Haggai 1:6
He that earneth wages earneth wages to put it into a bag with holes.
There is a kind of financial frustration that is almost exclusive to those who follow God.
It is the frustration of a person who works hard, gives to the Lord, and still cannot seem to get ahead. The harvest never quite matches the labor. The wages disappear before the month is out. There is always more month than money. And somewhere underneath the stress is a nagging question: Why isn't God blessing this?
Haggai had a word for people who felt exactly that way.
The returned remnant of Israel wasn't lazy. They weren't godless. They were back in the land, going through the motions of religious life, and their finances were still leaking. God put His finger on the reason: their priorities were disordered. They had been so focused on their own houses that they had neglected His. And the result was a bag full of holes, labor that produced nothing lasting, wages that vanished as fast as they came.
It is worth asking whether the same diagnosis might apply closer to home.
Start with the tithe.
If you are not tithing, giving a faithful, intentional ten percent to the Lord through your local church, this is a direct and loving challenge to begin.
Not because God is in need. "For every beast of the forest is mine, and the cattle upon a thousand hills." (Psalm 50:10) He is not waiting on your contribution to balance His books. But He has ordained the tithe as an act of worship and an exercise of faith, it is a regular declaration that He is Lord over everything you earn, and He blesses the obedience of His people who take Him at His word.
In Malachi 3:10, God extends an invitation: "Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the LORD of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it."
That is the only place in Scripture where God says to His people: test Me. He is not offended by your uncertainty. He is simply calling your bluff, inviting you to step out in obedience and see what He does.
We are not under the Mosaic law. We stand under grace. But grace never lowers the bar, it lifts the heart toward it. If a tenth was the starting point for God's Old Testament people, what does it say about New Testament believers, who have seen the full revelation of Calvary, if they give less? Those who understand what Christ has done are not looking for the minimum, they are looking for ways to give more.
So let this be a straightforward challenge: tithe.
Give your tithe this Sunday. Give it next Sunday. Make it the first thing you do with what God provides, not the last. Honor Him with the firstfruits, not the remainder.
But the tithe is the beginning, not the end.
This is where I must be honest with you.
A man can tithe faithfully on Sunday and dishonor God financially the rest of the week. He can put 10% in the plate and spend the other 90% in ways that reflect no prayer, no planning, no biblical conviction whatsoever, driven by impulse, shaped by covetousness, burdened by debt he did not have to carry. And then wonder why the bag still has holes.
Here is the truth that biblical stewardship demands we recognize: the other 90% belongs to God too.
Every dollar that passes through your hands, given, spent, or saved, is the Lord's money being managed by the Lord's servant. The tithe is an act of worship. But stewardship is a whole-life conviction. It covers the budget you make or refuse to make. The debt you take on or choose to avoid. The way you spend, the discipline with which you save, and the contentment, or lack of it, that drives your financial decisions day to day.
1 Corinthians 4:2
Moreover it is required in stewards, that a man be found faithful.
God is not looking for financial success. He is looking for faithfulness. And faithfulness with money means holding all of it with an open hand, managing it with the same intentionality and prayerfulness you bring to the offering, because it all came from Him, it all belongs to Him, and you will give an account for all of it.
So here is the full challenge:
Tithe. Do it consistently, do it cheerfully, do it in faith, and trust God with the results.
And then carry that same conviction into the rest of your financial life. Build a budget. Get out of debt. Spend with purpose. Save with wisdom. Ask before every major decision: Am I being a faithful steward of what God has entrusted to me?
The goal is not a bigger bank account. The goal is a freer heart, one that holds money loosely because the question of ownership has already been settled. When you've acknowledged that it all belongs to Him, the anxiety of grasping loosens its grip. Contentment becomes possible. Generosity becomes natural.
That is what God is after. Not a portion of your paycheck. All of you, surrendered, trusting, and faithful with everything He's placed in your hands.
The windows of heaven are worth finding out about. Take Him up on it.
Questions about biblical stewardship?
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