Skip to content Teach Them to Manage Their Wealth Wisely, Part 2 Dec 16 · 27 min ...more
Teach Them to Manage Their Wealth Wisely, Part 2
December 16, 2025 · 27 min
When it comes to gifts, who doesn’t like getting cash? How do we teach our children how to manage their money in a way that honors God? Chip gets very practical as we look at how to manage our money.
Series Leaving a Legacy that Lasts Forever December 16, 2025 · 27 min · Leaving a Legacy that Lasts Forever
When it comes to gifts, who doesn’t like getting cash? How do we teach our children how to manage their money in a way that honors God? Chip gets very practical as we look at how to manage our money. ...more Show the full description Show less When it comes to gifts, who doesn’t like getting cash? How do we teach our children how to manage their money in a way that honors God? Chip gets very practical as we look at how to manage our money.
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Chip Ingram is an American Christian pastor, author, and teacher. He is the founder, teaching pastor and CEO of Living on the Edge, an international teaching and discipleship ministry.
618K followers
Money Reveals Your Heart: Biblical Models of Stewardship 0:01 Today on Living on the Edge with Chip Ingram.0:04 If there's 1 area people are struggling with right now, it's money. What does God say about money? I mean, I'm not talking about the giving side. I'm talking about just0:16 money in general. How do you handle it? How do you work your money in such a way where your life works? That's today.0:26 Wanna know what truly matters to you? Well, just check your bank statement. For the Bible believing Christian, we know this is important. After all, Jesus taught more about money than heaven and hell combined because0:38 our finances reveal everything. Well, today on Living on the Edge Chipping Room poses penetrating questions that most Christians avoid. In this study, he exposes how wealth deceives even0:50 sincere believers, and he reveals practical ways to teach those you love to manage money as God's stewards, discovering freedom, joy, and eternal impact along the way. I'm1:01 pleased to report that our audience is already displaying giving hearts because we're receiving a generous outpouring to the December match. Remember, every dollar you give will be matched dollar for1:13 dollar until December 30 first. We'll give more details later on so that you can double your gift as well. But right now, let's continue Chip's message called teach them to manage their wealth wisely.1:25 My money reveals my priorities. My money reveals my values. My money reveals where my heart is. Imagine if you will your wallet or your 4 0 1 k or your black credit card that you own1:37 or your purse. Imagine a chain connected to that into your heart. And wherever that money goes, that's where that's the real reflection of my heart. Let me give you a picture, and then I'm gonna give you practical ways1:48 to pass this on. The 2 pictures are 1, if you ever wanna read about a man, 1 of my most favorite characters is Nehemiah in the old testament and Barnabas in the new.2:00 And the story of Nehemiah very briefly is he's the right hand man to the most powerful man in the world. Basically, Nehemiah has the hottest chariot, the greatest clothes, the most money, the best food. He2:12 is a person of great influence and affluence. He's filthy rich, and he lives in a palace and doesn't feel guilty about it. He's got a Rolex under.2:23 God deposited that in Nehemiah for a window of opportunity. And he wasn't a prophet, and he wasn't a pastor. And if you studied all of2:35 God's agenda for his people, you would find out that man was the linchpin between all of God's prophecy going in the tubes and Israel being restored.2:48 He sent Ezra back, it didn't work. He sent Zerubbabel back to rebuild. It wasn't until Nehemiah, the business guy, the guy with position, the guy with power, the guy with leadership gift who could2:59 mobilize everyone to turn everything around. Stewardship isn't feeling guilty for having money and position and power and brains. Stewardship is understanding it's not3:11 yours. All all you get is a verse that's hard to live with. To them much given, much is required. And so when you make a lot of money and say I tithe, God is3:23 not impressed nor is anyone else. I mean, how hard is it to tithe when you're 6 figures or 7 figures or beyond? Most generous people in the world right now are the poor.3:35 And when things go down, the people who stop giving first