March 2025
Heart, 9 March 2025
09 03 25 Filed in: Sermons | Master Your Money
Heart: Behavior Follows Belief
Kirk Schneemann
College First Church of God
Master Your Money
March 9, 2025
Matthew 6:19-21
Series Big Idea: We can find freedom in our finances through God’s Word.
Sermon Big Idea: Your behavior follows belief, whether it’s faith, wisdom, contentment, or stewardship.
Scripture Reading: Matthew 6:19-21
Many years ago, I woke up early in the morning with chest pains. They weren’t severe, but they were unusual. I went into the kitchen, took some Advil, and hoped the pain would subside. It did.
Hours later, I told Heather about the chest pains, and she was understandably concerned. She insisted I see a doctor, so I did. The results? I’ll share them at the end of this sermon!
Our heart is important—arguably the most vital organ in our body besides the brain. But today, we’re not talking about the physical heart. We’re talking about the heart as the center of our emotions, inner feelings, and essence.
Jesus famously said the greatest commandment is to:
"Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength." (Mark 12:30)
As we continue our series Master Your Money, the core message is simple: our behavior follows our belief. This applies to faith, wisdom, contentment, and stewardship. If you want to improve your financial life, it starts with your heart.
Jesus spoke more about money than heaven and hell combined. Sixteen of His 38 parables deal with finances. The Bible contains over 2,000 verses on money and possessions.
As I said last week, this is not a sermon about giving, nor are we launching a capital campaign. In fact, our church is financially healthy, thanks to the good stewardship of many of you. This series isn’t about what College First wants from you but rather what God wants for you.
The reality is that many of you are struggling with money, and the issue may not be your paycheck. The big idea of this series is:
We can find financial freedom through God’s Word.
And it all begins in the heart.
Rate yourself from 1 (never) to 5 (always):
Stewardship: Do I believe God owns it all?
King David declared:
"The earth is the LORD’s, and everything in it, the world, and all who live in it." (Psalm 24:1)
Yes, you worked hard for your house, your car, your whatever. Maybe you studied hard for that degree or put in extra hours at the office. But ultimately, we wouldn’t have education, jobs, or opportunities without God’s provision.
Stewardship means recognizing that we are responsible for using God’s gifts wisely. We can hoard our resources or live with open hands, allowing God to give and take away (Job 1:21).
Contentment: Do I believe what I have right now is enough?
We are alive. We have clothes, food, and one another. Most importantly, we have Jesus! He is the secret to true contentment. Paul wrote:
"I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through Him who gives me strength."(Philippians 4:11-13)
If your happiness depends on getting something, whether it’s a spouse, a car, a raise, or a million social media followers, you may be chasing an idol. Scripture warns:
"Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’" (Hebrews 13:5)
I’m fascinated by how the book of Hebrews connects contentment with God’s presence.
Faith: Do I demonstrate my faith through my finances?
Do you really trust God with everything? What faith-filled risks are you taking with your finances?
Now faith is confidence in what we hope for and assurance about what we do not see. (Hebrews 11:1)
And without faith it is impossible to please God, because anyone who comes to him must believe that he exists and that he rewards those who earnestly seek him. (Hebrews 11:16)
Last week, someone handed me an envelope of money, saying, “I believe God wants me to give this to you.” No strings attached. No request made. Just simple obedience. I don’t know if she is wealthy, but she put her faith into action, trusting God to provide.
Do you believe in God? Prove it!
"You believe that there is one God. Good! Even the demons believe that—and shudder... faith without deeds is dead." (James 2:19, 26)
We are saved by faith, not works. But our works reveal our faith.
Wisdom: Do I believe God’s wisdom is true and available?
"For where you have envy and selfish ambition, there you find disorder and every evil practice. But the wisdom that comes from heaven is first of all pure; then peace-loving, considerate, submissive, full of mercy and good fruit, impartial and sincere." (James 3:16-17)
We need to be wise with our money. Many people just spend until it’s gone…and then grab a credit card. With over 2000 verses about money in the Bible, we have access to timeless wisdom regarding finances. How do we get wisdom?
"If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you." (James 1:5)
If you want wisdom, ask. If you want faith, ask. If you want contentment, ask.
I’m grateful to the Ron Blue Institute for this picture of our heart. Our actions begin in our brain. Behavior follows belief. God can be trusted, and the truth will set us free.
We were all horrified by the images of wildfires in California recently. Have you ever thought about what you would try to save if your home was on the verge of destruction?
Our scripture reading for today is quite clear. Jesus says,
“Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. Matt. 6:19
I’ve discovered many so-called luxury items are not only unnecessary, they’re expensive…to insure, maintain, repair, and replace. What are your greatest treasures?
