Table Of Contents

1. Introduction
2. Enrichment
3. Perspective
4. Stewardship – Using Money Faithfully
5. Conclusion

Introduction

This month, we have been hearing the word accountability again and again across every platform in the church. Accountability in Christ matters deeply, because without accountability to God we will never become all that He intends us to be. The Bible reminds us through the story of the prophet Amos that when Israel prospered and became wealthy, they slowly drifted away from God. Their prosperity caused them to forget their responsibility before the Lord. They became consumed with comfort, possessions, and worldly desires, and God raised Amos to warn them and call them back to their senses. We must understand that accountability to God is unavoidable for everyone. While those who reject Christ face a judgment of condemnation, we—those born of the water and Spirit—will stand before the “Bema” seat of Christ to give an account of how we utilized our lives after being saved.

Today’s message focuses on a very practical area of accountability: “Money”. Money touches every part of our lives—our work, our families, and even our spiritual walk. While the world constantly talks about rising costs, economic uncertainty, and financial pressure, the Word of God teaches us how to handle money with wisdom and faithfulness. The goal of this message is not to promote prosperity or poverty, but to understand God’s heart about money and our responsibility as His people. In this sermon, we explore three key truths: Enrichment, Perspective, and Stewardship.

Enrichment

First, we must understand the biblical principle of enrichment. Is it wrong for Christians to possess money? The Bible clearly shows that it is not. God declares that the silver and the gold belong to Him, and He is the One who gives us the power to gain wealth. Everything in this world belongs to God, and the ability to earn money ultimately comes from Him. Therefore, possessing money itself is not sinful. However, confusion often arises because people swing to two extremes. On one side, some preach a prosperity message that claims every Christian must be rich. On the other hand, some think that being poor is more spiritual. Scripture does not support either extreme. In the Bible we see people like Abraham, Isaac, Jacob, and Job who were very wealthy, yet faithful to God. At the same time, many apostles lived with very little yet served God wholeheartedly.

The key truth is this: “Money is a gift from God, but like every gift, it can be misused”. Just as other blessings can be distorted by sinful human nature, money can also be perverted if it is handled wrongly. The Bible gives us practical principles for gaining money in a righteous way. These are ancient truths that remain relevant today:

1. Work
   God designed human beings to work. Scripture teaches that “in all labor there is profit,” and even says that if someone refuses to work, he should not eat (2 Thessalonians 3:10). Work is not merely about earning income; it gives dignity, responsibility, and self-respect. Whether someone works physically with their hands or mentally with their mind, labor is part of God’s design for providing for ourselves and our families.
2. Save
   The Bible also teaches the wisdom of saving. A wise person stores up resources for the future, while a foolish person spends everything immediately. Saving helps us prepare for unexpected needs and prevents us from living recklessly. God often provides more than our immediate needs so that we can manage our finances wisely.
3. Plan
   Another important principle is planning. Just as governments prepare budgets, families should also manage their finances carefully. Planning involves setting priorities and using money responsibly. The most important priority is honoring God first with what belongs to Him. When we put God first, we acknowledge that everything we have comes from Him.

Through work, saving, and planning, God provides practical ways for His people to gain and manage wealth responsibly.

Perspective

The second key point is perspective. Once we possess money, the real question becomes: how do we view it? Money itself is not evil. Scripture never says that money is the root of all evil. Instead, it says that “the love of money” is the root of all kinds of evil (1 Timothy 6:10). When money becomes the object of our devotion, it begins to control our decisions, our priorities, and even our faith. People who chase money endlessly are never satisfied. No matter how much they gain, they continue to want more. This constant pursuit can lead people to compromise their faith, trust in riches instead of God, and even fall into deception or financial traps.

The Bible therefore teaches the importance of contentment. Godliness with contentment is great gain (1 Timothy 6:6). A contented person reflects true godliness because they trust that God will provide what they need. Contentment brings peace, while greed produces anxiety, pressure, and spiritual instability. Believers who are born again of the water and the Spirit know that their ultimate security is not found in their bank accounts but in the living God. Even when circumstances are uncertain, we can trust that the Lord will never leave us nor forsake us.

Stewardship – Using Money Faithfully

The final point is stewardship, which refers to how we use the money God has entrusted to us. The Bible teaches that a steward must be found faithful. Everything we possess ultimately belongs to God, and we are simply managing His resources. True stewardship begins when we first give ourselves to the Lord. When our hearts belong to God, it becomes much easier to surrender our time, talents, and finances to Him. But when our hearts are not fully surrendered, giving becomes difficult and inconsistent.

God does not need our money because He lacks anything. Instead, giving is a way for us to acknowledge His lordship and align our priorities with His kingdom. When believers understand that their lives belong to God and that their salvation comes through the gospel of the water and the Spirit, they learn to live with gratitude and faithfulness in every area—including their finances. Stewardship is therefore not merely about transactions but about our relationship with God. It reflects our trust in Him and our willingness to honor Him with what He has provided.

Conclusion

Money truly matters because it reveals where our hearts are. The message of this sermon reminds us that financial accountability is part of our spiritual accountability before God. The Bible teaches us that it is not wrong to possess money, but we must gain it through honest work, manage it with wisdom, and use it faithfully for God’s purposes. When we develop the right perspective—avoiding the love of money and learning contentment—we protect our hearts from the dangers that wealth can bring.

Ultimately, the call for believers is to live as faithful stewards who recognize that everything belongs to God. Those who are saved through the gospel of the water and the Spirit are no longer living for themselves but for the One who redeemed them. When we give ourselves fully to the Lord, handling money becomes an act of worship rather than a burden. As we live with this understanding, we can walk in faithfulness, trusting that God will provide for us and reward those who serve Him sincerely.