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What to Do When You’re Worried about Money

40 Days of Love

Daily Hope Devotional: 365 Days of Purpose, Peace, and Promise

Building a Better Life

Look more closely at that verse. It doesn’t say, “God might meet your needs.” It says, “God will.”

It also doesn’t say “some of your needs.” It says “all.”

Does that mean a place to live? Yes.

Braces for your child? Yes.

Transportation to work? Yes.

But notice: It doesn’t say, “God will meet all your greeds.” There’s a big difference between needs and wants. Just like a good parent doesn’t give a child everything they ask for, your heavenly Father doesn’t give you everything you want—because he knows what’s best. But he does give you all you need.

And this promise isn’t based on your bank account. It’s based on “the riches of his glory in Christ Jesus.” He never runs out of resources.

So why do some believers still struggle financially? Has God failed? Not at all.

With every promise, there is a premise. It’s like God says, “I’ll do my part; you do your part.” The Bible gives us clear financial principles, and in this article, we’ll look at five specific conditions for financial stability.

1. Ask for God’s help.

“Ask and it will be given you; seek and you will find; knock and the door will opened to you” (Matthew 7:7 GNT).

Before you swipe the card or sign the check, pray. Give God the first opportunity to provide. Most of us depend more on our credit cards than on Christ.

Jesus said, “Until now you have not asked for anything in my name. Ask and you will receive, and your joy will be complete” (John 16:24 NIV).

God wants you to ask so he can give. Why? Because when you receive, your joy overflows—and joyful leaders are a great witness to a watching world.

2. Learn to be content.

“But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:6–7 NIV).

Discontentment is a thief. Many pastors live with “when” thinking—When the church grows . . . when I get a raise . . . when the bills are paid . . . then I’ll be happy. But when you get there, you’ll just want more.

Contentment means your joy isn’t based on your circumstances. When you learn to be content, you free yourself from the endless chase for more.

3. Practice giving in faith.

“Honor the LORD with your wealth and the firstfruits from all your crops. Then your barns will be full” (Proverbs 3:9–10 NCV).

This is the principle of tithing—giving God the first portion of your income. Not what’s left over. It’s an act of worship that says, God, I trust you.

It may not seem logical to give when you have a need, but that’s exactly when giving builds faith. Just like a farmer plants seed to reap a harvest, your giving is a spiritual investment that God multiplies.

4. Maintain your integrity.

“The Lord demands fairness in every business deal” (Proverbs 16:11 TLB).

God doesn’t bless dishonesty. You can’t cut corners or cheat people and expect God to provide. The Bible is clear: “The blessing of the LORD makes a person rich, and he adds no sorrow with it” (Proverbs 10:22 NLT).

If you’ve been dishonest, repent and make it right. God blesses those who walk in integrity—and that includes your finances.

5. Trust him with your life.

“Your heavenly Father already knows all your needs. Seek the Kingdom of God above all else . . . and he will give you everything you need” (Matthew 6:32–33 NLT).

Worry is a form of practical atheism. It’s living like God doesn’t care. But Scripture reminds us:“He gives food to those who trust him; he never forgets his promises” (Psalm 111:5 TLB).

If God solved your biggest problem—eternity—by sending Jesus to die for you, don’t you think he can handle your electric bill?

Final Challenge

God has staked his reputation on this promise: “God will meet all your needs.” But every promise has a premise.

So ask yourself these questions.

Will you pray before you pay?
Will you choose contentment over comparison?
Will you give in faith, even when it’s hard?
Will you lead with honesty and integrity?
Will you trust Jesus with every financial worry?

If you do, you’ll discover what it means to live free from financial fear—and experience the richness of God’s faithful provision.