But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. 21 For where your treasure is, there your heart will be also. (Matt. 6:20-21)
Treasures in heaven. No insurance necessary! No shipping, no tax, no depreciation. That sounds pretty good to me!
And heaven. Think about that for a moment. Whatever you buy in this life will be useful to you for 70, 80, maybe 90 years. But heaven? How long is eternity?
Do you have treasures…or do your treasures have you?
So What?
I was relieved when the Advil helped with my chest pains. The diagnosis? Pericarditis—inflammation of the sac around my heart. I didn’t even know my heart had a sac! The doctor said to take Advil, and I’d be fine. And I was, praise God.
But our spiritual heart is even more important. I want my heart to be healthy, filled with love, courage, compassion, and generosity. I want to love God with all of it—including my financial world.
Where do you need to grow? Stewardship? Contentment? Faith? Wisdom? Ask—and tell someone. Don’t go it alone. If you don’t have a spouse, reach out to a friend for accountability.
Next week, we’ll talk about how to use money in ways that honor God. Until then, consider your next step toward a God-honoring heart regarding money.
Credits: some material from the Ron Blue Institute, some edits by ChatGPT
Kirk Schneemann
College First Church of God
Master Your Money
March 9, 2025
Matthew 6:19-21
Series Big Idea: We can find freedom in our finances through God’s Word.
Sermon Big Idea: Your behavior follows belief, whether it’s faith, wisdom, contentment, or stewardship.
Scripture Reading: Matthew 6:19-21
Many years ago, I woke up early in the morning with chest pains. They weren’t severe, but they were unusual. I went into the kitchen, took some Advil, and hoped the pain would subside. It did.
Hours later, I told Heather about the chest pains, and she was understandably concerned. She insisted I see a doctor, so I did. The results? I’ll share them at the end of this sermon!
Our heart is important—arguably the most vital organ in our body besides the brain. But today, we’re not talking about the physical heart. We’re talking about the heart as the center of our emotions, inner feelings, and essence.
Jesus famously said the greatest commandment is to:
"Love the Lord your God with all your heart and with all your soul and with all your mind and with all your strength." (Mark 12:30)
As we continue our series Master Your Money, the core message is simple: our behavior follows our belief. This applies to faith, wisdom, contentment, and stewardship. If you want to improve your financial life, it starts with your heart.
Jesus spoke more about money than heaven and hell combined. Sixteen of His 38 parables deal with finances. The Bible contains over 2,000 verses on money and possessions.
As I said last week, this is not a sermon about giving, nor are we launching a capital campaign. In fact, our church is financially healthy, thanks to the good stewardship of many of you. This series isn’t about what College First wants from you but rather what God wants for you.
The reality is that many of you are struggling with money, and the issue may not be your paycheck. The big idea of this series is:
We can find financial freedom through God’s Word.
And it all begins in the heart.
Rate yourself from 1 (never) to 5 (always):
- Stewardship: Do I believe I am a steward of my possessions and hold them with an open hand?
- Contentment: Am I content with what I have right now?
- Faith: Do I seek God’s direction in my finances and trust in His provision?
- Wisdom: Do my financial decisions align with biblical principles?
Stewardship: Do I believe God owns it all?
King David declared:
"The earth is the LORD’s, and everything in it, the world, and all who live in it." (Psalm 24:1)
Yes, you worked hard for your house, your car, your whatever. Maybe you studied hard for that degree or put in extra hours at the office. But ultimately, we wouldn’t have education, jobs, or opportunities without God’s provision.
Stewardship means recognizing that we are responsible for using God’s gifts wisely. We can hoard our resources or live with open hands, allowing God to give and take away (Job 1:21).
Contentment: Do I believe what I have right now is enough?
We are alive. We have clothes, food, and one another. Most importantly, we have Jesus! He is the secret to true contentment. Paul wrote:
"I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through Him who gives me strength."(Philippians 4:11-13)
If your happiness depends on getting something, whether it’s a spouse, a car, a raise, or a million social media followers, you may be chasing an idol. Scripture warns:
"Keep your lives free from the love of money and be content with what you have, because God has said, ‘Never will I leave you; never will I forsake you.’" (Hebrews 13:5)
I’m fascinated by how the book of Hebrews connects contentment with God’s presence.
Faith: Do I demonstrate my faith through my finances?
Do you really trust God with everything? What faith-filled risks are you taking with your finances?
