God’s Battle for Your Bank Account

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The tomatoes caught me off guard. Sitting in a small Anglican church in Kenya, I was
prepared for the invitation to put some money in the offering plate. I was not prepared for
tomatoes.

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But that’s what the members of that farming village brought. Tomatoes, avocadoes, maybe
even a chicken or two, all brought up and placed on the altar. They brought the literal
firstfruits of their small fields, the work of their hands given back to God in gratitude for his
blessing on farm and farmer alike.

Perhaps a Christian approach to economic life begins on an altar covered with tomatoes, with
worship that orients all of who we are toward the God who so loved the world that he gave.
Indeed, worship is an economic issue. We are made in the image of a generous King, wired to
reflect his generosity to the rest of creation.

Follow the Money

If worship is an economic issue, so is idolatry. When we read about the Israelites worshiping
Baal in 1 Kings 18, for instance, we often imagine that some the Israelites simply fell in love
with Baal statues. Perhaps a compelling Baal evangelist showed up and presented the 4
Spiritual Laws of Baal Worship. Maybe a traveling Baal apologist presented some compelling
arguments in a public debate.
But the primary attraction to Baal worship certainly wasn’t a pretty statue or a theological
argument. It was an economic promise. The nations around Israel called Baal the “Rider on
the Clouds” who could bring the rain and make all your economic problems go away. Little
wonder, then, that when King Ahab chose to marry a woman from Baal territory, the farmers
in Israel built a house for this new god and welcomed him to the neighborhood (1 Kings
16:31).

Of course, most Israelites didn’t totally reject Yahweh, the God of Israel. They probably kept
going to the temple, paying their tithes, and saying a prayer or two now and again—especially
on holidays. They just added Baal worship to their insurance policy. After all, if you’re a
farmer, it’s only practical to invest in getting the Rider of the Clouds to like you.

The rest of the story makes clear that Yahweh would have none of it (1 Kings 17:1–18:46).
He proves to Israel that he is the only God who can deliver the economic goods by bringing a
drought on Baal’s home turf and sending fire from heaven to consume Elijah’s offering. The
Lord wages a war for his peoples’ hearts on the battlefield of their bank accounts. Worship,
after all, is an economic issue.

This is the sort of background we should bring to Jesus’ words that we cannot serve God and
money or Paul’s declaration that greed simply is idolatry. The New Testament writers
understood that money poses one of the biggest temptations facing God’s people. Too often,
we treat money as an idol like Baal, an idol to worship as a god to get what we want. Over
and over again, the New Testament makes it abundantly clear: Money wants our worship. But
every bit of ourselves we give to our stuff we snatch away from our true king.

Here's the bad news: Evidence suggests that money may be winning the war for the average
US Christian's worship as often as not. While Americans have experienced significant income
growth over the last 50 years, studies show that during that same period of time, average
evangelical Christian giving dropped . . . from 5.98 percent to 3.21 percent of those ever-
growing incomes. As American Christians, we’ve generally earned more and given less.

The Old Testament mandated a 10 percent tithe plus voluntary offerings for agrarian peasants
living on small, rain-dependent farms. Jesus commanded his followers, poorer by far than any
of us today, to “give to everyone who asks you” (Luke 6:30). The earliest Christians, living
under occupied rulers and oppressed by exorbitant taxes, nevertheless liquidated assets and
shared their homes with one another. But today US Christians give away less than 4 percent
of our incomes. If the biblical authors thought love of money could drag them to hell, what
would they have to say to us (cf. Luke 16:19–31)?

What’s the Solution?

The good news is Jesus doesn’t just warn us of our idolatry; he gives us a way out of it. By
the power of his Spirit, Jesus renews our hearts, rescuing us from dehumanizing idolatry and
restoring us as worshipers of Jesus.

This transformation doesn’t just happen in a single moment though. Even with hearts renewed
by grace, we often find ourselves slipping back into our old ways. Thank goodness, then, that
Jesus gives us a practical step, an act of obedience that, when we enter into it by his grace,
liberates us from the idolatry of money. You see, just before Jesus warned us we can’t serve
God and money, he invited us into this powerful practice: “Store up for yourselves treasures
in heaven, where moths and vermin do not destroy, and where thieves do not break in and
steal. For where your treasure is, there your heart will be also.” (Matt. 6:20–21)

We often read this passage as saying that our giving is like a thermometer that tells us the
temperature of our hearts for God. That’s true enough, but that’s not what Jesus says here.
Jesus’ point is that giving is like a thermostat that changes the temperature of our hearts.
Giving to God’s kingdom shapes our hearts for God because where we put our stuff, there our
hearts will go. Generosity is a God-given prescription for the idol-sickness that ails us.