Recent Articles

What to Do When You’re Worried about Money

If you’ve ever wondered how you’ll pay your bills, you’re not alone. Financial stress is one of the most common burdens church leaders carry—and it’s one that can steal your joy and distract you from your calling. But God has made a powerful promise to you in Philippians 4:19:“God will meet all your needs according to the riches of his glory in Christ Jesus” (Philippians 4:19 NIV).Look more closely at that verse. It doesn’t say, “God might meet your needs.” It says, “God will.”It also doesn’t say “some of your needs.” It says “all.”Does that mean a place to live? Yes.Braces for your child? Yes.Transportation to work? Yes.But notice: It doesn’t say, “God will meet all your greeds.” There’s a big difference between needs and wants. Just like a good parent doesn’t give a child everything they ask for, your heavenly Father doesn’t give you everything you want—because he knows what’s best. But he does give you all you need.And this promise isn’t based on your bank account. It’s based on “the riches of his glory in Christ Jesus.” He never runs out of resources.So why do some believers still struggle financially? Has God failed? Not at all.With every promise, there is a premise. It’s like God says, “I’ll do my part; you do your part.” The Bible gives us clear financial principles, and in this article, we’ll look at five specific conditions for financial stability.1. Ask for God’s help.“Ask and it will be given you; seek and you will find; knock and the door will opened to you” (Matthew 7:7 GNT).Before you swipe the card or sign the check, pray. Give God the first opportunity to provide. Most of us depend more on our credit cards than on Christ.Jesus said, “Until now you have not asked for anything in my name. Ask and you will receive, and your joy will be complete” (John 16:24 NIV).God wants you to ask so he can give. Why? Because when you receive, your joy overflows—and joyful leaders are a great witness to a watching world.2. Learn to be content.“But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:6–7 NIV).Discontentment is a thief. Many pastors live with “when” thinking—When the church grows . . . when I get a raise . . . when the bills are paid . . . then I’ll be happy. But when you get there, you’ll just want more.Contentment means your joy isn’t based on your circumstances. When you learn to be content, you free yourself from the endless chase for more.3. Practice giving in faith.“Honor the LORD with your wealth and the firstfruits from all your crops. Then your barns will be full” (Proverbs 3:9–10 NCV).This is the principle of tithing—giving God the first portion of your income. Not what’s left over. It’s an act of worship that says, God, I trust you.It may not seem logical to give when you have a need, but that’s exactly when giving builds faith. Just like a farmer plants seed to reap a harvest, your giving is a spiritual investment that God multiplies.4. Maintain your integrity.“The Lord demands fairness in every business deal” (Proverbs 16:11 TLB).God doesn’t bless dishonesty. You can’t cut corners or cheat people and expect God to provide. The Bible is clear: “The blessing of the LORD makes a person rich, and he adds no sorrow with it” (Proverbs 10:22 NLT).If you’ve been dishonest, repent and make it right. God blesses those who walk in integrity—and that includes your finances.5. Trust him with your life.“Your heavenly Father already knows all your needs. Seek the Kingdom of God above all else . . . and he will give you everything you need” (Matthew 6:32–33 NLT).Worry is a form of practical atheism. It’s living like God doesn’t care. But Scripture reminds us:“He gives food to those who trust him; he never forgets his promises” (Psalm 111:5 TLB).If God solved your biggest problem—eternity—by sending Jesus to die for you, don’t you think he can handle your electric bill?Final ChallengeGod has staked his reputation on this promise: “God will meet all your needs.” But every promise has a premise.So ask yourself these questions.Will you pray before you pay?Will you choose contentment over comparison?Will you give in faith, even when it’s hard?Will you lead with honesty and integrity?Will you trust Jesus with every financial worry?If you do, you’ll discover what it means to live free from financial fear—and experience the richness of God’s faithful provision.

Your Life Is Father-Filtered

“There is wonderful joy ahead, even though you must endure many trials for a little while. . . . When your faith remains strong through many trials, it will bring you much praise and glory and honor on the day when Jesus Christ is revealed to the whole world.”1 Peter 1:6–7 (NLT)Pastor, the challenges you’re walking through right now are not random. They’re not meaningless. And they’re not unnoticed by God.The long nights, the unanswered texts, the critics who question your heart, the weariness that lingers after Sunday—none of it is wasted.God is not only aware of your circumstances, but he’s also weaving them into something meaningful. He’s shaping your heart, your ministry, and your message through both the celebrations and the sufferings.Nothing touches your life—or your ministry—without first passing through your heavenly Father’s loving hands. Everything is Father-filtered.Let’s be clear: God doesn’t cause all things. Sin, suffering, and the brokenness of this world often wreak havoc on the people you serve, and on your own life, too. But while God doesn’t cause everything, he never wastes anything.As a pastor, you carry wounds no one sees. You bear burdens that sometimes feel like they outweigh the joy. But God is the master of redemption. He takes the hardest parts of ministry and uses them to refine you and build his Kingdom.He let Paul be imprisoned so a jailer could be saved. He let Jesus suffer so the world could be redeemed. He can take what feels like a crucifixion in your ministry—and bring about resurrection.The trials you want removed may be the very ones God is using to form you into the shepherd he’s calling you to be.The Bible promises: “There is wonderful joy ahead, even though you must endure many trials for a little while. . . . When your faith remains strong through many trials, it will bring you much praise and glory and honor on the day when Jesus Christ is revealed to the whole world” (1 Peter 1:6–7 NLT).God is at work—even in your weariness, even in your pain. And the fruit of your faithful endurance will far outweigh the struggles you face today.