Now faith is confidence in what we hope for and assurance about what we do not see. (Hebrews 11:1)
And without faith it is impossible to please God, because anyone who comes to him must believe that he exists and that he rewards those who earnestly seek him. (Hebrews 11:16)
Last week, someone handed me an envelope of money, saying, “I believe God wants me to give this to you.” No strings attached. No request made. Just simple obedience. I don’t know if she is wealthy, but she put her faith into action, trusting God to provide.
Do you believe in God? Prove it!
"You believe that there is one God. Good! Even the demons believe that—and shudder... faith without deeds is dead." (James 2:19, 26)
We are saved by faith, not works. But our works reveal our faith.
Wisdom: Do I believe God’s wisdom is true and available?
"For where you have envy and selfish ambition, there you find disorder and every evil practice. But the wisdom that comes from heaven is first of all pure; then peace-loving, considerate, submissive, full of mercy and good fruit, impartial and sincere." (James 3:16-17)
We need to be wise with our money. Many people just spend until it’s gone…and then grab a credit card. With over 2000 verses about money in the Bible, we have access to timeless wisdom regarding finances. How do we get wisdom?
"If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you." (James 1:5)
If you want wisdom, ask. If you want faith, ask. If you want contentment, ask.
I’m grateful to the Ron Blue Institute for this picture of our heart. Our actions begin in our brain. Behavior follows belief. God can be trusted, and the truth will set us free.
We were all horrified by the images of wildfires in California recently. Have you ever thought about what you would try to save if your home was on the verge of destruction?
Our scripture reading for today is quite clear. Jesus says,
“Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. Matt. 6:19
I’ve discovered many so-called luxury items are not only unnecessary, they’re expensive…to insure, maintain, repair, and replace. What are your greatest treasures?
But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. 21 For where your treasure is, there your heart will be also. (Matt. 6:20-21)
Treasures in heaven. No insurance necessary! No shipping, no tax, no depreciation. That sounds pretty good to me!
And heaven. Think about that for a moment. Whatever you buy in this life will be useful to you for 70, 80, maybe 90 years. But heaven? How long is eternity?
Do you have treasures…or do your treasures have you?
So What?
I was relieved when the Advil helped with my chest pains. The diagnosis? Pericarditis—inflammation of the sac around my heart. I didn’t even know my heart had a sac! The doctor said to take Advil, and I’d be fine. And I was, praise God.
But our spiritual heart is even more important. I want my heart to be healthy, filled with love, courage, compassion, and generosity. I want to love God with all of it—including my financial world.
Where do you need to grow? Stewardship? Contentment? Faith? Wisdom? Ask—and tell someone. Don’t go it alone. If you don’t have a spouse, reach out to a friend for accountability.
Next week, we’ll talk about how to use money in ways that honor God. Until then, consider your next step toward a God-honoring heart regarding money.
Credits: some material from the Ron Blue Institute, some edits by ChatGPT
Hope, 2 March 2025
02 03 25 Filed in: Sermons | Master Your Money
Hope: Tomorrow’s Promise
Kirk Schneemann
College First Church of God
Master Your Money
March 2, 2025
1 Timothy 6:6-10
Series Big Idea: We can find freedom in our finances through God’s Word.
Sermon Big Idea: No matter your wealth today, there is hope for tomorrow if we follow God’s wisdom.
What Comes to Mind When You Think of Money?
If you’re like most Americans, you think about money a lot. It’s nearly impossible to avoid the subject—whether it’s earning, spending, borrowing, giving, or investing. Money is the theme of countless songs. Perhaps you’ve heard some of these lyrics:
· “The best things in life are free / But you can keep 'em for the birds and bees / Now, give me money (That’s what I want)” — The Beatles
· "Money, it's a gas / Grab that cash with both hands and make a stash" — Pink Floyd
· "She works hard for the money / So you better treat her right" — Donna Summer
· "I wanna be rich / Full of love, peace, and happiness" — Calloway
· "Take this job and shove it / I ain't workin' here no more" — Johnny Paycheck
Let me clarify: This is not a sermon about giving, nor are we launching a capital campaign. In fact, our church is doing well financially, thanks to the good stewardship of many of you. This series is not about what College First wants from you but rather what God wants for you.
Money is a complex subject encompassing earning, saving, borrowing, spending, and investing. The central theme of this series is simple:
We can find freedom in our finances through God’s Word.
Everything is spiritual—including our finances. Though often considered a private topic, we’re going there! After all, Jesus spoke more about money than heaven and hell combined. Sixteen of His 38 parables deal with finances. The Bible contains over 2,000 verses on money and possessions. That’s right—2,000!
