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Why Christians Struggle With Money

What Does the Bible Say About Your Relationship With God and Money?

Wisdom Muke

Wisdom Muke

Founder & Pastor, Holy and Wealthy

Published July 29, 2026·15 min read
hands resting between a laptop and an open Bible, the relationship between God and money

They came to Jesus with what they believed was an unanswerable question. If they paid taxes to Caesar they could be accused of endorsing Roman occupation. If they refused they could be accused of rebellion. Either answer, they calculated, would destroy him. He asked to see the coin used to pay the tax, looked at it, and said in Matthew 22:21: 'Give back to Caesar what is Caesar's, and to God what is God's.'

They were silenced not because they could not argue with the answer but because the answer went somewhere they had not anticipated. Jesus was not making a statement about taxation, instead, He was making a statement about order and about what belongs where. He spoke about the danger of giving to one thing what rightfully belongs to another. And the coin with Caesar's image on it was only half the point. The image of God stamped on every human being was the other half, and that is the part of the exchange most people have never stopped to think about.

What does the Bible say about your relationship with God and money? It says more than most people have heard preached, and it is more specific and more practical than most people expect. This piece of writing works through that teaching carefully, beginning with what Jesus actually meant and ending with what it looks like in the life of a believer who has learned to keep things in their proper order.

There was a period where every decision I made ran through one filter first: will this bring in money. Not will this serve someone well, not is this what I am actually gifted to do, just will this pay. Looking back, I can see how that filter slowly reordered everything else in my life, including how I related to God. Prayer became a means to an outcome instead of a relationship. It took stepping back and asking a harder question, what am I actually here to build and who am I here to serve, before money settled back into its proper place instead of sitting at the center of every decision.

an old coin resting on an open Bible page, God and money in their proper order

What Does the Bible Say About God and Money? Give Caesar What Is Caesar's

The coin in Matthew 22 had the inscription of the Roman emperor on it. In the ancient world, the image stamped on a coin or monument represented the authority and influence of the ruler who placed it there. When a king's image appeared somewhere, it meant that king's rule extended there. Jesus pointed to the inscription and said give Caesar what bears his image.

Then He said give God what belongs to God. The question that follows naturally from that instruction is what bears God's image. Genesis 1:27 answers it directly: 'So God created mankind in his own image, in the image of God he created them; male and female he created them.' The human being bears the image of God. Not a coin, or a nation's currency. You carry the inscription of God the way that coin carried the inscription of Caesar. The implication of Jesus's statement is that what belongs to God and must be rendered to God is not primarily a financial offering. It is you. Your life, your attention, your first loyalty, your orientation.

The word image here comes from the Hebrew tselem, which means likeness, representation, the form that carries and communicates the reality of the original. Wherever the image of a king was placed in the ancient world, it communicated his presence, his authority, his claim over that territory. God placed His tselem in every human being and released them into the earth. The meaning is the same. Wherever you are, you are meant to communicate His presence, His authority, His character. That is what it means to bear the image of God, and that purpose is far more significant than any financial concern, which is exactly the point Jesus was making when He said give God what belongs to God.

Seek First the Kingdom

Matthew 6:33 is one of the most quoted verses in the church and one of the least understood in its practical application. Jesus said: 'But seek first his kingdom and his righteousness, and all these things will be given to you as well.' The verses immediately before it describe the anxiety people carry about food, clothing, and daily provision. Jesus acknowledges the reality of those concerns directly. He does not dismiss them. He reorders them.

The word seek in that verse comes from the Greek zeteo, which means to search for, to desire, to require, to demand. It is an active, intentional word. Seeking the kingdom first is not passive spiritual activity. It is an active orientation of your entire life toward the rule and purpose of God. And the word kingdom, basileia in Greek, means the reign, the rule, the active governing authority of a king. When Jesus said pray that God's kingdom comes, He was asking His followers to pray for the active reign of God to be established in every territory of their lives, including the financial one.

The practical instruction embedded in Matthew 6:33 for financial life is this: when your primary concern is God's purpose, God's character, and what He has called you to do and be in the earth, the material provision that serves that purpose follows. How your relationship with God affects your finances is answered here. A person whose first orientation is toward God's kingdom is a person who is building toward something larger than personal accumulation. That orientation produces diligence, generosity, wisdom in decision making, and a servant posture toward others. All of those things, practiced consistently, produce financial stability as a byproduct of a life well ordered. The person who chases money directly, making it the first concern, finds that it consistently stays one step ahead.

