Tags: Building Wealth with Wisdom, Faithful Finances, CPA financial advice, Christian money management, Biblical stewardship
In a world that glorifies sudden riches, get-rich-quick schemes, and financial shortcuts, the believer must pause and ask: What does it truly mean to build wealth with wisdom? As a Certified Public Accountant who grounds his work and life in the eternal truths of the King James Bible, I want to share insights on how Christians can manage their finances with faith, prudence, and purpose.
Many people think wealth is merely about the numbers—figures that swell a bank account, profits that multiply. But Biblical wealth is so much deeper. It is about stewardship. It is about faithfulness. It is about using the resources God entrusts to us for His glory and the good of others.
Proverbs 3:9–10 KJV instructs us: “Honour the LORD with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.”
What does this look like practically for modern believers? Let’s walk through the pillars of faithful finances from the perspective of both Scripture and sound accounting principles.
1. Know the Source: Wealth Comes from God
First, remember that everything we have comes from the hand of the Lord. Deuteronomy 8:18 KJV says, “But thou shalt remember the LORD thy God: for it is he that giveth thee power to get wealth…”
This truth should instantly humble us. Our skills, opportunities, promotions, side businesses—these are not purely our doing. God is the Source. A wise steward does not take credit but gives thanks.
When we understand that our income is God-given, we become more cautious about how we spend, save, and invest. Our mindset shifts from ownership to stewardship.
2. Work Diligently and Honestly
Wealth built without labor is vanity. The Bible never endorses laziness or shady gain.
Proverbs 13:11 KJV says, “Wealth gotten by vanity shall be diminished: but he that gathereth by labour shall increase.”
As a CPA, I have heard countless businesses collapse because they cut corners or tried to trick the system. Fraudulent accounting, tax evasion, bribery—these are temptations that can destroy your testimony and finances alike.
A Christian must be above reproach. Do not cheat your clients, your employer, or the government. Honest labor might look slower on the surface but it builds a firm foundation.
3. Live Within Your Means
One of the biggest traps today is lifestyle inflation. When income increases, expenses often swell to match.
Proverbs 21:20 KJV gives timeless counsel: “There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.”
The foolish man consumes it all. The wise saves and prepares for lean times.
Set a budget. Distinguish between needs and wants. Monitor your spending. As your CPA and brother in Christ, I encourage you: discipline today ensures provision tomorrow.
4. Tithe and Give Generously
Faithful finances are not self-centered. A believer’s wealth is a channel for blessing others.
The Old Testament standard of tithing shows the principle of giving God the first portion. While we are not under the Old Testament Law, the heart behind tithing still teaches us to prioritize God in our finances.
2 Corinthians 9:7 KJV reminds us: “Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver.”
Give to your local church. Support missions. Help the needy. Invest in eternity through your giving.
5. Save and Invest with Prudence
Building wealth with wisdom includes saving for future needs. Proverbs 6:6–8 KJV teaches from the ant: “Go to the ant, thou sluggard; consider her ways, and be wise: Which having no guide, overseer, or ruler, provideth her meat in the summer, and gathereth her food in the harvest.”
Saving is not hoarding. It is prudent preparation. Emergencies come—medical needs, job loss, economic downturns. A wise Christian does not panic because he has prepared.
If you have surplus, invest wisely. Avoid schemes that promise unbelievable returns. Stick to what you understand. Seek counsel if needed. And never invest money you cannot afford to lose.
6. Avoid and Eliminate Debt
Debt can enslave. The Bible does not outright forbid borrowing, but it does caution us strongly.
Proverbs 22:7 KJV says: “The rich ruleth over the poor, and the borrower is servant to the lender.”
As a CPA, I have seen good people overwhelmed by credit card debt, personal loans, and unpaid taxes. Interest compounds, stress multiplies, relationships strain.
If you have debt, tackle it intentionally. Make a payoff plan. Cut unnecessary expenses. Be patient. With discipline, you can break free.
7. Plan for Generational Impact
A wise steward thinks long-term. We do not build wealth merely for our comfort but to bless future generations.
Proverbs 13:22 KJV: “A good man leaveth an inheritance to his children's children…”
This means wise estate planning. Draft a clear will. Teach your children financial responsibility. Train them in Biblical stewardship so your legacy continues.
8. Never Let Wealth Rule Your Heart
Finally, remember that true wealth is not about pesos or dollars. Money is a tool, not a master.
1 Timothy 6:10 KJV warns: “For the love of money is the root of all evil…”
Use money. Do not worship it. Christ said in Matthew 6:21 KJV, “For where your treasure is, there will your heart be also.”
Ask yourself: Where is your treasure? Are you storing up riches on earth or investing in eternal things? No amount of earthly riches can buy peace with God. Be sure your wealth does not keep you from faithfulness to the Lord.
Practical Next Steps
- Review your budget monthly.
- Track every peso spent.
- Prioritize giving.
- Pay off debts.
- Build an emergency fund.
- Seek wise counsel when investing.
- Teach your children about money and faith.
Conclusion: Wealth With Wisdom, Finances With Faith
Building wealth with wisdom is a lifelong journey. It combines diligent labor, wise saving, generous giving, and constant trust in God’s provision.
Money is a test of our hearts. Will we cling to it or use it for good? Will we trust in riches or the Giver of riches?
As your CPA and fellow believer, my prayer is that you handle your finances in a way that honors Christ and blesses others. May your barns be filled, your heart be peaceful, and your legacy eternal.
If you want to learn more about faithful finances, Biblical stewardship, and practical accounting insights, visit www.cpadavao.com. May the Lord give you wisdom and prosperity that glorify Him.
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