Care for production capacity, then the produce Proverbs 27:23-27 An act of faith Jeremiah 32:7-14 Ecclesiastes 11:1-4

Ecclesiastes 11:1-4 “Cast your bread upon the waters,
For you will find it after many days. “Give a serving to seven, and also to eight, For you do not know what evil will be on the earth. “If the clouds are full of rain, They empty themselves upon the earth; And if a tree falls to the south or the north, In the place where the tree falls, there it shall lie. “He who observes the wind will not sow, And he who regards the clouds will not reap.”

Requires planning Proverbs 21:5 Proverbs 11:24-26 money must move Care for production capacity, then the produce Proverbs 27:23-27 An act of faith Jeremiah 32:7-14 Ecclesiastes 11:1-4 Proverbs 31:16-18 not just for men

Proverbs 31:16-18 “She considers a field and buys it;
From her profits she plants a vineyard. “She girds herself with strength, And strengthens her arms. “She perceives that her merchandise is good, And her lamp does not go out by night.”

Spiritual Investing Matthew 6:19-24 What is the center of your life?
What is the source of your happiness? What is the security in your life? Jesus gives peace and victory over worry Matthew 6:25-34 Luke 14:25-33 count the cost PAY IT!

Investment in Heaven Matt. 6:19-24 Hear the gospel Romans 10:17

Romans 10:17 “So then faith comes by hearing and hearing by the word of God.”

Investment in Heaven Matt. 6:19-24 Hear the gospel Romans 10:17
Believe the gospel Romans 10:9-10

Romans 10:9-10 “If you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.”

Believe the gospel Romans 10:9-10 Repent of sins Acts 2:38

Acts 2:38 "Repent, and let every one of you be baptized in the name of Jesus Christ for the remission of sins; and you shall receive the gift of the Holy Spirit.”

Believe the gospel Romans 10:9-10 Repent of sins Acts 2:38 Confess your faith Romans 10:9-10

Romans 10:9-10 “If you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation.”

Believe the gospel Romans 10:9-10 Repent of sins Acts 2:38 Confess your faith Romans 10:9-10 Be baptized for remission of your sins Acts 2:38, Rom. 6:3 Walk in newness of life Rom. 6:3-4

Acts 2:38 "Repent, and let every one of you be baptized in the name of Jesus Christ for the remission of sins; and you shall receive the gift of the Holy Spirit.”

Romans 6:3-4 “Do you not know that as many of us as were baptized into Christ Jesus were baptized into His death? Therefore we were buried with Him through baptism into death, that just as Christ was raised from the dead by the glory of the Father, even so we also should walk in newness of life.”

Believe the gospel Romans 10:9-10 Repent of sins Acts 2:38 Confess your faith Romans 10:9-10 Be baptized for remission of your sins Acts 2:38, Rom. 6:3 Walk in newness of life Rom. 6:3-4

Biblical Financial Principles

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