I’m not here to replace your CPA, bank officer, or tax preparer, but I do want to point you to timeless biblical truths and practical principles to help you grow in your love for God and others. That’s discipleship.
The first question God asks in the Bible is, “Where are you?” As we begin this series, take a moment to reflect on where you stand financially.
Struggling – Surviving – Stable – Secure – Surplus
Here are a few financial benchmarks:
· The median household income in the U.S. is about $75,000 per year.
· The average personal income is around $59,000 per year.
· 57% of Americans have less than $1,000 in savings.
· 22% have no emergency savings at all.
· The average credit card debt per person is $6,000.
· The average mortgage debt is $250,000 per household.
· The average student loan borrower owes $37,000.
· The average auto loan debt is $23,000.
· The top 10% of Americans hold 70% of the nation’s wealth.
According to VisualCapitalist.com:
· If you make $125,000 per year, you are in the wealthiest 1% in the world.
· If you make $40,000 per year, you are in the top 10% globally.
· If you own one egg, you can consider yourself a millionaire!
The Challenge of Contentment
No matter where you find yourself today, there is hope for your financial future. The goal is not for you to acquire and hoard wealth, but rather to have a godly relationship with money that allows you to flourish and bless others. As you will hear me say repeatedly,
Everything we have belongs to God. We are His stewards.
King David asked,
“But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” (1 Chronicles 29:14)
Since everything belongs to God—our bank accounts, homes, cars, bodies, and retirement funds—one day, we will give an account for how we managed these resources.
Paul, in his letter to Timothy, warns about the dangers of loving money:
“But godliness with contentment is great gain.” (1 Timothy 6:6)
Contentment is what drives the entire advertising industry…or rather making you discontent. Are you godly today? Are you content?
“For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that.” (1 Timothy 6:7-8)
This morning, we all have food and clothing. This cannot be said about all 8 billion people on our planet, tragically. They are all our global neighbors who need our love, but today we have our basic needs met, thanks be to God.
Yet, the Money Monster constantly whispers, “More! Better! Now!” It wages war against contentment. But God wants us to be content.
“Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction.” (1 Timothy 6:9)
How much is enough? A billionaire once answered, “Just a little bit more.” That’s the Money Monster!
“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” (1 Timothy 6:10)
This verse is often misquoted. Money itself is not evil, but the love of money can lead to all kinds of problems. Anything we desire more than God becomes an idol—including money, fame, power, or even family.
Do you have money…or does your money have you?
Money can be an idol, causing stress, anxiety, and broken relationships. But it doesn’t have to be that way. We can find financial freedom through God’s Word.
Money is a tool. It can be a blessing or a curse. It can be an idol or a way to worship. The amount you have is not as important as your attitude toward it. Our money says, “In God We Trust” and, ironically, we often trust money more than God.
In a different letter we’ll look at next week, Paul writes,
“I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.” (Philippians 4:11b-13)
Contentment does not come from stuff—it comes from the Lord. Count your blessings, not just your cash! Everything we have belongs to God. We are His stewards.
So What?
Proverbs offers this profound prayer:
“Two things I ask of you, LORD; do not refuse me before I die: Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread.” (Proverbs 30:7-8)
This reminds me of Goldilocks—not too little, not too much—just right. Daily bread. Can you think of someone else who prayed for daily bread?
“Otherwise, I may have too much and disown you and say, ‘Who is the LORD?’ Or I may become poor and steal, and so dishonor the name of my God.” (Proverbs 30:9)
Where are you financially?
Struggling – Surviving – Stable – Secure – Surplus
No matter your current situation, there is hope if we follow God’s wisdom.
Credits: some material from the Ron Blue Institute.
Kirk Schneemann
College First Church of God
Master Your Money
March 2, 2025
1 Timothy 6:6-10
Series Big Idea: We can find freedom in our finances through God’s Word.
Sermon Big Idea: No matter your wealth today, there is hope for tomorrow if we follow God’s wisdom.
What Comes to Mind When You Think of Money?
If you’re like most Americans, you think about money a lot. It’s nearly impossible to avoid the subject—whether it’s earning, spending, borrowing, giving, or investing. Money is the theme of countless songs. Perhaps you’ve heard some of these lyrics:
· “The best things in life are free / But you can keep 'em for the birds and bees / Now, give me money (That’s what I want)” — The Beatles
· "Money, it's a gas / Grab that cash with both hands and make a stash" — Pink Floyd
· "She works hard for the money / So you better treat her right" — Donna Summer
· "I wanna be rich / Full of love, peace, and happiness" — Calloway
· "Take this job and shove it / I ain't workin' here no more" — Johnny Paycheck
Let me clarify: This is not a sermon about giving, nor are we launching a capital campaign. In fact, our church is doing well financially, thanks to the good stewardship of many of you. This series is not about what College First wants from you but rather what God wants for you.
