It’s Not About the Money

The Bible contains more than 2,300 verses about money and possessions. That’s a staggering number—so there’s got to be a reason.

But while the number is accurate, it can also be a bit misleading. Money itself isn’t what’s most important. What truly matters is what money reveals about our hearts.

Let’s unpack why Scripture talks about money so much—and why your financial life is ultimately a spiritual matter.

Jesus Talked About Money—But Not for the Reasons You Think

When Jesus spoke about money, He was never just talking about money. He was talking about something deeper—something eternal. His goal wasn’t to teach financial literacy. It was to expose the true condition of our hearts.

God’s Word uses money as a spiritual teaching tool. Why? Because no matter who we are or where we live, money is something we all have to deal with. Whether it’s groceries or giving, saving or spending, money touches every part of our lives.

That’s why financial struggles can feel so personal. Money can stir up stress, create confusion, and ignite conflict—especially in our relationships. But Scripture reminds us that the problem is rarely the money itself. It’s what the money reveals.

In Matthew 6:21, Jesus says:

“For where your treasure is, there your heart will be also.”

That’s the heart of the matter—literally. It’s not about how much you make or spend. It’s about what you value.

When we look beneath the numbers, we find a spiritual reality: Money is a mirror. It reflects what we truly trust, desire, and love.

Money and Marriages: It's About Values, Not Amounts

Consider how often money shows up in marriage conflicts. It’s frequently cited as one of the leading causes of divorce. But more often than not, the issue isn’t really about the dollars. It’s about values.

One spouse might want to save for the future, while the other wants to enjoy the present. One sees money as a way to bless others; the other sees it as a source of security. Neither view is inherently wrong—they’re just different. But when those differences clash, tension arises.

And in that tension, it’s easy to argue about expenses without ever addressing the deeper, spiritual divide.

Every Spending Decision Is a Spiritual Decision

It might seem strange to call a purchase—like a cup of coffee or a pair of shoes—a spiritual decision. But in a way, it is because every financial choice reflects our priorities.

In Matthew 6:24, Jesus says: “No one can serve two masters… You cannot serve God and money.”

Jesus is inviting us to examine where our loyalty lies. That doesn’t mean we can’t enjoy what God provides. In fact, Ecclesiastes 3:12–13 affirms that we should:

“I perceived that there is nothing better for them than to be joyful and to do good… everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”

God delights in our joy. He’s not against lattes or leisure—He just wants those things to sit beneath, not above, our love for Him.

What Do You Do When Values Collide?

Whether you’re navigating money as an individual or a couple, the first step to peace is recognizing that financial disagreements are opportunities for spiritual growth.

And that growth starts with prayer. As our friend Howard Dayton says:

“It’s hard to quarrel when you’re praying together.” Prayer invites God into the conversation. And as James 1:5 assures us: “If any of you lacks wisdom, let him ask God… and it will be given to him.”

Through prayer, we find clarity. Through humility, we find unity.

For couples, the next step is open, respectful communication. Talk about your values. Share your hopes. One of you might prioritize saving for retirement, while the other longs to create meaningful family memories through travel. Both desires can honor God—you just need to find common ground.

When needed, a financial advisor—especially a Certified Kingdom Advisor (CKA)—can help you identify shared goals and build a plan that reflects both wisdom and faith. A Path Toward Unity and Growth

Financial disagreements don’t have to create division. In fact, when addressed with humility and a desire to honor God, they can build trust and draw you closer—not only to each other but to Christ.

So, if you’re wrestling with a financial decision today—or feeling relational strain because of money—don’t walk through it alone.

Invite God into the process. Talk it through with someone you trust. And above all, remember this: It’s not about the money. God wants your heart. And when your heart is aligned with His, your financial life will begin to reflect the peace, purpose, and priorities of His Kingdom.