by all the research is us rich. And and Nehemiah, he's this model of what it looks like to be godly and to be wealthy and to be3:47 generous. In fact, he decided, no no personal expenses for me. Barnabas is another 1, very wealthy man. He owned property on Cyprus. He was the key. We would have never heard of the3:59 apostle Paul if it wasn't for Barnabas. Barnabas was the 1 who had the courage to say, hey, he's legit, guys. I mean, he really is a Christian. I know he's been killing all the Christians, but I've seen him. I've met4:09 him. He's legit. And he introduces Paul to the 12. And then when Christianity launches into the gentile world, they say, Barnabas is a leader in the church. Barnabas, we want you4:21 to go down there and disciple those new gentiles. And the text says in Acts, so he went down to Paul's hometown, gets Paul, and says, hey. Let's partner on this thing. The first missionary journey. Read the text. It's4:33 not Paul and Barnabas. It's Barnabas and Paul. Until you keep reading, and then it's Paul and Barnabas. He was a wealthy man who had leadership gift, who God4:45 used. It's a stewardship. It's a stewardship. God has given you what he wants you to have, and he wants you to manage your money as a steward. Biggest lesson I learned all this, and it's a picture,A Lesson in Stewardship: Managing Another's Resources 4:57 and it'll help the rest play out. I was a young pastor and, 28 years old, had no idea what I was doing. I've been through the para church, so I knew how to make disciples, and I was learning how to teach. And after a5:08 couple years, the chairman of our board, he owned a CPA firm in downtown, Dallas. And he said, you know something? You're we're out in a rural area. You're connected to all these hurting people.5:20 And I have a heart for the poor and I have a heart for people with needs. You have opportunity. I have money. And he said, I want you to come down and let's eat lunch together. So I end up, you know, in this high rise5:30 beautiful place, you know, really nervous going up to the something something floor. We have a great lunch, and then he pulls out a a little brown checkbook, and he puts it and he says, Chip, this is for you. I said,5:41 what is it? He says, I'd like you to be my money manager. So what do you mean? He said, well, you're a pastor. You know, where the church is at, there's a lot of hurting people and poor people, runaway teens, all kind of5:52 struggles. I put 5000 dollars in that account, and it says pastor's discretionary fund. Now here's what I want you to do. Once a quarter or at least, you know, 3 times a year, I'm gonna bring you here, and we're gonna6:04 have lunch together. But I want you to take this, and I want you to stick it in your back pocket. And I want you to just think, John Savile is in my back pocket. But Chip Ingram has the eyes, and Chip Ingram is meeting6:16 the people. So every day, I want you to get up. And as you get up, you might see someone that has a need or someone needs a bus ticket or someone's electricity needs to be put on or and and I just want you to pray. And6:26 whatever you think God would have you do with this money, in my name, will you take care of it? I mean, he's chairman of the board. Yes. I'm thinking, I don't know what I'm6:38 doing. I'm I'm thinking this is maybe not be a good deal. I'm gonna mess up. And so anyway, I take it and I'm real nervous and like so about I lost my keys, like, 5000 times until I was 29. And6:50 I then it took me 29 years, and I decided right when I stand in the door, my keys, my wallet, and everything in 1 little pile. Okay? It's this amazing thing that I learned. And then I started putting that checkbook7:02 with it. So every day, everywhere I went, John, John, John. What would John wanna do? So this lady, they're turning off her thing and I qualified it and it was a real need and I write a check and I pay her electricity.7:12 And then there's this kid's runaway from home from Oklahoma and he's been on drugs and I know I'm not gonna give him money. So I buy him a, a ticket for the bus and I do some counseling with him and I get a Bible on his7:22 hands. And so then, you know, 4 months later, John says, Chip, let's have lunch. And so John is very quiet introvert, but with the gift of evangelism. So he says, tell me what happened. And so I said, well, here's your7:33 checkbook. And so there was about 4 entries, and I've written 4 checks. Tell me about this 1. I tell him a story. And I mean, this is exclusive restaurant, top, you know, level, real, you