Debt and Tithing

One of the encouraging signs among believers today is that many are working to get their financial house in order. After years of living beyond their means, and through the encouragement of a number of helpful financial ministries, budgets are being built, debt is being paid down and many are trying to eliminate all debt – including their mortgages.



This has, however, raised a critical question because in their effort to become debt free many believers are choosing not to tithe until they are debt free – saying, “I will give to God when my own financial house is in order!” How does one respond to that trend? Does one have an obligation to tithe if they are in debt and is it “OK” to take a vacation on tithing until that debt is paid off? It is a good and important question.


On this face of it this may seem a reasonable position but if one probes beneath the surface we are quickly faced with some Biblical realities that challenge our rationale.


The truth of the matter is that getting my financial house in order always starts with choosing to put God first, not last with my finances because our first financial priority according to scripture is that of giving God the first of our income. Saying that I will tithe when all my debts are paid is exactly the opposite of what Scripture teaches about making God the beneficiary of the “first” of my income – which is a gift from Him in the first place. In fact, His portion should be the very first thing that goes on our budgets when we start getting our financial house in order rather than the last. It is ironic that our rationale on this issue is exactly the opposite of God’s teaching.


Paying my bills before I honor Him with the “firstfruits” of my wealth is putting my convenience above my obedience. It is elevating my needs and desires above God’s commands. Scripture actually has a name for that – sin: Choosing my way over His way.


In fact, this is nothing more than a rationalization for disobedience. Consider the case of how many white collar criminals get into trouble. They are short on cash and start to “borrow” money from their employer with the conviction that they will one day pay it back when they are able. It sounds reasonable to them but not to their employer and it always comes at a price (getting caught or living with a guilty conscience). Ironically, there is a direct parallel to our own lives when we choose to “put off” our giving until (like the embezzler) we have enough to pay it.


The prophet Malachi in the last book of the Old Testament calls this “stealing from God.” And it is. He challenges the people who were doing the same thing many of us are (putting our interests above God’s) to bring our treasures to His temple. Consider the following conversation between God and His people where He actually tells His people that in withholding their tithe they are robbing Him.


“I the LORD do not change. So you, the descendants of Jacob, are not destroyed. 7 Ever since the time of your ancestors you have turned away from my decrees and have not kept them. Return to me, and I will return to you,” says the LORD Almighty.


“But you ask, ‘How are we to return?’


“Will a mere mortal rob God? Yet you rob me.


“But you ask, ‘How are we robbing you?’


“In tithes and offerings. You are under a curse—your whole nation—because you are robbing me. 0 Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it. 1 I will prevent pests from devouring your crops, and the vines in your fields will not drop their fruit before it is ripe,” says the LORD Almighty. “Then all the nations will call you blessed, for yours will be a delightful land,” says the LORD Almighty (Malachi 3:6-12).


These are strong words and unfortunately words that need to be heard by many of us today who are regularly robbing God by not putting Him first in our financial lives. I don’t know about you but I don’t want to be guilty of robbing God!


Ironically, the text above points out that if we choose to put God first in our finances, He will actually help us meet our other needs. “Test me in this,” says the Lord Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.” Here is the principle. When we withhold from Him he withholds from us. When we put Him in His rightful place, He promises to meet our needs. This is the only place in Scripture where we are invited to "test" God and see if He does not come through!


In the ultimate irony, God says that if we want to get our financial house in order, He will actually help us do that – if – we put Him first in our finances. Many believers are trying to get their financial house in order without God’s help because they are “robbing from Him” in the process. Those who put Him first financially find out that He provides for the very needs they are worried about meeting.


Let’s be intellectually honest on this issue. Choosing not to tithe for any reason, debt or otherwise, is disobedience, selective obedience and contrary to what Scripture clearly tells us is our obligation. Obedience is often not convenient. But following Christ is the journey of bringing our lives into alignment with Him and His teaching whether it is convenient or not. If we truly want God’s blessing on our lives, we choose to follow Him even in the hard things and there are hard things because our sinful nature always want us to put our convenience, our pleasure, our needs and our desires above those of God’s.


One final word. Some believers in their quest to be financially independent have made a God out of being “debt free.” Certainly it is better to have no debt than to have debt. But to pour all our energies and money into becoming debt free at the expense of God and obedience in the matter of our tithe is to focus on the wrong thing. First we choose obedience and in our obedience He will help us meet our needs.

This is really a matter of our hearts and whether we want to please God and make Him first, or please ourselves and make ourselves first. We all have the choice.

Should a senior pastor know what people give in the local church?

OK, I acknowledge that this blog will be controversial to some and runs against "conventional wisdom." The truth is that conventional wisdom is not always wisdom. So I will wade in and at least raise some issues to consider.

As one who has helped many churches raise funds for capital projects and consulted with churches on other issues I have often been privy to giving information. I have also had the privilege of working with very generous individuals in a development capacity. It is against that background that I raise this issue.

If I were a senior pastor today, I would want to know what individuals in the church were giving for these reasons:

So I can thank them
Think about this. We thank people who use their gifts of teaching, leadership, administration, care and those who make sacrificial personal investments in ministry but because of our "taboo" on knowing what people give it is usually not possible to sit down with someone who has been extraordinarily generous and thank them - and tell them how their investments in the ministry are making a difference.

Many generous individuals give large sums of money outside of their local church - which is to be expected. But when they do, someone says "thank you" and "let me tell you how your dollars are making a difference." That is not the motivation to give but it is a real encouragement when someone does give. We do not encourage those who give generously in the church enough - especially when a senior leader does not know who to thank.

So I understand their spiritual commitments
The commitment of being generous to God is a very direct indicator of spiritual commitments and maturity. As a leader I would never want to place someone in a leadership position who was not a regular giver because it tells me something about where their heart is. If you doubt that connection, just pay attention to how much Jesus talks about the heart, money and the connection between the two.