You Know How the Story Ends

“So we do not look at what we can see right now, the troubles all around us, but we look forward to the joys in heaven which we have not yet seen. The troubles will soon be over, but the joys to come will last forever.”2 Corinthians 4:18 (TLB)Ministry can feel like you're carrying the weight of everyone else's sorrow on top of your own. You stand with grieving families. You comfort the hurting. You preach with passion, even when your heart feels dry. And after a long Sunday, you might wonder if any of it is making a difference.But, pastor, you know how the story ends.That changes everything.Your tension goes down when you know the end of the story. When you don’t have to wonder if things will turn out badly, it affects your perspective and your attitude. This is why believers in Christ grieve differently from the rest of the world.When believers lose family or friends who are also believers, they grieve because they miss the person who is gone, but they also know they are in a far better place—in heaven, with God, forever. In a sense, we grieve for ourselves because we have to find a way forward without our loved one. But we grieve with hope because we know the end of the story: One day, we will join them in heaven and be with God forever. You can have hope, even when there is loss. How? You’ve got to get a bigger perspective and a longer view. You’ve got to refocus your attention. You’ve got to stop thinking about just the here-and-now and start living as if there is much more to your story. This life is not all there is! If you just look at today and what’s happening right now, you’re going to be hopeless. But if you can see what’s happening to you in light of eternity, you’ll realize that this life is preparation for the next. God is getting you ready for eternal life. Remember: You know how the story ends. The “end” is really the beginning—of an eternity with Christ in heaven!The Living Bible paraphrase says it like this: “So we do not look at what we can see right now, the troubles all around us, but we look forward to the joys in heaven which we have not yet seen. The troubles will soon be over, but the joys to come will last forever” (2 Corinthians 4:18 TLB).

The Best Preaching Habit You Haven’t Started Yet

Pastor, don’t go through a single day without collecting something for a future sermon.Seriously. If you’ll start developing this habit, you’ll save hours in preparation—and your sermons will be richer, deeper, and more effective.I’ve been a collector for decades. Not as a hobby, but as a preaching strategy. Whether I’m reading Scripture, a newspaper, a blog, or even a comment card, I’m always looking for something that might be helpful later.Here’s how you can build your own habit of collecting.1. Start with Scripture.Even if I’m preaching from a single verse or passage, I want to know everything God says on that subject. That’s why I begin every message by collecting related verses. It helps me frame each message in light of the whole counsel of God’s Word.You can build this habit by memorizing Scripture. When you internalize God’s Word, the Holy Spirit will often bring just the right verse to mind when you’re preparing a sermon—or even when you’re not.Before I ever preached The Purpose Driven Life series, I had studied and filed over a thousand verses. That preparation gave the series its depth. It took time—but it was worth it.2. Use the right tools.When I started out, collecting verses meant spreading concordances across my desk. Today, I use Bible software. If you’re not using digital tools, you’re missing a huge timesaver.Use them to search for keywords, to gather cross-references, and to group related passages. It will save you hours—and sharpen your biblical insight.3. Collect more than verses.Don't stop at Scripture. I collect:QuotesArticlesBook titlesComment cardsMagazine coversNews storiesAnything that moves meI clip. I screenshot. I save digital files. I print Amazon book pages if a title looks useful. If something grabs my attention, I save it.You’ll be amazed at how much this adds to your preaching—not just as illustrations, but as ways to help people connect biblical truth with real life.4. Create a bucket file system.You don’t need a fancy system. I use simple letter-sized plastic buckets from the store. When I find something worth saving, I label it with a possible topic and drop it in.You don’t have to be organized. You just have to collect.You can also build a digital version of your bucket file on your computer. Save articles, images, or quotes by topic, and use your search function to find what you need later.5. Ask others to help.You don’t have to do all the collecting yourself. I’ve had a volunteer research team for years. I let them know what topics I’m preparing for, and they look for articles, quotes, and illustrations that might be helpful.I keep two simple rules:Don’t expect a response.Don’t expect your material back (make a copy if you need it).6. Build for the long haul.One of the most effective sermon series I’ve ever preached was on Psalm 23. Over six weeks, 446 people gave their lives to Christ.What made the series so fruitful? I’d been collecting insights, books, and ideas on Psalm 23 for over 20 years.When it came time to preach, I wasn’t starting from scratch—I was drawing from a deep well.7. Don’t miss a day.Don’t let a single day go by without collecting something. It will make a lifetime of difference in your preaching.This habit won’t just improve your sermons. It will energize your study, fuel your creativity, and deepen your walk with God.

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