Learning to Preach On Money
Posted by bgosden on Oct 15, 2012 in Jesus, Kingdom of God, Preaching, The Church | 11 comments

Every young preacher has their firsts. Today was one for me. We’re in the middle of our annual Stewardship Campaign at the church I serve. In the mix of themes, I drew a theme to preach that I’ve never preached on before — money. You should know that I don’t have a single memory of money being preached on in the church I grew up in. Frankly it was sort of treated like politics or sex — you never talk about it in mixed company. So yesterday I preached on the lectionary text for the day (Mark 10:17-31) and geared toward a message on the importance of financial giving.
In preparing for this sermon, I decided to call a couple of friends. I was really having a hard time with what direction to take with the sermon. The truth is, I was struggling with my own personal discomfort in talking about money. Since this is a growing edge for me as a young pastor, I decided it would be a good idea to seek the counsel of 2 friends who are more seasoned than I am and who also serve larger, more wealthy churches (their contexts mirror the one I preach to in this regard). The advice they gave was invaluable.
Here are a couple of big points of advice I used to guide the construction of the sermon:
- Don’t be too creative. I know this sounds a little counter-intuitive at first, but hear me out. The texts we use to preach on money are penetrating enough. Let the text speak for itself. Money also has very tangible dimensions. But preachers are notorious for “over-fluffing” sermons on money by trying to redefine it as something spiritual, and therefore less physical and more abstract. We say sermons on money aren’t really sermons on money but are actually sermons on other things. As preachers, we run the risk of beating around the bush and never talking about the reality of money itself when we fail to be simple and direct about the place of money in the life of the church and its members. There’s a reason Jesus quite often put a price tag on a person’s generosity. Sure, those encounters had a lot to do with abstract spiritual things. But make no mistake, Jesus put money in simple, physical, and demanding terms.
- Be honest. We live in tough economic times right now in America. Now look, I know that by virtue of being American, we’re largely better off than many in other parts of the world. And as preachers we can harp on that all day to remind our congregations to be grateful for what they have. But I’m a United Methodist preacher which means I have a certain job security and guaranteed benefits. Frankly I have a hard time with my UM colleagues making this point when people in their churches have lost jobs, homes, and retirement savings and we’re sitting pretty comfortable with those things provided for us. A better approach is to simply be honest about the economic constraints. Times are tough for families and they’re tough for churches too. Churches need to do the work of analyzing their financial realities and they ought to be making tough decisions on what they can do without. Likewise, families and individuals should do the same and preachers shouldn’t shy away from making that clear. But be honest. Don’t assume they get your point — come right out and say it.
- Be bold. Financial giving is a statement of generosity on the part of individuals and families. Generosity is as much an expression of our faith as our prayers, presence, service, and witness. And filling out a pledge card is a spiritual act because they’re most often turned in during a worship service. The best line I borrowed from one of my pastor friends was this: Saying “yes” to generosity means saying “no” to something else. The essence of generosity is twofold: 1)Giving must come with a cost; and 2)We give largely for the sake of others. In tough economic times, could we give something up in order to be generous? Are we willing to give so that someone else might be the beneficiary? These are tough but necessary questions to ask in the church. Our faith does not belong to us alone, but it belongs to the community as well. We have a responsibility (note I didn’t say “option”) to give so that others might benefit. And we give to the church because we believe what we can do together is greater than what we can do as individuals. There is a refreshing honesty when a preacher says that.
This sermon was a true learning experience for me. I’m very much a narrative-style preacher who loves stories and creative twists and turns to make a point. But this sermon turned out to be much more practical and straightforward. No stories — just practical talk about money and generosity. It also took a lot of discipline for me because I always want my sermons to be loved by people. The risk you run in this sort of sermon is the “hard truth” might offend someone. However if you’re being true to the text, Jesus is very offensive to our realities. As preachers we spend a good deal of time wanting to be liked, so sermons on money are great opportunities to set that desire aside for a Sunday. The timing also worked well because pledge cards went out in the mail this past week so they were fresh on the minds of the congregation. They also have 2 weeks to consider what that pledge will be before Commitment Sunday. In the future I think I’ll always design a sermon on money a couple weeks before pledge cards are due that way people have some time to think about their pledge before they turn them in. All in all, it was a great learning experience and one I’ll come back to for years to come.
How do you preach on money? What are your “do’s” and “don’ts” when it comes to preaching on giving?
Great words. I also believe now for every sermon we preach on giving and tithing, we must preach 2-3 sermons on money managment. We need the work of D Ramsey, Crown financial, etc to give folks the tools to be managers of the millions that will pass through their hands.
Please send me a copy of that sermon! I love your preaching.
Why only preach on monetary giving once two weeks before commitment Sunday? Everybody expects that. Jesus taught much more about money, finances, and giving than he did on prayer or other spiritual disciplines. At one church we figured that if we were true to the gospel, six sermons a year needed to address finances. So we did that and the final sermon on giving the couple of weeks before commitment Sunday was done by an invited motivational speaker. It was lighter and entertaining.