Money is a complex subject encompassing earning, saving, borrowing, spending, and investing. The central theme of this series is simple:
We can find freedom in our finances through God’s Word.
Everything is spiritual—including our finances. Though often considered a private topic, we’re going there! After all, Jesus spoke more about money than heaven and hell combined. Sixteen of His 38 parables deal with finances. The Bible contains over 2,000 verses on money and possessions. That’s right—2,000!
I’m not here to replace your CPA, bank officer, or tax preparer, but I do want to point you to timeless biblical truths and practical principles to help you grow in your love for God and others. That’s discipleship.
The first question God asks in the Bible is, “Where are you?” As we begin this series, take a moment to reflect on where you stand financially.
Struggling – Surviving – Stable – Secure – Surplus
Here are a few financial benchmarks:
· The median household income in the U.S. is about $75,000 per year.
· The average personal income is around $59,000 per year.
· 57% of Americans have less than $1,000 in savings.
· 22% have no emergency savings at all.
· The average credit card debt per person is $6,000.
· The average mortgage debt is $250,000 per household.
· The average student loan borrower owes $37,000.
· The average auto loan debt is $23,000.
· The top 10% of Americans hold 70% of the nation’s wealth.
According to VisualCapitalist.com:
· If you make $125,000 per year, you are in the wealthiest 1% in the world.
· If you make $40,000 per year, you are in the top 10% globally.
· If you own one egg, you can consider yourself a millionaire!
The Challenge of Contentment
No matter where you find yourself today, there is hope for your financial future. The goal is not for you to acquire and hoard wealth, but rather to have a godly relationship with money that allows you to flourish and bless others. As you will hear me say repeatedly,
Everything we have belongs to God. We are His stewards.
King David asked,
“But who am I, and who are my people, that we should be able to give as generously as this? Everything comes from you, and we have given you only what comes from your hand.” (1 Chronicles 29:14)
Since everything belongs to God—our bank accounts, homes, cars, bodies, and retirement funds—one day, we will give an account for how we managed these resources.
Paul, in his letter to Timothy, warns about the dangers of loving money:
“But godliness with contentment is great gain.” (1 Timothy 6:6)
Contentment is what drives the entire advertising industry…or rather making you discontent. Are you godly today? Are you content?
“For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that.” (1 Timothy 6:7-8)
This morning, we all have food and clothing. This cannot be said about all 8 billion people on our planet, tragically. They are all our global neighbors who need our love, but today we have our basic needs met, thanks be to God.
Yet, the Money Monster constantly whispers, “More! Better! Now!” It wages war against contentment. But God wants us to be content.
“Those who want to get rich fall into temptation and a trap and into many foolish and harmful desires that plunge people into ruin and destruction.” (1 Timothy 6:9)
How much is enough? A billionaire once answered, “Just a little bit more.” That’s the Money Monster!
“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.” (1 Timothy 6:10)
This verse is often misquoted. Money itself is not evil, but the love of money can lead to all kinds of problems. Anything we desire more than God becomes an idol—including money, fame, power, or even family.
Do you have money…or does your money have you?
Money can be an idol, causing stress, anxiety, and broken relationships. But it doesn’t have to be that way. We can find financial freedom through God’s Word.
Money is a tool. It can be a blessing or a curse. It can be an idol or a way to worship. The amount you have is not as important as your attitude toward it. Our money says, “In God We Trust” and, ironically, we often trust money more than God.
In a different letter we’ll look at next week, Paul writes,
“I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.” (Philippians 4:11b-13)
Contentment does not come from stuff—it comes from the Lord. Count your blessings, not just your cash! Everything we have belongs to God. We are His stewards.
So What?
Proverbs offers this profound prayer:
“Two things I ask of you, LORD; do not refuse me before I die: Keep falsehood and lies far from me; give me neither poverty nor riches, but give me only my daily bread.” (Proverbs 30:7-8)
This reminds me of Goldilocks—not too little, not too much—just right. Daily bread. Can you think of someone else who prayed for daily bread?
“Otherwise, I may have too much and disown you and say, ‘Who is the LORD?’ Or I may become poor and steal, and so dishonor the name of my God.” (Proverbs 30:9)
Where are you financially?
Struggling – Surviving – Stable – Secure – Surplus
No matter your current situation, there is hope if we follow God’s wisdom.
Credits: some material from the Ron Blue Institute.