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Teaching on Money Without Being Weird: 5 Churches Doing It Right
00:34:21
Early in our marriage, rent ate half our income. At the end of one of our first months living together, we had $35 total left for a week’s worth of groceries. Christine was stressed. (Totally understandable.) I started building a compelling,
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Teaching on money without being weird. Five churches that are doing it right. Hey, friends. Rich Burch, unseminary solo episode today. We're diving in and giving you some practical examples of churches that are doing a great job teaching about generosity and finance in their churches without being strange and going weird on it. This is one of those areas that makes people nervous, and I don't want you to do that with your people. So we're going to give you those examples. But can I be honest about my own journey with this? Early on in our marriage, Christine and I, we were really not doing well. We were professional. Financially, we were not doing well. You know, we were professional Christians, worked at a church, all that sort of thing. And, you know, we came to the end of the month, we had $35 left, which was not a lot of money, even back in the 1900s for a whole week's worth of groceries. And I remember I was like justifying, what are we going to do? What are we going to do? You know, I was thinking about, well, maybe we shouldn't give this month. We could take that money. And my wife used just five words. She said, of course we're going to tithe. And I loved her clarity then and has shaped, really, it changed the trajectory. And even in my own life and from those early days, we have not been able to outgive God. You know, since then, tithing has been a critical part of our spiritual journey. And now, you know, have been able to for years give even more than tithing. And I want that for the people in your church. And so this really does matter. It matters huge to your people in your church. You know, a couple weeks ago, I remember I was talking on this talk with church leader, and they were like, oh, we don't talk about money stuff. We don't want to kind of offend people. Well, there's old over 2,300 verses in the Bible about this. And if you're skipping this, you're clearly skipping a large part of the counsel of God. Why on earth would you do that? Listen, Jesus talked about money a lot, depending on how you count them. Sixteen of the 38 parables, we're talking about money or possession, although the exact ratio might be debated. It's a big deal for him. So it's not just broadly a big deal for scripture. It is specifically a big deal for Jesus. He comes back to this time and time again. And you know what? The culture around us, it is categorizing our people. It is categorizing our people. About money already. In fact, there's A stat from 2024 that, sorry, 2025 Q2, 2025 that US household debt is closing in on $19 trillion. Credit cards and auto balances just keep inching up your congregation. The people in your church are already being discipled by someone around money. It's Visa, it's Amex. The question are, are you going to step in and make a difference with your people around what the Bible says and how they and how the Bible wants them to live? Listen, teaching does influence behavior. Barna A study from them talks about the virtuous cycle that when churches help people with their finances and help them get their money right and get generosity right, that reinforces those messages and then you have great stories to then turn on to other people. But listen, way too many churches go quiet, go silent on this. About a quarter of all churches in study talked about the fact that they do not talk about it at all. Listen, if you are not talking about money, Amazon, Amex and Apple are happy to talk about it. If you won't preach or disciple your people about dollars, prime points and payments will. I feel like the rich young ruler was sent for you and me. We are living in an age of rich young rulers and we've got to coach our people around this. There's a real reality check for us. Only 21% of people sitting in your church say that they give 10 more to the church. And if you've looked at donor data, you know that that's a high number. There's no way that 20% of your church is currently tithing. Clear, confident teaching in this area matters. So here's the deal. If half of your people are struggling with this whole area, if a bunch of your people are not giving men, you need to be teaching on generosity. And so what we've done here is we're going to go through five examples from five fantastic churches that and some of the things that they do. I'll kind of point out what I love about them and we're going to listen to or watch a clip from that to kind of give you a sense of what it talks about. So you should steal these ideas for teaching on generosity at your church. First Church, Crossroads Church in Cincinnati, Ohio. A couple of things I love about them, they do the 90 day tithe test. It's a classic. We've seen a number of churches do this, but they also have a thing called blue team. Let's talk about the 90 day tithe test. You know, interesting that passage in Micah where it talks about test me in this, which is a strange thing that God says. And they've taken that to the conclusion. They said, hey, if you want to test God in that, we'll give you your money back. A money back guarantee doesn't sound that cheesy from us, believe me, or from them. But it is a great way for you to challenge your people to step up, for them to engage, to try to test the Lord in tithing. But they also do something called the blue team, which I love. This is a declared team. It's a team of people who have self declared and said, hey, we're going to teach or we're going to tithe and we want to be a part of tithing. And we get let in on like a little team at the church. Well, it's not such a little team. You get like a free sticker every year. You get information from the church, they send you some specific teaching. So this is an opportunity for you offer a time box challenge. Something like the tithe challenge might be good talk. Think through the blue challenge. We've got links for all of this in the show notes. It would be a great place for you to start. Let's just go and watch a quick clip from Crossroads Church in Cincinnati. Get a chance to hear a little bit from them.