Also, I would recommend an analysis similar to what I did at Decatur – people still talk about this sermon 7 years later. I got the number of giving units, got the average number of members in a family unit (your membership software should give you that number), and multiplied it by the federal poverty income guidelines for a family that size (round up). Multiply that number by 10%. Then take the number of giving units and multiply it by the average income of the people in your zip code areas or primary zip code or average the different incomes from the zip codes. Take 10% of that number – this should be close to what the church budget should be if everyone was tithing. My guess is that your budget is closer to the poverty guideline tithing than the average salary. If it is and you want to be bold, preach that next time.
I am in a new appointment since July 1 with huge money problems. So I thought… I might as well begin by tackling the subject. And I did. As a part of the sermon, I specifically outlined the problems in detail… I did not hide away from the issue… and even was so bold as to show what would happen if we tithed for 3 years. (I don’t believe we are tied to tithing, because for some tithing is a hardship and for others it’s a complete cop-out… it also old covenant). If our church tithed, we would pay off our debt ($1 million), finish building the new church (a further $1.5 million), pay our apportionments in full, fund our budget, and have $250000 in the bank. All that in just 3 years. I’m still trying to work out how the response was overwhelmingly positive with not a single negative pushback (at least none I know of). Offerings shot up… and have been up for 7 weeks since that sermon. September was the first solvent month this year, and our income significantly exceeded expenditure. Sometimes, just being honest works… who knew!
Good word.
Speaking as a layman, it seems to me that the story in Mark 10:17-22 and Christ’s subsequent teaching is not fundamentally about generous giving. The rich young man was probably already a generous giver. If he was as observant as he claimed, he gave his tithe to the Temple. (How many in our congregations are as generous?) Rather than generosity, the issues appear to be Christian freedom and commitment and trust in God. Christ’s command to the young man and his response indicates that he was owned by his wealth. When we are as rich as Americans, we tend to place our trust in money for our security and satisfaction. This is idolatry (Ephesians 5:5). [Even in hard times Americans are incredibly rich. (In 2010, we spent about $2 billion on Easter candy. })] Jesus wanted to free the young man from slavery to money. When we are enslaved to something, the way of freedom is to rid ourselves of it. (Matthew 5:29 & 30). Stewardship is liberating. Giving God control of my money means that I don’t have to worry about it (Matthew 6:25-33). My focus can then truly be on seeking the Kingdom of God and his righteousness. Jesus tells us that where our treasures are, there our hearts will be also (Matthew 6:21). In talking about stewardship, I always tell people that God and His church don’t want their money – God wants their hearts, which come along with their treasures.
These are the main points that I make in talking about stewardship. I also like Frank’s analysis to wake people up. In drafting stewardship letters, I did something simpler. I just looked at the poverty level income for a family of four, calculated a tithe on that income, and asked people whether they could give a poverty level tithe.
Thanks for the comment, John! I appreciate the critique. Just a couple of follow-up comments:
1. I’d be careful about assuming too much into the text at hand. The text doesn’t say the man was generous and we probably shouldn’t assume so. Jesus identifies money as a hinderance to his discipleship. Therefore we can’t just assume he was already generous
2. I agree about putting it in demanding terms. However for the purposes of a sermon I’m skeptical of using too many numbers and formulas when I have no visual aids at hand. Everything you and Frank describe is spot on and helpful, however the context of worship and my placement in a pulpit might make it difficult to avoid losing people in too many numbers.
Thanks again for the comment! I appreciate you reading my blog!!
I tend to agree with John. Stewardship is more about trusting God than it is about magnanimity. Generosity simply means the recognition of God’s providential sovereignty over me.
Thanks for the feedback, Morgan. I’m going to push back a little, however. Stewardship is about trusting God — I simply preached 1 sermon out of a series on stewardship. However we can’t be naive in the church to think money isn’t important to talk about. Jesus said a great deal about money and preachers should also. It can be an idol in American culture and we shouldn’t hesitate to talk about it in terms of living as disciples and using our money accordingly. Generosity is not about sovereignty — it’s about our response to God’s sovereignty and grace. I know that’s semantics, but I think it’s important that we don’t forget discipleship is a participatory endeavor whereby God empowers us with grace and we respond accordingly, hopefully being perfected along the way. Generosity is a way to respond to God’s grace in monetary terms. If we aren’t preaching about money and giving, then we’re missing a very practical way to talk about Christian formation. Keep in mind that I doubt there’s a Christian out there who’s growing in grace who isn’t also generous. Like it or not, financial giving is a marker of discipleship just like our prayers, presence, service, etc.
Thanks again for the comment!
Sure, you’ve got to cover the practical dimensions of it. And I think everything you said made sense. So I’m not sure I was objecting to anything per se. This is basically my message about stewardship in the form of a song:
http://www.youtube.com/watch?v=wRF9ct-9TSQ
I just think that we need to understand that everything we have is God’s property and it’s not “generous” of me as though I’m some kind of saint to simply be trustful and obedient. I just want to change the paradigm for people and talk in the kind of language that Wesley used about divine providence.
And what about Acts 2:46: “Day by day, as they spent much time together in the temple, they broke bread at home and ate their food with glad and generous hearts…”?
Stewardship, worship, etc. is about both sacrifice AND generosity because we offer our worship and gifts to God both out of duty and out of joy. Generosity, then, isn’t so much about giving “what is mine” to God but is instead the attitude I take when I give out of the abundance with which God first gave to me.