Financial Ethics Series: Should I Give Money to Homeless People? with Dr. David W. Jones

Jul 2, 2025

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“Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” - Proverbs 19:17

As Christians, we’re called to be generous, but what does that look like when someone asks for money on the street? Should we give? Is there a better way to help? Today, Dr. David W. Jones joins us to explore the ethics of giving to homeless people and how to show compassion without causing harm.

Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.

A Biblical Call to Care for the Poor

Scripture is clear about God’s concern for the poor and His expectation that we share that concern. Jesus said, “Give to the one who begs from you, and do not refuse the one who would borrow from you” (Matthew 5:42). The apostle John echoed this, writing, “If anyone has the world’s goods and sees his brother in need, yet closes his heart against him, how does God’s love abide in him?” (1 John 3:17).

We should want to help those in need. The real question isn’t whether we help, but how.

Before we give, we should examine our hearts, because our initial reaction may often be judgmental, as we may assume that the person is lazy or addicted. But Dr. Jones calls this being “middle class in spirit”. Christ doesn’t call us to be “middle class in spirit”—He calls us to be “poor in spirit” (Matthew 5:3).

This shift in mindset is essential. Even if someone is unworthy of help, that’s the very reason we should want to help them. What if God waited until we deserved His grace?

Is It Wrong to Give Cash?

That leads to the practical question: Should we give cash to someone on the street? While the act of providing cash isn't inherently wrong, it could enable harmful behavior.

Instead, it may be more beneficial to prepare in advance by carrying granola bars or other non-perishable food items. Offer something that meets a need without enabling sin. If you have the time, offer to buy them a meal instead.

This kind of planned generosity helps believers act as good stewards, offering love without ignoring potential consequences.

But what if the person uses the money responsibly? Should we just leave that up to God?

There’s a balance because we can’t know everything about someone’s situation in a brief moment, but we are still called to be wise and loving. That means doing what we can with what we know, and entrusting the rest to the Lord.

When a Handout Becomes a Relationship

Sometimes, opportunities arise to do more than just meet an immediate need. Perhaps that involves building long-term relationships with individuals experiencing poverty or homelessness. These acts of sustained compassion often lead to deep transformation when we take the time to build a relationship with those who are struggling.

This is an example of a development-based model of helping the poor, which contrasts with an aid-based model (like giving money or food on the spot). If a natural disaster causes poverty, aid is appropriate. However, if it’s due to systemic injustice or poor choices, long-term involvement—such as discipleship, mentoring, and support—may be necessary.

Overwhelmed by Need? Start With What’s Near

A common question is: Where do I even begin? The need is everywhere.

The law of moral proximity encourages that we are most responsible for those closest to us. You may not be able to fix world hunger, but you can help someone in your neighborhood, church, or community.

Big problems require big solutions, but God calls us to care for what’s in front of us first.

Our goal isn’t just charity—it’s Christlike love, expressed with wisdom. When we begin by checking our hearts, planning for wise giving, and staying open to deeper relationships, we reflect God’s grace in practical ways.

On Today’s Program, Rob Answers Listener Questions:

I was affected by the Windfall Elimination Provision, but recently received a lump sum check related to that. They also increased my monthly benefit by $700, though taxes are being withheld. What should I know about how the lump sum will be treated?
I’m 47 and just starting my career after being a stay-at-home mom. My new job offers a 403(b) and will match up to 3%, but only after I’ve been there a year. Should I start contributing now, or wait until the matching begins?

Resources Mentioned:

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