1. Remember that God owns everything.
Psalm 50:10-12 10 For every beast of the forest is mine, the cattle on a thousand hills. … 12 … the world and its fullness are mine. God owns the world and everything in it. If God owns you and all of your stuff, it radically changes how you view what you “own.” The things you have are on loan from God. You’re a steward, not an owner. This leads to humility and should lead you to generosity, when you know that you should invest money as God himself would invest it.
2. Be content with what you have.
Hebrews 13:5 Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.” At the end of the day, your security comes from Christ, not from what you own. How do you know where your security lies? When things get tight, do you panic, or can you rest in Christ, knowing he’s with you at all times—he never leaves, never forsakes you.
3. Beware the seductive power of debt.
Proverbs 22:7 The rich rules over the poor, and the borrower is the slave of the lender. While there’s such a thing as “good debt” in our economy, our culture is out-of-control when it comes to debt, and this affects every one of us. The power of more can grow to the point where you find that what you own ends up owning you. When it comes time to buy a house, a car, or clothes, remember that that beautiful object might own you in the end.
4. Be patient and disciplined.
Proverbs 13:11 Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. There’s a strategy of investing called “dollar cost averaging”: rather than trying to play the market you should invest in regular, predictable amounts over time to discipline your investing, rather than reacting to the market. The Bible teaches the wisdom of patience and discipline. Hold off on impulse buys. Make a plan, then follow the plan. Sometimes you’ll lose or have unexpected expenses, but as you discipline yourself to live within your means, you’ll find that God blesses you.
5. Leverage your life and resources wisely for the kingdom of God.
Matthew 25:14-30 For to everyone who has will more be given, and he will have an abundance. But from the one who has not, even what he has will be taken away. Jesus uses economic language in his parable of the talents to show how foolish it is not to take risks for the sake of the kingdom of God. The wisest financial investment you ever make is money leveraged for the sake of the gospel. In another parable, Jesus compares his kingdom to a hidden treasure (Matthew 13:14): The kingdom of heaven is like treasure hidden in a field, which a man found and covered up. Then in his joy he goes and sells all that he has and buys that field. If you gain the world but lose your soul, what gain is that? Use your resources in a way that shows the radical nature of self-denial and gospel sacrifice, and you’ll find that in the end your investment is more than worth it.