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If you don't trust us, I just want to give you some advice. Go find a church you can trust. If it's not this one, that's okay. Go find a church you can trust and bring your tithe there. See what I want for you. I don't want your money. I want you to have God. And you're not going to get God's best if you're not giving him your first. So find a place to you can give your first and start practicing it. God has not changed on this. He hasn't. One of the most famous places where he talks about the tithe in the whole Bible is Malachi, chapter three. And he starts this way. He says, I, the Lord do not change. I haven't changed. So you, the descendants of Jacob, are not destroyed. Then he says, 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? God's response, will a mere mortal rob God? Yet you rob me. But you ask, how are we robbing you in tithes and offerings? You're under a curse, your whole nation, because you are robbing me and Then look at the next thing that he says. It's incredible. God says, 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. God's such a better parent than me when my kids mess up. I'm not. Test me in this. See if I will not pour open the floodgates of the ransom bank account.
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I'm like, test me in this and.
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See if I will not ground you.
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For the rest of your life.
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That's not God.
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God's a positive reward parent. See, I'm not after condemning you today. Wherever you are in your giving journey. I'm not after condemning you. I don't think God's after condemning you. I don't think it's condemnation. I think it's an invitation to step in and to trust him. Will you put him first in your heart? Is the question. You know, if you've never tithed, maybe the conversation you want to have with God is around this topic in the push. Maybe your push commitment is a tithe for the very first time in your life as a way of telling him that he's first in your heart. That's tithing. That's the starting point for biblical giving. But it's not all of the levels of biblical giving. In Malachi, he talked about tithes, plural. Because every time you get paid, every time you get money, you give God the first 10% of it tithes. But he also talked about offerings, plural. There's actually multiple kinds of offerings. The first is what you do with your 90%. See, offerings is about my own. See, it's actually accurate to say that this is where biblical generosity actually begins. Tithing isn't giving so much as it is returning. In fact, in the Bible, God never says, give me your tithe. He says, bring it to me and return it. Why?
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Because it's his. You can't give what's not yours.
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You can return it, but you can't give it. See, true generosity starts with what you do with your own. In that 90%.
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All right, number two, we've got liquid Church Generous Living. Love these guys. They also do a 90 day tithe challenge with a money back guarantee. They provide weekly videos and emails to encourage that. They have budget workshops, practical handouts. They've done a number of series like this. I love their series, the Blessing of Generous Living. We'll have a clip here in a minute. Again, it's a bold offer. It's got lots of clarity. They're dripping content. This is a critical piece, a critical learning from this liquid. Has done this multiple years in a row. That's another learning here. If you're going to do a tithe challenge, don't just do it once. You've got to come back time and time again. What we see in churches that have done this is people might do it the first year but then fall off. They don't actually tithe. But then when it comes around to the second, third year, people will re up and it has a huge impact on them as they do that. Have one clear challenge on that. Also provide. I love that they pair it with budgeting classes and coaching hours, that kind of stuff to help. So let's take a look and watch a quick clip here from this series, the Blessing of Generous Living so you can get a sense of what's going on there.
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In fact, this is the only place in the Bible where God challenges his people to test him. Let's read this challenge God gives. In verse 10, it says this. Say it together. Test me. In this, says the Lord Almighty. And see. Test me and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have room enough for it. Guys, circle two words in your Bible, type them in the chat. Test me. Everyone say it. Test me. Nowhere else does the Bible say this. In fact, the Bible says, don't put the Lord, your God to the test except in one spot, one area of generosity, the tithe. See, the tithe is a test. It's a test of your heart. It's a test of God's faithfulness. See, when you honor God first in your finances, he says, test me and see if I can't be trusted. Remember, I own everything. I am your father. I own. Everything under heaven belongs to me. You see, if I can't be trusted to do what? What's God say he'll do? He says, you return the tithe and see if I will not open the floodgates of heaven. Start with a little trickle, then a little bit more, little bit more. And pour out so much blessing in your life that you won't ever have.
