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5 Misconceptions about Wealth

March 10, 2023 By Peter Krol

The book of Proverbs covers many topics and gets intensely practical. One of the topics on which Proverbs has quite a lot to say is wealth.

The struggle for many Christians is that our thinking about wealth is often shaped by influences outside the Bible. Sometimes we’re shaped by materialism. Sometimes we react against materialism in a way that seems spiritual but demonstrates the sort of asceticism labeled by New Testament authors as “irreverent, silly myths” (1 Tim 4:7) and the “teachings of demons” (1 Tim 4:1). And at other times, we simply allow rank fear and unbelief to lead us away from our hope in God and reception of his wisdom.

Here are five misconceptions about wealth that must go if we are to believe and receive the wisdom of God.

1. It will make all my problems go away

This is frankly the lie I am most tempted to believe. Am I earning enough? Am I saving enough? How will I cover the costs of a growing family with all this inflation? How will we pay for college or medical needs? What we really need is a generous benefactor or a sudden windfall. Because if we had more wealth, all our problems would disappear, right?

Riches do not profit in the day of wrath, but righteousness delivers from death
Proverbs 11:4

According to the Bible, there is a problem we all have that is far greater than we imagine: our impending death. And God’s wrath against sin is real. My kids’ college tuition and my retirement package just can’t pay for such things. Only one thing can deliver us from death, or profit us in the day of wrath. Righteousness. And the entire Bible shows us how to get it (e.g. 2 Cor 5:21, Phil 3:8-11).

So wealth will never make your problems go away (see also Prov 11:28). But the amazing thing is that it just might help make other people’s problems go away. Wealth and people are both realities in this fallen world. But which one will serve, and which will be served? Use people to serve your wealth, and you’re in grave danger (James 5:1-6, 1 Tim 6:17). But use wealth to serve people, and the Lord himself says he is now in your debt (Prov 19:17, Matt 25:40).

2. I can tell who has it and who doesn’t

We tend to think we can tell the rich from the poor by looking. And this is great, because then we know whom to ask for favors (Prov 19:6). But appearances are deceiving.

One pretends to be rich, yet has nothing; another pretends to be poor, yet has great wealth.
Proverbs 13:7

Those who appear to be rich often appear that way for a reason: They’re good at holding onto their stuff for themselves. And it would knock your socks off to find out which of your acquaintances are the most generous with their wealth. Because they are so generous, they tend to keep very little for themselves to flaunt.

One gives freely, yet grows all the richer; another withholds what he should give, and only suffers want.
Proverbs 11:24

I have been a support-raising missionary for nearly a quarter of a century, and I don’t know why I’m still surprised, but I am. Those whom I think could give generously to support the mission often do not. Sometimes, they look like they can because they have lots of stuff. Yet often, those whom I am afraid to ask—because they don’t look like they can afford it—are those who write checks in the thousands or tens of thousands of dollars.

This is not an exact science. I am not saying that appearances are always the exact opposite of the truth. I’m simply saying that you can’t tell who has the most wealth just by looking at their lifestyle. Such judgment didn’t work on the Lord Jesus (2 Cor 8:9).

3. It is something I ought to feel guilty about

The Bible extends some serious warnings to the wealthy, since it is ridiculously easy to transfer my allegiance from God to my investment portfolio. Anyone who comes close to wealth ought to be sobered by it and wary of it. Wealth is something of a ticking time bomb or hot potato that will burn you if you hold onto it too long.

The problem, however, is that sometimes we take such truths and turn them into guilt trips. As though God wants people to be poor. As though it is unchristian to have access to wealth. As though one ought to be ashamed of themself if God has blessed them in material ways. But:

The blessing of the LORD makes rich, and he adds no sorrow to it.
Proverbs 10:22

God does not promise to make every one of his children wealthy here on earth, but he does bless some with wealth. And he blesses a few of those with a lot of wealth. He doesn’t do it to make their lives easy or problem-free (see misconception #1 above), but he does do it. Often, it’s not simply a random gift, given for no reason. It may simply be the fruit of living a life of wisdom.

In the house of the righteous there is much treasure, but trouble befalls the income of the wicked.
Proverbs 15:6.

Some people have no wealth because they’ve devoured it for selfish ends (Prov 21:20). But when a person wisely sees their wealth as not “mine” but the Lord’s, there is a strong motivation to collect more of it and put it to good use in service of others. The Bible does not lay a guilt trip on such people, and neither should we. When a believer is faithful with a little responsibility, the Lord’s reward is to give them even more such responsibility (Matt 25:21, 23).

