All Messages
Money and the Heart
·
Part 2
Ken Tram
Ephesians 5; Psalm 90:12; 1 Corinthians 4:2; Proverbs 21:5; Genesis; Proverbs 22:7; Romans 13; 1 Timothy 5:8; 1 Timothy 6:17
“Buy now, pay later” feels harmless until later shows up every month. In this message from Ephesians 5, Pastor Ken argues that stewardship isn’t just a money word. It means managing everything that belongs to God, from your time to your relationships, according to what matters to God. Then he gets practical about money: know where it’s going, plan before you spend, save when you have more, and take debt seriously. It’s for anyone who wants to live wisely with what they’ve been given.
COMMON QUESTIONS ABOUT THIS MESSAGE
What is biblical stewardship, and is it only about money?
Pastor Ken defines stewardship as managing what belongs to God according to what matters to God. He says it’s not only money but also your time, talents, relationships, marriage, and children. He ties it to “making the most of every opportunity” in Ephesians 5:16 and 1 Corinthians 4:2, which says stewards must be found faithful.
What does “master money or it will master you” mean?
Pastor Ken builds on the biblical teaching that you can’t serve both God and money. His point is that if you don’t learn to handle money well, it ends up ruling you in place of Jesus, and he says that’s a common struggle for Americans. He describes mastering money as understanding your finances so that they work for you, not against you.
How seriously does the Bible take debt?
Pastor Ken points to Proverbs 22:7, “the borrower is slave to the lender,” and Romans 13, “Let no debt remain outstanding” except the ongoing debt to love one another. He says debt will always cost you freedom, and he cautions that “buy now, pay later” has become normal in our culture even for things like phones. He isn’t condemning anyone who saved up for something; his concern is being shackled to a lender.
How do I plan and save with my future self in mind?
Pastor Ken says what you do today shapes who you are later, so live today so that future you doesn’t look back and ask what you were thinking. He cites Proverbs 21:5, that the plans of the diligent lead to profit while haste leads to poverty, and urges planning before big purchases. When you have more, he says, save it instead of upgrading your lifestyle, and don’t build a lifestyle that needs the good season to last forever.
Does the Bible say I have to provide for my family?
Pastor Ken reads 1 Timothy 5:8, which says anyone who doesn’t provide for relatives, especially their own household, has denied the faith and is worse than an unbeliever. He calls those harsh words and uses them to say that spending only on yourself isn’t faithful stewardship. His closing point from 1 Timothy 6:17 is to put your hope in God, who richly provides for our enjoyment, not in wealth.