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To contain it all.
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You ain't gonna have room, baby. It's a picture of abundance, of blessing, of overflow. God says, when you give me your tithe, I promise to bless the rest. And at first we think, man, I don't have enough. But somehow at months, then I have more than enough. See, folks, this is a Fundamentally different way of looking at life. The world tells you, spend every last set of yourself all these M and Ms. For me. God says, no, no, I want you to trust me. If you return the tithe, you pass my test. And now watch this. I can trust you with more. Not just more. More than enough. Now, you may say, I know what some of you are thinking here. Some of you are like, who's gonna eat all those M and Ms? Tim, is that you after the service? Yes.
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You're right about that.
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Some of you are saying, but, Tim, what about. What about my student loans? You know what God says? He says, test me. What about my job situation right now? He says, I dare you to test me. But what about our house? God says, test me if you will test me and live generously. The only thing you may lack is room enough to contain all the blessing that I plan to pour out on you. Test me in this, says the Lord Almighty, and see if I will not open the floodgates of heaven and pour out so much blessing, you may not have room enough for it. Can I ask, like, what would it be like for you to take God at his word this spring to actually live generously, stop robbing God and test him with the tithe in Malachi? God's basically laying a challenge down to me and to you. He says, do you want to keep 100% for yourself and live with a curse without my favor? Or return 10% to me, the maker of heaven and earth, and receive my blessing? That's literally the tithe challenge we're confronted with. Test me in this. See if you can't outgive me. How many of you know you can never outgive God? Amen. You'll never live more generously than God. See if he can't be trusted to lead you into a life of generosity. That bling brings the blessing of your father in heaven, guys. And that's why our whole church this spring, we are doing a 90 day tithe challenge. I'm challenging every single person here straight out of the word of God. Those of you who are watching online, those at every campus, starting today, I believe the Lord wants to challenge those of you who've maybe been holding back your finances from God. This is a chance to take God at his word and jump on board this spring.
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All right, number one three, Pantano Christian in Tucson, Arizona. The altars of generosity. This is one of my favorite churches, one of my favorite pastors in the entire country. I love what God's doing at Pantano and if you're not tracking with them, you should. I love this because he talks about how tithing or giving is worship in motion. Again, we'll have a link here in a minute. And there's. They have this great idea of. It's what they call an add A$10 a week to your tithe challenge. I love the concretene of that. It's. It's shrinking the ask. It's asking them. It's making a kind of tangible ask. It's. It's taking. Meeting people where they are, where they might wrestle with tithing, or what they give. And so it's saying, hey, what if we just asked? And it's really trying to frame it as worship, not as, you know, a giving thing or as a, you know, a fundraising thing. But they also offer a number of other supports like we've seen in other churches. Budgeting, estate planning, those sort of things to help. The takeaway for here is this idea of the $10 a week. Add that to your giving, your weekly giving. That's a. Like, an easy thing that people can step into. So let's take a listen now to a clip from Pantano Christian.
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I don't know if you remember, we have a thing around here called the $10 Challenge. Anybody remember the $10 Challenge? And I did some math a few years ago, and the math has changed because you keep bringing people, which is awesome. But I did it last night. I was like, if everybody that calls Pantano home right now were to give an extra $10 a week, what would we be able to do? You know how much that is in a year? $3.6 million. 3.6. And I just had this moment where I was like, you know how many campuses we could plant? You know how many global partners we could help? You know how many countries that don't have Jesus we could go into with $3.6 million? Not one of us has to give that gift, but if all of us give 10 bucks. So if you give nothing, give 10 bucks. If you give $10,000 a week, which, by the way, that's wild. Give $10,000 in 10 and watch God multiply.