I would not want someone in leadership who did not have a devotional life, who was not committed to personal growth, or who is stingy with God. It is an indicator of immaturity and immaturity does not fly in church leadership.

So I know how much to listen if someone is in serious disagreement with leaders or church direction
Read this section carefully. I am not saying that we pay attention to those who have money more than we pay attention to those who do not. But here is an interesting observation that I make from experience. It is not unusual for someone who is perceived to have money to use that perception to try to influence decisions that are made.

Let me give you an example. A church I was working with was entering into a major expansion project. An individual who was perceived to have means was a vocal opponent and would not let go of his opposition. When we looked to see what his giving record was, he was giving nothing to the church - which would have shocked many.

Now why would a church leader take someone seriously who had no stake in the ministry? In fact, why would a church leader who is responsible for the spiritual health of the flock, not sit down with someone like that and confront him with the fact that he is not living in obedience in a major area of his life and that until he does, he does not have the credibility to speak to the issue?

We would have a conversation if someone's marriage was on the rocks, if they were involved in pornography, or living in conflict with someone - so why would we not have a conversation if they are ignoring this area of Christian obedience? In my experience, and this should not surprise us, it is those who do not have a commitment to giving - often who are in leadership positions in the church who most vocably argue that no one should know what people give. Isn't that telling?

So that I would know if there are spiritual issues that need to be addressed
People who do not give are hiding deeper spiritual issues in their lives. Generosity with God is such a basic and fundamental indication of commitment to Him and maturity in our walk with him that the lack of it - from those who would otherwise claim to be fully devoted followers is an indication of deeper spiritual issues. If I care about people and their spiritual commitments I would be concerned about the lack of obedience in this area of life.

We would lovingly talk to someone who started to ignore church attendance or someone whose marriage seemed to be on the rocks, or someone who seemed to be straying in some other area of life. So why would we not lovingly talk to someone whose spiritual claims are not matched by their personal commitments in the area of giving?

But, Scripture says no one should know what we give
Actually, Scripture does not say that. It says that we should not trumpet what we give for purposes of being praised, just as Jesus criticized the pharisees for praying and fasting in pubic for the purpose of "looking spiritual."

Why are we willing for a pastor to know the intimate details of the troubles we face but not a key area of our spiritual lives?

But, if the pastor knows what someone gives he will treat them differently than others
That could be true, but not in the sense that one might think. If as a pastor I knew someone did not have a commitment to giving to their church I would indeed make a judgment and it would be that there is not a stake in the ministry. At the same time, knowing that someone does have a financial stake in the ministry tells me something about their spiritual maturity and commitment to the church. The issue is not whether they are a wealthy giver or a modest giver, it is the fact that they are living in obedience in this core area and have a commitment to the ministry.

Scripture says that we do not treat people differently because they are wealthy or poor. It does not say that we listen to everyone equally. I listen to those who have a stake in the ministry and a commitment to the ministry as demonstrated by their participation, the use of their gifts, their giving and their time and energy on behalf of the ministry. Those are also the only ones that I would entrust to place in leadership positions - which is consistent with New Testament teaching.

I raise these issues for your consideration. I know that not all will agree and some will strongly disagree. But it is something to think about.

Money matters: four categories of giving

A significant issue in helping those in our congregations grow in their spiritual maturity is to help them understand the part that generosity with God plays into their discipleship. It was Martin Luther who said that true conversion is a conversion of the heart, the mind and the pocketbook. In other words, until God has our wallet, he does not have our full follower ship. This is the reason that Christ talked more about money and possessions than almost any other topic in the New Testament.

As we address this issue in the church it is not first about meeting our budgets or funding our ministries. It is first about helping people follow Christ more closely. Those who do not learn to be generous with God miss out on many of the blessings that he shares with those who are. I have often said to my sons, "most people believe that they cannot afford to tithe. I cannot afford not to tithe."

The truth is that only around 2% of those who call themselves Evangelicals tithe. Studies have shown that there is also an inverse relationship between giving and income. The higher the income the lower the percentage that is given to God's work. One study indicated that 20% of those who made $20,000 or less per year tithed while only 2% of those who made more than $100,000 tithed.

I believe that one can categorize giving habits of believers into four categories - which frankly also pretty directly mirror the maturity of the individual. As you talk about giving in your congregation, it can be helpful to talk about these four categories and encourage people to take the next step in their giving commitments by moving from the category they are in to the next one.

Sporadic giving
This is the individual who periodically puts something in the offering. Generally these are immature believers who are also sporadic in their worship attendance. There is no true commitment to giving here except from time to time.

Regular giving
These folks have moved beyond sporadic to regular giving. This is a significant step forward because it indicates a plan and intentionality in their giving. This often reflects those who are more regular in their attendance.

Percentage giving
This is yet another step toward financial maturity because there is a commitment to give a percentage of one's income. Often the goal here is to get to the place where 10% of one's income is being given to ministry.

Generous giving
This reflects the most mature attitude toward giving. As Christ has been incredibly generous with us, so we choose to be very generous with Him, knowing that there are only three things that cross the line from time to eternity: our own maturity; the people we have influenced for the gospel through our lives and those who have found Christ or grown in Christ because of financial investments we have made. You cannot take it with you, but you can send it ahead of you.

If in your teaching about financial stewardship, you talk about these four categories of giving, you will see heads nod in acknowledgement. You then have an opportunity to regularly encourage people to move from one category to the next - as a part of their followership of Christ.

Two great resources:

Crown Ministries - curriculum for small groups.
Money, Possessions and Eternity, by Randy Alcorn. One of the best books ever written on what the Scriptures have to say about money and possessions - and their relationship with eternity.