You Cannot Serve Two Masters: What Jesus Was Actually Warning Against

Matthew 6:24 says: 'No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.' The word translated as money in this verse is the Aramaic word mammon, which carries a meaning deeper than simple currency. Mammon refers to wealth as an object of trust, something a person relies on for security, identity, and direction. Jesus was not saying that handling money is incompatible with following God. He was saying that when money becomes the thing you trust most, the thing that determines your decisions and your sense of security, it has taken the place that belongs to God alone.

The word serve here is the Greek douleuo, which means to be a slave to, to be in bondage to, to be completely subject to the will of. Jesus was describing two possible conditions. Either you are completely subject to God, which means His purpose directs your financial decisions, or you are completely subject to mammon, which means financial pressure and the desire for wealth directs everything else in your life including your relationship with God. There is no comfortable middle position. Both claim the same space.

This is why seeking God first is not simply a spiritual instruction disconnected from financial life. It is the most practically important financial decision a believer can make. A person whose identity and security rest in God rather than in money makes different financial decisions than a person whose identity and security depend on accumulation. They give more freely, plan patiently and serve more genuinely. They do not compromise their integrity for financial gain because their sense of safety does not depend on that gain. That posture, over time, produces a financial life that is both stable and clean.

an empty grand columned hall, representing Solomon's wealth and the conclusion he reached

Solomon Built Everything Money Can Buy and Reached One Conclusion

No one in scripture tested the limits of what wealth could provide more thoroughly than Solomon. Ecclesiastes 2:4-8 records his experiment: 'I undertook great projects: I built houses for myself and planted vineyards. I made gardens and parks and planted all kinds of fruit trees in them. I made reservoirs to water groves of flourishing trees. I bought male and female slaves and had other slaves who were born in my house. I also owned more herds and flocks than anyone in Jerusalem before me. I amassed silver and gold for myself, and the treasure of kings and provinces.'

He had everything that money and power could build. And his conclusion, recorded in Ecclesiastes 12:13-14, was not a celebration of what he had accumulated: 'Now all has been heard; here is the conclusion of the matter: Fear God and keep his commandments, for this is the duty of all mankind. For God will bring every deed into judgment, including every hidden thing, whether it is good or evil.' After experiencing everything wealth could offer, the wisest and richest man who ever lived came back to the same starting point Jesus described in Matthew 6:33. God first. Everything else second.

Solomon also noted in Ecclesiastes 5:10: 'Whoever loves money never has enough; whoever loves wealth is never satisfied with their income.' The man writing those words had more than anyone around him. He was not speaking theoretically because had tested the proposition and reported the result. Money satisfies temporarily and demands more permanently. It cannot fill what it was not designed to fill. The hollow that many people try to address through financial accumulation is the hollow that only a properly ordered relationship with God can address.

You Were Made to Dominate Resources, Not to Be Dominated by Them

Genesis 1:28 gives the original mandate God placed on human beings: 'God blessed them and said to them, be fruitful and increase in number; fill the earth and subdue it. Rule over the fish in the sea and the birds in the sky and over every living creature that moves on the ground.' Three key words in that verse carry root meanings that change how you understand the financial life of a believer.

The word fruitful comes from the Hebrew parah, meaning to bear fruit, to grow, to increase, to be productive. God's first instruction to His image bearers was to be productive. Not to accumulate passively, but to produce actively from the resources He had prepared. The word subdue comes from kabash, meaning to bring into subjection, to bring under control, to harness something for productive use. The earth and its resources were given to human beings to be brought under productive management, not to be feared or ignored or left unharnessed. The word rule comes from radah, meaning to govern, to have dominion over, to exercise responsible authority.

These three words together describe a human being who is productive, who manages resources under responsible authority, and who governs what has been entrusted to them with the character of the God whose image they carry. That is what your relationship with God and money is supposed to look like in practice. Not poverty as a sign of holiness or wealth as a sign of God's favour. But active, responsible, productive stewardship of what God has entrusted to you, carried out with the character of the one whose image you bear.