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All right, here we go. Number four, Life Church Making Change. I want you to check out the Life Church series, Making Change. This is a fantastic series. I love it because they've really reduced down to these four great symbols and these four great principles in such a great way. Craig and the ent, they're obviously amazing communicators. Less is more, stress is bad. Giving is good. Tomorrow Matters and they've built the whole series around that. They've paired it with youversion devotionals group courses like Financial Peace. So they've really kind of surrounded that around it. The thing that the takeaway for you is you've got to dumb it down. You've got to put the cookies on the bottom shelf if you want your people to live generously, to push back against. Listen, Amazon makes things really easy. The one click buy button, man, that's radically easy. How can we make positive financial habits as easy as life? Church does it in spades. I love this kind of four word maxim that they've built the seven day reading plan to take people, you know, deeper. So good. Let's listen in now. We'll watch a quick clip of this, but again, check our show notes to see the entire episode. You're going to want to see that.
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Here's what we're going to talk about today. Week number one, we're going to talk about less is more. Everybody say less is more. Then we're going to talk about stress is bad. Everybody say stress is bad. Then week three, we're going to talk about giving is good. Everybody say giving is good. And then week four, we're going to talk about tomorrow matters. What are we going to talk about? Let's say it aloud, everybody. We're going to talk about less is more, stress is bad, giving is good, tomorrow matters. That's really good. All of our churches again, what are we talking about? Less is more, stress is bad, giving is good, tomorrow matters. One more time because we're all gonna remember this. If you'll notice, I've even got a dance move. I didn't plan it, but I got a move going on here. What are we talking about? Less is more. Stress is bad, giving is good and tomorrow matters. Today I want to dive into the theme that less is more. Because if you're like me, I've been programmed to believe that more is always better. For my whole life, I always thought if 1 is good, then 2 is better. If $1 is good, $2 would be better. If 1 car is good, 2 would be better. If 1 kid is good, 6 would be better. At least on most days. You know, if one is good, then more is better. If one is good, then more is better. In fact. Wow, look at this. Where did this come from? How many of you have ever enjoyed the candy called sprees? All of our churches, you've had a spree. The red ones are the best. By far. The red ones are the Best by far. I always believed if a few sprees were good, then more was better. Until about the fifth or the sixth grade, when one time I went to the movie theater, and instead of buying one roll of sprees, guess what I bought? Say it with me. I brought two. That's exactly right. I went into the movie theater and I started diving into them, eating one at a time. I went all the way through the first container, then I got into the second one. And then by the end of the movie, these were no longer called sprees. They were now called spew. That's right. I vomited. The most colorful vomit in the history of the world. You talk about a Technicolor yawn. I mean, it was just bleh. Everywhere, everywhere, everywhere. One is good, sometimes two isn't better. I want to talk today about the theme that sometimes less is more. And I've got, just in honor of that theme, one verse in your notes today. Now, a lot of times I like to use a lot of verses, but guess what? If there's only one verse and you internalize that one verse and you memorize that one verse, and you know that one verse for the rest of your life, then we could make an argument that less is actually more. And so, in honor of this theme, today you're gonna get one verse. Now, I cannot promise that I might not just spiritually drop one in out of memory, because God's word is hidden in my heart. I can't make. But in your notes, in the spirit of the theme, there is one verse. And the verse is found in Ecclesiastes 4. 6. And let's all say this aloud. Better is what? Better is one handful with tranquility. Then what? Then two handfuls with toil, and it's chasing after the wind. Let's do it with an illustration like this. Better is what? Let's say it aloud. Better is one handful with tranquility. Than what? Than two handfuls with toil and stress and fear and panic and financial worry and a chasing after the wind. I hope you'll remember this. Let's say it again because we're going to internalize this one verse. Better is one handful with tranquility than two handfuls with toil and a chasing after the wind. One more time. Man, we're going to drive this in deep today. You may say, man, that guy was repetitive. But you will remember. You will remember, you will remember. Less is more, stress is bad. Giving is good, and tomorrow matter. Better is one handful with tranquility. Than two handfuls with toil and a chasing after the wind. When is one handful better? Why is one handful better? Because if I have one hand and someone needs a hand up, what can I do? I can give them a hand up. If I have one hand pulled. Someone needs something, I can do what? I can offer something to someone who is in need. If I have one hand full and someone needs comfort, what can I do? I can offer them comfort. If I have one hand full and I want to take a nap, what can I do? I can take a nap. Okay, because why say it with me? Better is 1 handful with tranquility, then 2 handfuls with toil and a chasing after the wind. So what I want to do is really focus on when less is more. Less of what? Doesn't matter why, so I can experience more of what does. If you'll look in your notes, what I want you to do is look at the question, the statement, and I want you to work for a minute to try to define what does matter to think about in your life and ask yourself what really matters matters. If you have a hard time thinking, you know, the top three things that really matter. I was talking to a person that was really sad and yet at the same time it was oddly powerful. This person found out that she had about three months or so to live and all of a sudden, man, I'm telling you, in her life there was like real clarity about what's important and what's not important. Okay, just imagine if you've got a limited time to live, what would you put on the paper? What, what is really, really important? And in our life groups this week and in our FPU classes this week, we might talk about this. What is it that is most important? I actually posted on social media and asked people what they thought was most important.