Practicing Cross-Shaped Giving Today

Over 100 years ago, a few Christians in one of the poorest regions in India began practicing
giving inspired by the King who gave his very life on the cross. Every time these very poor
believers cooked rice for their families, they’d throw a handful of uncooked rice into a special
container. The church would gather this rice, sell it, and use it to minister to their neighbors.
This practice, known as Buhfai Tham, raised only $1.50 its first year. Today, these handfuls
of rice raise $3 million dollars. Their generosity has enabled them to support thousands of
missionaries and bring many of their friends and neighbors to faith in the God who so loved
the world that he gave.

The example of these poor saints calls us Westerners to repent of our economic idolatry and
pursue cross-shaped giving in our own lives. What would it look like for us to practice cross-
shaped giving, giving that worships God and embraces his heart-transforming power that we
greedy idolaters so desperately need? I suggest a few simple practices to help us get started.

 Fast from something to free up money for generosity. We worship a King who
became poor so that we might become rich. We can’t follow Jesus in generous giving
by simply giving whatever happens to be left over. We have to look for ways to free
up money for others by laying down our own needs and desires.

We hear often enough in church about the need to take up our crosses and be ready to
lay down our lives for Jesus. What I fear we’ve forgotten in the West is that this
doesn’t just mean being ready to declare Jesus with our lives if anti-Christian terrorists
come charging into our church, AK-47s in hand. It means declaring Jesus with our
lives, not least by willingly entering into the suffering of the world’s poor, taking
some of their economic burdens onto our own backs.

If we want to know Christ and the power of his resurrection, then costly generosity
will be one way we share in the fellowship of his and his church’s sufferings.

So consider:

- Fasting from a meal once a week and giving what you save to a Christian
organization addressing hunger

- Rightsizing your life by buying less expensive stuff, making different vacation
choices, or even taking a different approach to saving money in order to give more

- Embracing a version of Ron Sider’s “graduated tithe,” which basically means giving
a higher percentage of your income whenever your income goes up
  “Right-size” your church’s budget. Challenge your church to practice cross-shaped
giving together in order to give more to God’s priorities in the world, including global
evangelism and poverty alleviation.
 Create communal giving through “opening the books” with others. One of the
bizarre ironies of Western Christianity is that we’ve created complex systems of
accountability for dealing with sexual idolatry but have completely ignored the need
for similar systems to help us experience liberation from economic idolatry.

This opens the door for greed to gain its idolatrous foothold. In Acts: A Theological
Commentary, Willie James Jennings provocatively argues that the story of Ananias
and Sapphira captures the perennial temptation for nuclear families to turn inward in
greed, keeping their economic idolatry secret from the searing, gracious light of
communal obligation and accountability.

So bring your finances into the light! Form generosity accountability partnerships and
encourage small groups to open up about their incomes and generosity patterns. Share
testimonies of disordered greed turned to generosity, and invite heroic givers from
lower-income backgrounds to share their stories.

Offer greed counseling. One way money exerts power over us is by tricking us into
believing we shouldn’t talk about it with others. But Paul used his own example (Acts
20:35), the example of Jesus (2 Cor. 8:9), and the example of other churches (2 Cor.
8–9) to inspire people to generosity. Church is a team sport. Giving is a team sport.
We can’t do this alone.

Just the Beginning

All of this is just the beginning. Practicing cross-shaped giving will lead us ever deeper into a
life of loving and serving Jesus. Who knows where our humble next steps toward worshiping
God with our stuff will lead?

Also, as Brian Fikkert, Robby Holt, and I detail in great depth in Practicing the King’s
Economy: Honoring Jesus in How We Work, Earn, Spend, Save, and Give, economic
discipleship doesn’t end with worshiping God with what we earn. Economic discipleship
invites us to re-imagine how we work, how we spend, how we compensate, how we invest,
and more.

We believe God is calling his church to bend the entirety of our economic lives toward a more
just, inclusive economy in which currently marginalized neighbors and neighborhoods
become full participants in the community. We tell stories of Christians empowering
minority-owned businesses, business owners and churches finding ways to hire refugees and
those with criminal records, families investing in social enterprises that provide jobs for the
homeless, and so much more. And we provide first-step practices of economic discipleship for
God’s people in our families, churches, and workplaces.

But we’ll never get down the road toward the kingdom economy of Jesus if our hearts are
hardened by worship of money. Indeed, Christian responses to the most pressing economic
challenges facing our world today may start with a strikingly simple practice: storing up our
economic treasures in God’s kingdom. For where we put our treasure, there are hearts will
follow. And hearts aflame with kingdom fire will find ever-new ways to embody an economy
that looks like God’s, for the glory of our King and the good of our neighbors.

Michael Rhodes is the director of community development and an instructor at the Memphis
Center for Urban Theological Studies, where he heads up efforts to equip urban pastors and
community development practitioners with theologically informed tools for community
transformation.