4. It doesn’t matter how I get it

This should be obvious in light of the prior misconceptions, but it’s worth saying outright: Though wealth is not a bad thing in itself, that doesn’t mean we’re right to acquire it by any means possible.

Treasures gained by wickedness do not profit, but righteousness delivers from death.
Proverbs 10:2

There’s that inconvenient reminder of death again! If you acquire your wealth through wickedness, it won’t be of any help when it matters most.

So don’t gather wealth through wickedness. But also, don’t gather it through haste (Prov 13:11) or stinginess (Prov 28:22). That’s right: Your lottery earning will neither last nor keep its promises to you. And the image of a miserly Christian is a scandalous contradiction.

Hard, honest work over the course of a lifetime is the best way to go (Prov 13:11, 21:5).

5. It doesn’t matter whether someone has it or not

Have you ever been tempted to just throw your hands in the air and give up? Financial matters can be stressful and disheartening. Why not conclude that it just doesn’t matter? Wouldn’t it be a more faith-filled and Spirit-filled way of living to say, “I don’t care about money or wealth. I’m just not going to pursue it or think about it. God knows what I need, so I’ll just let go of the issue and let him provide whatever I need when I need it.”

That may sound mature, but it may represent a failure to grasp the first 4 misconceptions! Wealth cannot make your problems go away, but it can effectively alleviate the problems of others. You can’t tell who has it and who doesn’t, because those who are wise make use of it to serve others. You don’t have to feel guilty about wealth if you will be as generous with it as God has been with you. And it does matter how you get it: Not by using people but in order to serve them.

We’re real people with with real bodies in a real world filled with real suffering. Wealth can dramatically affect the quality of someone’s life, and that is the very reason why the Bible cares so much about the poor! Not because it’s better to be poor, but because God gives his people wealth to relieve the poor.

God wants you to use wealth to make friends with the people around you so you can win them to Christ (Prov 14:20, Luke 16:8-9).

And the wise person does not demonstrate a lack of awareness or concern with wealth but a deep awareness of such things, as demonstrated by their prayer:

Give me neither poverty nor riches; feed me with the food that is needful for me, lest I be full and deny you and say, ‘Who is the LORD?’ or lest I be poor and steal and profane the name of my God.
Proverbs 30:8-9

The prayer of the wise is neither a request to take wealth away nor a request to give all wealth to remove problems. No, the wise and righteous prayer is a prayer for plenty. A prayer for whatever God deems sufficient for his purpose.

And God’s purpose is clear: that we would love him with all our hearts, and love our neighbors as ourselves. So will you use people to serve your wealth, or will you use your wealth to serve people?

Ten Characteristics of a Great Small Group Member

August 10, 2015 By Ryan Higginbottom

Both inside and outside of the church, we talk a lot about the characteristics of leaders. And rightly so. For any organization, leaders cast the vision, set the goals, and model the actions.

We hear far less about followers. This, despite the fact followers far outnumber leaders!

What Makes a Good Follower?

cassandra (2012), Creative Commons License

We have lots of resources devoted to leading small group Bible studies. But what if you’re not the leader? What if you’re eager to glorify God by attending a Bible study?

Here are ten traits found in a great small group member. If you are attending a small group, make these qualities your target and the subject of your prayers.

What is a great small group member like?

He is a servant. The ideal small group member knows that he has an important role within his group. While he expects to be blessed by attending his small group, he sees the opportunity to bless others through his actions, words, and prayers. He relishes his opportunity to bear the burdens of his brothers and sisters in the Lord.
He is committed to the Bible. He values his friends and their contributions, but his highest authority is the Bible. He knows that cursory and thoughtless readings don’t honor God, so he pushes himself and his friends to dig again and again into the Scriptures. He works hard to keep his Bible study skills sharp.
He is open-minded. He is willing to change his mind when presented with compelling Biblical evidence. His convictions are shaped by God’s unchangeable word.
He listens. He values what others say. He knows that the Holy Spirit gives wisdom about the Bible through the insights of fellow believers. Because he cares for his friends, he is eager to hear how God is at work in their lives.
He is compassionate. He prays for his friends and follows up on those requests. He sends notes of encouragement to those who are fighting for joy in God.
He engages. He answers questions from the leader, and he poses questions himself. When the discussion drifts, he points the group back to the text. He gently draws out those who are shy, and he asks the bold to justify their claims from the Bible.
He is prepared. He labors before his group gathers so the meeting will have maximum impact.
He is vulnerable. He bares his heart to his friends, knowing that honesty is a crucial weapon in the battle against sin.
He perseveres. He is committed to his group despite the imperfections of both the leader and the other group members. He knows that all sinners (including himself) can be difficult to love, and he extends to others the forgiveness and grace he wants for himself.
He is growing. While spiritual growth may be difficult to spot from one day to the next, when he looks back over the course of a year, he can see more of the fruit of the Holy Spirit. (See Gal 5:22–23.) This growth is no cause for pride, but he rejoices in God’s faithful love for him. This growth is inspirational and infectious within his small group.