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Alright, number five, Saddleback. These guys are in Lake Forest, California. Uncommon Sense, you probably know, have heard of Saddleback, but you know, they name the fact that we are living in skyrocketing consumer debt and low financial literacy. These two things terrible together. So they put together this great resource hub. They ran workshops, they launched financial freedom groups. You can, we've got a link to what they call the Uncommon Sense series hub with all that information there. The thing I love about this is they are surrounding their people with resources that are associated, that are connected to this whole area, making it easier for their people to ultimately live a better life on the financial side. So let's take a listen again. Check the link below so you can learn more about what they've done. Let's take a listen in to a clip of the message from Saddleback Church.
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This series that we're going to focus on these next few weeks. This subject is one of the most important subjects in culture right now. There is so much confusion when it comes to money, so much fear that we live with. And I believe a lot of this is fueled by narratives that we receive in our world that we just embody. I think there's a lot that plays into inflation and economics and everything that's happening in our world that really does impact us financially. And I think about it through the angle of conversations I've had with people throughout the years about finances. And we'll talk about money. And I'll hear this often. I'll hear, I really want to fill in the blank. I want to be more generous. I want to be a better steward. I want to manage money better. But I just feel like I can't. And that statement is loaded. Now, here's an assumption I'm going to make about you, and this is the assumption. You want to do better with money, but there are barriers that are holding you back. I believe that deep within your heart there's a part of you that wants to do better with finances. You want to be more generous, you want to be a better steward. But there's something in your life that's holding you back. And it's different for all of us. Some of us, it's a mindset that we carry. Some of us, it might be a hard attitude. Others it might be some habits that you've gotten stacked under. So we're going to look over the course of this series at those common barriers and what God's truth says about them. And here's another truth. To move forward, we must identify and remove the barrier that stands between us and the life that God has created us to live. We need to identify that which is preventing us from moving in the direction that God wants our lives to go. And my belief is the more that we understand God's truth and we live it, the greater levels of freedom that we'll experience in every area of our life. And it's not just my belief, it's Jesus belief, too. And he would say this in John 8:32, listen to his words. You will know the truth and the truth will set you free. When you and I understand the word of God, the principles of God for our life and we apply them, it leads to freedom in any area of our life. Now, part of the challenge and why we're calling it it on common sense is because in many ways there's confusion around money. I say this oftentimes to my kids when it comes to finances. Part of this is a tactic because a lot of my kids friends are buying them cars and I'm not buying my kids a car. So I need some theology to back it. So what I say is, and this is a proverb, there are a lot of people that when you look at their lives, they look like they're doing great financially, but under the surface it's a mess. And then there are a lot of people that they look, they're living a completely ordinary life and they don't look like they're living financially well off. But there is, underneath the surface they've been wise. And my dad used to call it stealth wealth. They would say that it's a kind of stealth wealth that you don't know that they're doing great. And that reality for us, when it comes to our understanding, we can get confused. So that's why we're going back to what is the Bible teach. And God's desire is for us to be obedient and experience freedom as a result of that. So today we're going to look at Matthew, chapter 25. We're going to go through a parable that Jesus taught. And it's good for us to know Jesus would speak more about money than heaven, hell, faith and prayer combined. So he had a lot of things to say about this subject. And in the Bible, from Genesis to revelation, there are 2,300 verses about money. So it comes up a lot. And the reason why is because for so many people, money is the very thing that stands between them and the journey that God invites us onto. It becomes a massive barrier in a discipleship, lifelong pursuit of Jesus. So we're going to go after that barrier so. So that we can live with God's kind of freedom that he wants in our lives. And we're gonna start with Matthew 25. Matthew 25, Jesus is speaking. And I'm gonna read through this. You can pull out your notes. It's on the front page of your notes. It's in really small font by the