DCL 1.4 Instruction | Our Finances: My Finances Today Give Me Options


“In this case, moreover, it is required of stewards that they are found trustworthy.”

1 Corinthians 4:2


What are the two greatest sources of stress in most working people’s lives? According to research done by a respected corporation, they are issues related to time and money. Too often we spend time buying things we really don’t want with money we really don’t have to impress people we really don’t like! In this session we will examine three issues that are discussed more in the New Testament than any other subjects: money, faith and relationships.


Video Presentation: John Hull, President/CEO, EQUIP


The Bible has more to say about money than almost any other subject. There are 500 verses on prayer and more than 2,000 on money and possessions. Jesus talked about money consistently, telling us it revealed where our heart really is. Sixteen out of thirty-eight of His parables deal with money and possessions. Let’s begin our discussion by looking at three statements about our finances. Reflect and respond:

1.  Money will not make you happy.
People earn more money now worldwide than ever before, but statistics reveal we are less happy now than even forty years ago. Most agree with the statement above, but we still don’t act like it.

Discussion: Why are people less happy now? 


2.  Debt will make you unhappy.
King Solomon wrote: “The rich rule over the poor and the borrower becomes the lender’s slave.”

Discussion: How does debt contribute to your grief and unhappiness? 


3.  Having a financial margin gives you options.
The truth is that money is a test and a tool for us. It reveals our hearts, and it can give us choices to do more of what we want, if we possess it.

Discussion: How has money been a test for you? How has it been a tool in your hands?


Biblical Case Study: Job (Job 1, 19:25-27)

Job was a wealthy man. He controlled a vast amount of money and possessions, including 7,000 sheep, 3,000 camels, 500 yoke of oxen, 500 female donkeys and a very large household. Job 1:3 describes him as the greatest man living in the East. He had it all.

However, his life was tested to see what role his wealth played in his happiness. He seemed to lose almost everything, including his livestock, his children, his home, and his land. How did he respond to this loss? Examine Job 1:20: “Then Job arose, tore his robe, shaved his head; and he fell to the ground and worshiped.”

It’s interesting. Job’s response to the loss of nearly all his material wealth was to worship. Somehow, Job knew the only way he could maintain good perspective in that horrible situation was to worship God, declaring His Lordship over his life. He knew that worship welcomed Kingdom power into his circumstances. Job had a very different view of his circumstances than his friends did. He saw what God saw. What enabled him to do so?

1.  He renewed his perspective: He clung to the justice and character of God.

2.  He let go of his past: He was willing to let go of what he had lost.

3.  He remembered his purpose: He realized that he existed only to glorify God.


Making the Decision to Manage Finances Well

More than two hundred years ago, clergyman John Wesley lived by a financial principle that he summarised in three sentences. When he began his ministry he made 30 pounds. He lived on 28 pounds, and gave two to the church. Later, he made 60 pounds. He still lived on 28, and gave 32 to the church. Eventually, he made 120 pounds, and continued to live on 28 pounds. He was consistently giving 92 to the church. What was his little principle?

1.  Earn all you can.

2.  Save all you can.

3.  Give all you can.


Biblical Counsel on Finances:

1.  Put the value of things into perspective.

2.  Recognise your season of life.

3.  Reduce your debt.

4.  Put your financial plan in place and stick to it.

5.  Don’t compare yourself to others.

6.  Be grateful every day for God’s provision.

7.  Give away as much as you can.



Review John Wesley’s philosophy on money: Earn all you can. Save all you can. Give all you can.

  • How do you apply these three principles in your life?
  • Where do you need to improve?


DCL Meditation and Inspiration Media and Notes © Willow Creek Association.
DCL Instruction Media and Notes © EQUIP Million Leaders Mandate Volume 2.