If you measure yourself against this list and come up short, don’t lose heart. Jesus is the only one who followed any list of good behavior perfectly. If you are God’s child, you don’t earn his smile; rather, his smile never departs from you! This provides both the motivation and the power to work toward blessing your small group.

I’m sure this list is not complete. What characteristics would you add?

Ask These Questions When Joining a Small Group

June 1, 2015 By Ryan Higginbottom

Joe Shlabotnik (2008), Creative Commons License

Some choices in life are simple, like the choice between gloves and mittens. (Gloves, obviously.) Other decisions are far more difficult. Chocolate or mint chocolate chip ice cream?¹ And some choices can show you just how deep the rabbit hole goes.

Easy or not, your choice of a small group Bible study is important. You will study the Bible, seek the Lord, and share your life with these people. It’s a big deal!

Some readers of this site may have no decision to make. Perhaps you know of only one small group in your area. Or maybe there aren’t any other Christians nearby who are committed to the Bible. Those of us living in communities with abundant opportunities and resources should remember our lonely or isolated brothers and sisters and pray for their strength and encouragement. Theirs is a difficult providence.

But a good percentage of readers have options: a small group offered by your church, a community fellowship, a parachurch ministry, or an informal troop of friends. Which gathering should you choose? Consider these three questions.

Where can I study the Bible?

Not all that glitters is gold, and not every “Bible study” group gives attention to the Good Book. Instead, some groups discuss a specific topic or read a best-selling Christian author. Such gatherings can be dynamite, but they aren’t what we mean by a Bible study. Simply put, Bible studies should study the Bible.

So, if you are thinking about joining a small group Bible study, here is your first task: determine whether or not they study the Bible. A few specific questions about the group meetings should do the trick.

Where can I serve?

In proposing this second question, I’m assuming you are not the small group leader. (Though we have many resources for Bible study leaders!) I maintain that, in every small group setting, you can both grow and help others grow. There are oodles of ways you can serve others in a small group.

Do you know of a small group with a young or inexperienced leader? Join and look for ways to pile on the encouragement.

Is there a local group in search of a meeting place? Offer to play the role of host/hostess.

How about a group with several new Christians? Step in and help with discipleship and training.

Have you heard of a group that is stagnant? Strengthen the group by attending and recruiting new members.

What about your friend who is sharing the Bible with unbelievers? Attend the group, help field questions, and introduce people to Jesus!

Even if you’re not filling one of these roles, just your participation in a small group can be a great service. As you contribute your Spirit-led observations, interpretations, and applications, God builds up his people. (Look for a longer discussion of this point in a future post.)

Where can I learn?

Serving in a Bible study group and learning in the group are not mutually exclusive. In fact, because the Bible is written by our infinite, perfect God, we can learn whenever we turn our attention to his knowable Word.

A small group offers a unique environment for learning from the Bible. In a small group, you can harness the power of interaction to sharpen one another and see Jesus more clearly. There are ways you can learn in a small group that cannot be replicated in private or in larger gatherings.

Consequently, you should ask about the format of any group you plan to join. Is it dominated by a leader’s lecture or by group discussion? There are times when instruction is helpful, but you lose one of the main benefits of the small group setting if teaching replaces dialogue.

Default to Your Local Church

There is no perfect small group, so please don’t let less-than-ideal answers to these questions keep you in isolation. Seek the Lord, consider the opportunities, and step out in faith.

Here is one final guiding principle. All other things being equal, give preference to the small group(s) offered through your local church. Your elders have responsibility to shepherd God’s people, so your church’s small groups should fit your leaders’ vision for building God’s kingdom. It may be that part of joining your local church involves participating in its small group ministry.

Trick question: the answer is “yes.” ↩