way, so you might need to get some glasses out. I tried in the first service today to read from that page and I was like, man, I need some bifocals. So I'm reading from my notes here. But it's the same passage, Matthew 25, starting in verse 13. It says, so you too must keep watch for you do not know the day or the hour of my return. Now, Jesus gives this line between two kingdom, kingdom of God parables. So he's describing the kingdom of God, and in the middle he calls us to awareness and urgency of his return, that he's coming back. You don't know when it is. It's going to surprise you. It's going to come in a moment when you're not expecting it. So you can live in such a way even though you don't know the when he gives us the what of how to prepare for his return. And this is what he says. The kingdom of God can be illustrated like this. It's like a story of a man who is going on a long trip. He called together his servants and entrusted his money to them while he was gone. Now in your notes, I want you to underline that phrase that says his servants and his money. So these two phrases are important. So Jesus is going to give identity to the servants. Now, the Bible speaks a lot about our identity, that when you enter into a relationship with Jesus, you put your trust in him. God gives you a new identity. He calls us sons and daughters of the Most High God. And not only are we called sons and daughters, but we're also called servants. So the Apostle Paul would describe himself as a bond servant of Jesus. So you see in this passage, a master that is going to trust his money to his servants. It's not normal. Like typically, a master would give his sons and daughters the money, the inheritance. But this master is trusting his servants. So his servants were entrusted with his money while he was gone. He gave five bags of silver to one and two bags of silver to another and one bag of silver to the last. Now notice five, two and one. They're each given a different amount from the same master. He divided it in proportion to their abilities and then he left on the trip. So he's gone and they've got to decide what am I going to do with what's been placed into my hands?
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Okay, so that's it, friends. There are some five that you should check out. Check the links below, make sure you do that. But here are just a couple tips on how to preach about money with clarity and zero cringe. How to preach money with clarity and zero cringe. Number one, lead with purpose, not pressure. Listen, you want something for your people, not from them. Let's show them the connection between their financial life and freedom. Margin and mission. Number two, name the cultural liturgies. Debt, dopamine and one click checkout is discipling your People daily quote the macro, household economic data let people know that they're a part of a much broader thing and that the Bible, ancient truth wants to speak to this current day reality to lead them out of that. Number three, make the ask measurable. So what we see throughout a bunch of these, the 90 day tithe challenge or the $10 a week step creates traction because it's clear, it helps people get a sense of what to do next. And pair every sermon with a tool. So then number four, pair every sermon with a tool. Apps, worksheets, groups, coaching. We need to make it super practical. This cannot be ethereal. This can't all be in people's heads. We've got to make it super clear for them. Number five, use one liners that Travel Life church did such a good job on this. Those four kind of super catchy. I want to highlight that for you and me. These organizations that in some ways we're competing with to disciple our people around money, around resources, they do a good job on simplifying things. We've got to do a good job on simplifying. That doesn't mean make things simple, but it means making them clear. And then finally, number six, tell stories, yours included. Why did I start with a little bit of an embarrassing story about my own struggle in this area early in our marriage when we were hitting some financial pressure? Because your story of whatever the $35 a week grocery story is, in your world, you've got stories like that where you wrestled with money. You are not perfect on this front. People are looking for transparency and authenticity. There was a part a time in our culture where people were looking for church leaders to be these like holier than thou perfect people. That day is gone. They want you to speak about these things. Friends, there's an elephant in your auditorium and it's that you're not talking about resources, you're not talking about money, you're not talking about how people can use their resources. In fact, there is a huge risk. I like to call it malpractice by omission. If you're not talking about these things, if you're not discipling your people about their wallets, don't be shocked when Wall street disciples them instead of what the Bible and what Jesus has to say to them. Well, there it is, friends, teaching on money without being weird. Five churches that are doing it right. Thanks for being a part of Unseminary. Let me know if there's anything we can do to help you.