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.