The moment money begins to govern you, to determine your decisions, to produce anxiety that drives your daily life, it has taken the position that belongs to God. And a person who has handed that position over to money has lost something more significant than financial stability. They have lost the posture of God's regent in the earth. Psalm 82:6-7 says: 'I said, you are gods; you are all sons of the Most High. But you will die like mere mortals.' The connection in that passage is between knowing who you are as God's image bearer and living from that identity. Ignorance of that identity, of what you carry and what you were made to do, produces a life that does not reflect the dignity of the one whose image you bear.

one hand giving money to another, representing what a right relationship with God produces

What a Right Relationship With God Actually Produces in Financial Life

When your relationship with God is properly ordered, meaning He holds the first place that belongs to Him and money occupies its proper secondary position, several specific things change in how you handle financial life.

You stop making financial decisions from fear because a person whose security rests in God rather than in their account balance makes different decisions under financial pressure than a person whose security depends entirely on money. They do not compromise their integrity for a contract. They do not withhold giving because they are afraid there will not be enough and surely do not make impulsive financial decisions driven by anxiety about the future. Their foundation is not moving, so their decisions can be patient and deliberate rather than reactive.

You become genuinely useful to others. Jesus said in Matthew 5:14: 'You are the light of the world.' The Greek word used there for world is kosmos, meaning the ordered system of human society. You are the light of human society. Light does not accumulate for itself. It radiates outward and its presence changes the environment around it. A person whose relationship with God is properly ordered becomes someone whose gifts, skills, and financial decisions consistently benefit the people around them. That outward orientation is both the right expression of the image of God and the practical mechanism through which sustainable financial life is built.

You use money rather than being used by it. 1 Timothy 6:17-18 says: 'Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment. Command them to do good, to be rich in good deeds, and to be generous and willing to share.' Money in the hands of a person whose hope is in God rather than in wealth is a tool for doing good, for generosity, for extending the kingdom of God into every territory their life touches. That is what it means to be holy and wealthy. Not wealthy for the sake of accumulation but wealthy in the hands of someone whose relationship with God keeps the whole thing properly ordered.

The Order That Changes Everything

The coin Jesus held in Matthew 22 had two sides. Caesar's image on one. The principle of God's rightful claim on the other. His instruction was not to choose between them but to understand the order. Give each what belongs to it. Do not confuse the two. Do not give to money what belongs to God, and do not use God as a mechanism to get more money.

What does the Bible say about your relationship with God and money? It says that money is a created instrument made from resources God placed in the earth and entrusted to human beings who bear His image. It says that when money takes the place that belongs to God, both the person and the money are diminished. It says that when God holds His proper place and money is managed as a tool in the hands of someone whose hope and identity are properly grounded, that money becomes one of the most powerful instruments available for extending good into the world.

Solomon tested every alternative and came back to the same conclusion. Jesus named the order plainly and warned against reversing it. Paul described what money looks like in the hands of someone whose hope is in God rather than in wealth. Every thread of biblical teaching on these subject points in the same direction. Get the relationship right. Give God what belongs to God. And watch how differently money behaves in the hands of someone who has.

Common Questions About God and Money

What does the Bible say about your relationship with God and money?

Matthew 22:21 says give Caesar what is Caesar's and God what is God's. Genesis 1:27 shows that what bears God's image, meaning you, belongs to Him first. Money is a tool entrusted to someone who belongs to God, not the other way around.

Can you serve both God and money?

No. Matthew 6:24 says no one can serve two masters. The Greek word for serve there means to be a slave to. Either God's purpose directs your financial decisions, or the pursuit of money directs everything else, including your relationship with God.

What does Matthew 6:33 actually mean for financial life?

Seek first His kingdom and all these things will be given to you. When your primary orientation is toward God's purpose rather than personal accumulation, the diligence, wisdom, and generosity that follow tend to produce financial stability as a byproduct.

Why Christians Struggle With Money: The Honest Truth Nobody Preaches On Sunday

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LINK 3: Add once Article 2.6 is published: [Stewardship Versus Ownership], natural fit, links from the image of God and financial dignity section

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Written by

Wisdom Muke

Wisdom Muke

Founder & Pastor, Holy and Wealthy

Wisdom Muke is the founder and pastor behind Holy and Wealthy. As a pastor, he has watched too many faithful, tithing, praying believers go home to the same financial pressure they woke up to, not because their faith was lacking, but because nobody ever taught them the full picture. He writes and teaches from a pastoral, kingdom-first perspective, covering business, skill-building, money management, and stewardship, helping believers build wealth without losing sight of who it all belongs to. No prosperity gospel promises here, just what Scripture actually says, taught the way he teaches it from the pulpit.

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