In the first century B.C., the Roman historian Sallust wrote, “Prosperity tries the souls, even of the wise.” That statement still holds true today. While most people would gladly accept financial prosperity despite its pitfalls, few are as eager to embrace financial hardship. Yet both seasons—wealth and want—reveal what we believe, what we value, and ultimately, where we place our trust.

When things are going well financially, it’s easy to take the credit. But self-reliance and comfort can open the door to pride and greed. As Jesus warned in Luke 12, “Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”

Prosperity can dull our spiritual sensitivity. We may forget our dependence on God or assume His blessings are tied to our performance. But success isn’t always a sign of God’s approval—sometimes it’s a test.

The Temptations of Adversity

Financial hardship brings its own spiritual challenges. Temptations like bitterness, envy, fear, and self-pity can creep in. We might compare ourselves to others or question God’s goodness. But just as prosperity tests our humility, adversity tests our faith.

James 1:2-3 tells us, “Consider it pure joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness.”

So how do we remain grounded—whether in feast or famine? The answer is wisdom.

Proverbs 1:7 lays the foundation: “The fear of the Lord is the beginning of knowledge, but fools despise wisdom and discipline.”

This kind of fear isn’t cowering in dread—it’s reverent awe. It’s the recognition that God is holy, sovereign, and good. And it’s trusting that His commands are given for our good, not our restriction.

Just as a loving parent sets boundaries to protect their child, God gives us instructions to guide us toward freedom, peace, and flourishing.

What Wisdom Brings

Godly wisdom isn’t reserved for the wealthy or educated. It’s available to anyone who humbly seeks it. Scripture outlines several benefits of living wisely:

Discernment: “Then you will understand what is right and just and fair—every good path” (Proverbs 2:9).
Guidance: “In all your ways acknowledge Him, and He will make your paths straight” (Proverbs 3:6).
Blessing: “Blessed is the one who finds wisdom, and the one who gets understanding” (Proverbs 3:13).
Reputation: “The wise inherit honor, but fools get only shame” (Proverbs 3:35).
Protection: “Through the fear of the Lord a man avoids evil” (Proverbs 16:6).

Your income or assets do not bind these benefits—they’re available to anyone who listens to God and walks in His ways.

In contrast, the Bible describes a fool not as someone lacking intelligence but as someone who rejects God’s wisdom. Proverbs 12:15 says, “The way of fools seems right to them, but the wise listen to advice.”

When we define right and wrong on our own terms—especially in our finances—it leads to confusion and brokenness. God’s warnings are invitations to return to the life He designed us for, one marked by peace, generosity, and joy.

Applying Wisdom to Your Finances

Here are three practical ways to walk in financial wisdom:

1. Recognize God’s Ownership

Everything we have belongs to God. We are stewards, not owners. Psalm 24:1 says, “The earth is the Lord’s, and everything in it.” When we view money as a trust rather than a possession, it changes how we spend, save, and give.

Ask the Lord to help you desire faithfulness over financial status. He’s not looking at your net worth—He’s looking at your heart.

2. Live by Biblical Principles

Scripture is full of practical wisdom for managing money: avoid debt, practice generosity, work diligently, and act with integrity. Philippians 2:3 reminds us, “In humility, consider others more significant than yourselves.”

3. Pursue Contentment

Paul writes in 1 Timothy 6:6, “Godliness with contentment is great gain.” True wealth isn’t about how much you have but about how much you trust God. Contentment sets you free from the endless cycle of comparison and consumerism.

What Do Your Habits Reveal?

At the end of the day, your financial decisions reflect your spiritual direction. Are your habits shaped by God's wisdom or the world’s values?

Jesus said, “Where your treasure is, there your heart will be also” (Matthew 6:21). If you’re following Christ, your money will follow Him, too—toward generosity, simplicity, and trust.

Whether you’re walking through a season of prosperity or adversity, God is with you. And if you seek His wisdom, you’ll be equipped to handle both with grace.

The world measures success by accumulation, but God measures it by faithfulness. So whatever financial season you’re in right now, stay focused on what truly matters: following Jesus. In Him, there is peace, purpose, and joy—no matter your bottom line.

On Today’s Program, Rob Answers Listener Questions:

I want to move from our 26-acre farm, but house prices are high. Do land prices follow house prices if the housing market drops?
I want to put my house in a trust to protect it in case I end up in a nursing facility, but I can't afford an attorney. What do you think of using an app like Quicken Willmaker for this purpose?
I'm a federal employee planning to retire within a year. My TSP is invested 70% in the C fund and 30% in the G fund. Is this a good allocation, or would it be safer to start moving more of my investments into the G fund?
I own a house, and I decided a long time ago to put it in my name and my three daughters' names. I'm wondering if I have done the right thing and what the advantages or disadvantages of this decision are.
I want to transfer my Arizona property to my children to avoid probate. Are CDs offering 7.5% better than stocks with broker fees?

Resources Mentioned:

Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God’s resources.

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