know, I'm very intimidated. And7:43 so I tell him the story, praise the Lord. I'm going, oh, John. Oh, man. You dude, you are killing me. I mean, this is not you know, you know, tell me another another story. So I would tell him these stories, and he would7:54 say praise the lord in very loud words. And and so we did this. And we did this for, like, 7 years. And then I would give it8:06 away, and then I would get then I would notice I'd get my bank slip. Oh, I guess someone put another 5000 dollars in. No matter how much I gave away, and as I told stories, the money just kept as I gave, it kept put8:18 being put in. Now here's there's a number of lessons here. 1, John and I became really close friends. I brought unbelievable joy to his heart. I got to8:30 help people in ways I never dreamed I'd get to. In fact, it got from this burden to, you know, it's kinda here's my keys, here's my wallet. John, wonder what we're gonna do today, baby. You know? I mean, just kinda who8:40 who you know, you know, you just wonder who you're gonna bless. I felt like Santa Claus sometimes. You know? Now I knew I was gonna give an account for it, and I'm not real detail oriented, so I'm keeping his checkbook8:51 better than mine. Why? Because I'm gonna go talk to him. Right? And I can't it can't first, nothing can bounce, but the other is I actually need to add it upright. Why?9:04 Because it's his money, not mine. I'm his steward. I brought joy to his heart. Our hearts connected because I managed his resources. And I9:16 wasn't asking who do I think I should help. I was asking, I wonder I mean, I you know, I'm not stupid. If I gotta really praise the Lord and that was a really great 1, I'm giving more money to that9:28 stuff. And if it's, oh, that's nice, Chip. I'm not gonna give as much money to that stuff. Right? Because it's his money. You are God's money manager.9:41 And 1 of the most powerful, important gifts that you'll pass on to those you love the most, those first in your home, kids, those you disciple, later grandkids for9:53 some of you, fellow church members, is to help them manage their wealth wisely. Now I wanna shift gears and say, how?Practical Wisdom: Teaching Generous Stewardship 10:05 What would that look like specifically? Now there's, you know, Dave Ramsey, Crown Ministry, lots of people that go in-depth on these10:17 areas and can give you 10 times what I'm gonna give you. I'm gonna give you the mountain peak summary of what I think you need to pass on, and then there's tons of great resources to get you there.10:29 How are you managing your wealth currently? If if God gave you a report card on how you're presently managing your wealth in light of what you've heard from his10:40 word, would you get a a, a b, a c, a d, or an f? Because you can't pass on what you don't have in10:52 you. You can't ask those people you're helping to do what we're gonna talk about if it's not true of you. And even if you never talk to them about it, if you actually do it,11:04 they'll catch tons of it from you. So where where are you at?11:10 We'll hear more from Chip Ingram's message in just a moment. First, we're inviting you to multiply your year end donation through an exciting match that's active right now. Because of the match, your donation will be11:22 matched dollar for dollar in the month of December.11:25 And when you support this match, you're not funding yesterday's methods. You're investing in a discipleship strategy that actually reaches the smartphone generation right where they are.11:37 Will you give to the next generation? Double the impact of your gift at living on the edge dot org. From a series called leaving a legacy that lasts forever. Again, our bible11:49 teacher, Chip Ingram.11:51 What I know is, since, in the, quote, born again evangelical community, the average believer gives 2.5 percent of their income to the Lord's12:02 work. That saying to God, I don't really believe your word. I don't trust you for the future. I think it's my money, and I'm gonna do with my12:14 money what I think. And what I think God would say if he could speak through doctor Phil, So how's that working for you?12:26 I I mean I mean, people are upside down. There's huge debt. They live above their means. See, when you give God the first portion, as we'll talk about in the middle, it it just causes a domino effect of, wow,12:38 what are we gonna do with the rest, and how do we do it? And there is there is a correlation of God blessing. Okay? There's been some real misteaching, and some bad teaching, and some