I have recently been reading material to help me get a better grasp on what biblical giving looks like in modern economic times.
When I read the Old Testament, I find God's people bringing offerings that often look very different from what we see today. They brought grain offerings, firstfruits, livestock, produce from their fields, and various other sacrifices. Their giving reflected the way they earned a living and the resources God had entrusted to them.
That raises an interesting question: What does biblical stewardship look like in today's world?
As I studied this subject, I came across a resource that identified three primary "pockets" from which believers give today. The concept challenged me because most Christians are familiar with one of these pockets but rarely consider the other two. I wanted to pass this thought along because it is something worth contemplating, praying about, and engaging in as faithful stewards of God's blessings.
The principle is simple: everything God entrusts to us is meant to be stewarded for His glory.
Psalm 24:1
The earth is the Lord's, and the fulness thereof; the world, and they that dwell therein.
We are not owners. We are stewards.
God blesses His children not merely so they can possess resources, but so they can manage those resources in a way that honors Him. The purpose of blessing is that it is stewarded by God's children for His glory.
1) The Earned Income Pocket
This is the pocket most of us immediately think about when the subject of giving arises.
Earned income is the money we receive through our labor—our paycheck, salary, wages, commissions, or business income.
For many believers, faithful stewardship begins here. As God provides through our work, we return a portion to Him through regular, cheerful, and sacrificial giving. When we place an offering in the plate, support missions, or give toward a ministry need, we are often giving from our earned income pocket.
This type of giving is important, biblical, and should be practiced consistently. Yet it is only one aspect of stewardship.
2) The Capital Pocket
The capital pocket includes assets that have accumulated over time. These may include savings accounts, investments, stocks, retirement funds, real estate, land, business interests, valuable collections, or other resources God has entrusted to us.
Many believers carefully consider giving from their income while never considering how God might use their accumulated assets.
Throughout Scripture, God's people gave not only from what they earned, but also from what they possessed. There are seasons when God may lead a believer to use a portion of their savings to advance a ministry project, support a missionary, assist a family in need, or invest in a kingdom opportunity.
The question becomes: Are our assets serving God's purposes, or are they simply sitting idle?
The capital pocket reminds us that stewardship extends beyond our weekly paycheck.
3) The Estate Pocket
The estate pocket concerns what happens to our resources after we enter eternity.
Every believer will one day leave behind possessions, property, investments, and accumulated wealth. Most people spend considerable time planning how those assets will be distributed among family members. Yet few consider how their final act of stewardship can impact the work of God.
One statement I encountered that every believer should consider including in their will is this:
"After all my bills are paid, I want 10 percent of my estate (a tithe) to go to ______ Church."
What a powerful testimony of stewardship.
Estate giving is not about neglecting family responsibilities. Rather, it is recognizing that everything belongs to God and intentionally including His work in our final plans.
For some believers, this may involve leaving a percentage of their estate to their local church. For others, it may include missionaries, Christian schools, camps, or ministries that have played a significant role in their spiritual lives.
Estate planning allows us to continue investing in God's work even after we have gone home to be with the Lord.
A Stewardship Mindset
When most people hear a message about giving, they immediately think about what is in their wallet or checking account. Yet biblical stewardship is much broader than that.
God has entrusted us with income.
God has entrusted us with assets.
God has entrusted us with an estate.
Each of these represents an opportunity to honor Him.
The goal is not simply to give more. The goal is to recognize that everything belongs to God and to ask, Lord, how would You have me steward what You have entrusted to me?
Whether from our earned income, our accumulated capital, or our eventual estate, every gift becomes an opportunity to invest in something that will outlast this world.
After all, we cannot take any of it with us—but we can use it now and direct it wisely so that it continues to bring glory to God long after we are gone.
These are simply a few thoughts from my recent reading. I am thankful to be part of a church that is sensitive to the Lord and gives in a way that honors Him.
God Bless, Pastor Braley
Highlighted Reading:
Not Your Parent’s Offering Plate by Cliff Christopher & Mike Slaughter
As with any book outside of Scripture, Pastor Braley does not endorse every view or conclusion the author presents. The Bible alone is our final and infallible authority — Scripture alone holds that distinction.
