heretical teaching12:50 about, you know, sorta how money and God and those things go together. There is no give to get mentality. But I will tell you this, when your priorities are in line, and God13:02 can find what I think some people wisely have called a stream instead of a dam, then he will keep placing resources in people whose hearts are tender to spread it and give it13:14 to the places that he wants it. You who water others will yourself be watered according to scripture. And when our finances are in order, you know, read Habakkuk chapter13:25 1, the first 10 verses. He'll put a hole in your purse. He'll blow on your business deals. I mean, until God uses money to align our hearts with him. And when13:37 our priorities are out of whack, I will tell you, he will you know, you keep working harder, but it seems to come to nothing, he says. He he will allow your financial situation13:49 to get you to a point of dependency where you say, you know something? I better I better get this aligned correctly. And then there's just very often the correlation as you do that. He chooses to14:01 bless in that area as well as others. Well, personal application. Now let's talk about how to help those to pass it on. 1, help them recognize the 3 purposes of money14:13 are giving, saving, and spending. And if there's you know, I don't know if you ever memorize scripture, and if you don't, I encourage you to. But if there's ever a little passage singular, if you could only pass 114:24 passage on money, I would memorize, first Timothy 6 17 through 19. And it says it says, encourage those that are rich in this present world not to be conceded or fix their hope on the uncertainty of14:36 riches. As they're uncertain, aren't they? And so it's a protection. God's not down on money. Encourage those that are rich in this present world, that's us, not to fix your hope on the uncertainty of riches. Oh, we're14:46 gonna do this when this happens. But on God who richly supplies us with all things to enjoy. So there's 3 things you do with money. You can give it. You can save it. You can spend it. If you grew up14:58 in my home, there were 3 jars on your dresser. And on 1 jar, it said giving. Another said spending. Another said saving. And since, yes, there's proportional giving, and we'll learn all15:10 about that later, but you get 10 dimes. 1 dime goes into the giving jar. 1 dime goes into the saving jar, and 8 of them go into the spending jar. And you can dream and think and pray about what you wanna do to spend with15:22 that. And remember that all 10 of those dimes are God's. Right? Because we give it to that 1 first. And by the way, you need to be smart, so make sure you save. Americans don't save, and Americans don't give. And I15:33 think I don't even need to talk about where we're at financially as a country. We've modeled it from the home through the federal government, and we're in a mess. You can't violate God's principles with a15:45 lot of pain. So that's a big 1. Second, encourage them to commit to honor God with the first fruits of every paycheck to remind them that it's God's money and not15:57 their own. Proverbs chapter, 3 verses 9 and 10 says, honor the Lord with your first fruits.16:09 Give God the very first portion and then the promises, then your barns will be filled with plenty and your vats where they would create kind of the wine and the picture of overflow will be16:21 overflowing. And so you wanna you wanna teach them early on and and not so much the the rule, the rigidity. This is not like, okay, you gotta pay your bills. Bill, bill, bill, bill, God, 10 percent. You know?16:33 No. No. No. No. You wanna teach him the heart behind it and your love for God. And you and I think when they get older, you wanna you teach him the how do you give over and above that? How do you become a generous16:43 person? You know, the word miserable comes from a root word. Do you know what the root word is? Miser. I mean, I I've I've done a lot of work. We did a series on the genius of generosity. I did16:55 a lot of work and research on just generous people. Forget Christians, just generous people. Generous people live longer. Generous people are happier. Generous people have better relationships. Generous people17:07 are liked by other people. Generous people have an emotional altitude that's better than the rest of us. The most generous being in the entire universe is God. He gave his son. So17:18 you wanna be generous. You wanna be winsomely generous. Miserly people, stingy people, the the Scrooges of the world don't have as many friends. They're always worried about someone taking their17:30 stuff. They have higher levels of anxiety. They're not very happy campers, and they try and control everything. Giving breaks the power of greed, and all of us in our flesh are greedy people. We all17:42 are. So giving is a is a tool given by God not to take something from us, but to help us remember look. Hey. Chip, it's not your checkbook. It's not your money. That's John's.17:54 Spend John's money or give John's money in a way that makes John happy. And by the way, you know, I didn't tell you this, but there was a time we were in a little small church, and, they had the gift of not paying me18:05 much at all. In fact, I worked part time in seminary and made more money than when I pastored the church. And there was a time where we really had a need. And, John was asking me some questions at what of18:17 our lunch? And I forget, it was a washer, a dryer, you know, some big thing that for us was like astronomical. And he was praising the Lord, everything. And then he asked me about me. And I I told him,18:29 he goes, give me that checkbook. You know? So he takes his checkbook. He writes out a check to me. He goes, hey. You're the guy. Sign this 1. It's in your name. See see, the whole deal is God doesn't want18:41 he's not trying to get your stuff. He loves you. He's for you. But he he wants to free you. And so pass on. Encourage him to honor18:53 God with the first fruits. 3, make time with God their number 1 priority, so they know how to invest their time, talent, and treasure that's entrusted to them.19:05 I've had seminary professors. I got to learn 3 years of Greek and 2 years of Hebrew. And I've had business guys who know so much more. They've taken me under their wing. The greatest gift God has ever given me in19:17 all my life that's paid the biggest dividends was from a bricklayer with a high school education, who met me on Tuesday mornings when I was a Christian about 3 or 4 months old. I didn't wanna get up. I didn't wanna go to19:28 church. And sometimes, I pretended I was asleep. And he would knock on the door. And I just got I'm just I'm just not getting up. But the next Tuesday, he'd knock on the door.19:40 And I was a reluctant learner. And I will tell you what that man did is that he would open the bible and we would go into the little kitchenette on the floor, and we would read the bible together, and he taught me to19:50 meet with God. He taught me no bible, no breakfast. Not legalistically, but Chip, feed your soul before you feed your mouth. Chip, do you understand this is the living and abiding20:02 word of God? Chip, do you understand the wisdom of God has been deposited here? You can know what to do in any situation. Chip, do you understand? David said, If his word had not been my delight,20:14 he would have perished in his affliction. Chip, this is your anchor. God will speak to you. The God who made everything there is, there is power. It's a living and active and sharper than a 2 edged sword. It pierces as20:25 far as the division of soul and spirit. And it cuts through the division of right down to the core of who you are. It will reveal things to you. It'll show you how to do marriage, how to parent, how to live. Chip, this20:35 is the most important thing. It is your life. And a little habit got started a couple days a week, then finally I do it 4 or 5 days a week. And then after about 4 or 5 years, it became20:47 not just drudgery and duty, but, gosh, God's speaking to me more often. And I didn't like to get up. I was a night owl. And years later, I remember just saying, God, this is21:00 you just wake me up whenever. And I stopped watching the 11 o'clock news. And God started waking me up earlier and earlier. And, not I didn't have felt like if I missed my time, I didn't think God was mad at21:11 me. Or I just knew that I made a great cup of coffee, and I got into a habit for about 25 years of meeting with God, getting out a journal, sharing my concerns, asking my biggest questions, reading His21:23 Word, asking Him for wisdom, sitting quietly and hearing answers. Mark 1 35 says, on after recording the busiest day of Jesus' life, He was pressed,21:35 There was demands. I mean, some of you right now and it's like, this is overwhelming and there's money issues and wisdom issues. And what am I gonna do here? And I've got this 1 son and some of my kids are already grown.21:44 Or I don't have any kids and I'm trying to help this guy. Or I'm in this women's group and these 3 ladies are coming to my mind and I'm not sure what to do with all of this. Stop. And the greatest thing you can do21:56 is say, God, I want your discernment and your wisdom, and I'm gonna meet with you first. And it says after this demanding day of teaching and preaching and healing and casting out demons and everybody22:08 wanting a piece of Jesus, I mean, I mean, I think he felt like I think his emotions were if he were today, he opened up his his computer and there was 500 emails. And then he looked at his PDA and there's 15022:20 phone calls. And there's people knocking at the door, and the people closest to him said, by the way, by the way, by the way, this we think you ought to do this. I think that's the emotion he felt. And it says, a great22:30 while before dawn, he went to a lonely place to get alone with his father and pray. Sometimes we're asking people to solve stuff or a book to solve22:41 stuff. God wants to solve it. And if you will do that and model that, that's what you want to pass on. You wanna pass that on to those you love the most. Life's message22:53 is your life is a sacred stewardship. It's sacred. There is a creator who owns everything.23:06 And you are a creature. He is the master, and we are the servant.23:16 This is Living on the Edge with Chip Ingram. He's been showing us how to teach our families about managing wealth with wisdom, and this teaching comes from the series called Leaving a Legacy That Lasts Forever,23:28 How to Give Your Kids and Grandkids What Money Can't Buy. Please stay with us because Chip has an important word about the next generation coming up in just a moment. Well, Living on the Edge is celebrating23:40 30 years of god's faithfulness, and what started as 1 man's ministry on radio has blossomed into a full blown movement of god. Last year alone, this daily program has been listened to more23:52 than 100000000 times. It's staggering to see what God has done through his people. And today, our heart longs to reach the next generation with the timeless wisdom of the Bible, providing24:03 those young men and women with honest answers to tough questions.24:08 Chip? Picture this. It's 2 AM, and a mom can't sleep. Her daughter has just come home from her first semester college. And over dinner earlier in the day, she just casually mentioned24:19 that she's deconstructing her faith. The mom's mind is racing as she looks at the digital clock. Where did I go wrong? What do I say? How can I help her without pushing her away?24:31 Well, I want you to know Living on the Edge has heard that story from a lot of people, and we've become a lifeline for parents and grandparents in that exact situation. We're providing moms and dads with tools and24:43 language and a biblical framework to help meaningful conversations with their kids about doubt and faith and truth. We did a series where we interview people like Rebecca McLaughlin or24:55 Sean McDowell, or we have teaching and resources about how to actually start conversations when your kids start down that path without pushing them away. Your gift to this match doesn't just reach the25:07 next generation directly. It equips parents to become spiritual leaders with their kids that are in desperate need. Would you help us reach the next generation by equipping moms and dads25:19 who can literally talk to their kids in a way that makes sense, that's biblical, that's winsome, that's kind, and doesn't compromise the truth? You can25:29 respond to Chip right now by giving online at living on the edge dot org or call this number, triple 8 3 3 3 6 0 0 3. Our collective gifts to Living on the25:41 Edge will accelerate the launch of critical new initiatives to reach a skeptical generation with the truth of the gospel. Together, let's make an impact by giving generously to the match that's active25:53 right now. Double the size and impact of your donation. To send your support in the mail, address your envelope to Living on the Edge, PO box 3007, Atlanta, Georgia 326:05 0 0 2 4. You can also call triple 8 3 3 3 6 0 0 3, or visit us online at living on the edge dot org. How do we26:17 instill wisdom in our kids and grandkids? I'm Dave Drewey inviting you to hear Chip Ingram provide a biblical answer tomorrow on Living on the Edge.In this video 0:00 Money Reveals Your Heart: Biblical Models of Stewardship4:54 A Lesson in Stewardship: Managing Another's Resources10:02 Practical Wisdom: Teaching Generous Stewardship25:00
Prayer That Brings Revival, Part 2 Chip Ingram
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