A Money Transformation with Ron Blue

Oct 17, 2025

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Money is never just about dollars and cents. It’s a window into our hearts, a test of our faith, and even a testimony to the world.

Few people have taught that truth more faithfully than Ron Blue. Today, he’ll share lessons from his own journey—from Wall Street to biblical stewardship—and explain how our approach to finances transforms us and our relationships with others.

Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.

From Wall Street to Biblical Wisdom

Ron began his career on Wall Street, later founding his own accounting firm and advising countless entrepreneurs and professionals. But everything changed when he became a Christian and encountered the teachings of Larry Burkett and Howard Dayton. He came to realize that everything that worked in the financial world had its roots in biblical wisdom.

For more than forty years, he’s witnessed God’s redemptive work through money—seeing firsthand how financial decisions reveal the heart and become a powerful entry point for spiritual growth.

As the late Billy Graham once said, “When you get your attitude about money right, the rest of life tends to fall into place.”

Money Reveals the Heart

Ron often quotes Larry Burkett’s insight that how we handle money is one of the clearest indicators of our spiritual life.

Every purchase, every act of giving, every financial habit reflects what—and whom—we trust most.

The first and most foundational lesson Ron has seen believers embrace is this: God owns everything.

Once that truth takes root, everything changes. We move from ownership to stewardship, from anxiety to contentment, from control to trust. Those who live as stewards tend to develop an eternal perspective—knowing where their true security lies.

When couples discuss money openly within that framework, communication strengthens and unity deepens. Money becomes not a barrier but a bridge to a deeper connection.

Learning How Much Is “Enough”

One of Ron’s signature teachings centers on answering the question: How much is enough?

Defining financial “finish lines” for lifestyle and accumulation frees believers from endless striving. It helps them determine when to give more, save less, and live joyfully within God’s provision. From a worldly view, enough is never enough—but from God’s view, it is both possible and freeing.

When we truly believe that God owns everything, our financial goals shift. We seek margin—the space to give, serve, and respond to God’s call.

Money itself isn’t the goal—it’s a tool to accomplish God’s purposes. Whether it’s how we educate our children, give to ministry, or plan for the future, the question becomes: How can these resources advance God’s Kingdom?

When people look at us, they shouldn’t see someone better, but someone different—different priorities, values, and goals.

When Couples Don’t See Eye to Eye

Not every couple starts on the same page financially. Ron has seen how honoring the marriage covenant sometimes means yielding financial preferences for the sake of peace and witness. In one case, advising a believing wife to honor her unbelieving husband’s wishes about tithing led to that husband’s eventual openness to Christ.

Even in his own marriage, Ron and his wife, Judy, have relied on third-party counsel to strengthen their communication—reminding couples that it’s not their money, but God’s money.

Money as a Test and a Testimony

For Ron, money serves three purposes: it’s a tool, a test, and a testimony. God often uses money to build our faith because it serves as a test of our trust. But it’s also a testimony. Contentment, generosity, and peace in financial life point the world to the sufficiency of Christ. In a culture driven by comparison and consumption, a believer who lives joyfully and contentedly becomes a living witness of God’s faithfulness.

If we can demonstrate contentment, confidence, peace, and joy, the world will notice—and wonder why. Money even becomes a testimony to the next generation as children watch their parents live open-handedly and find joy in biblical stewardship.

When you view money as God’s tool, test, and testimony, it reshapes not just your finances—but your faith, marriage, and legacy.

Money is a great servant but a terrible master. When we surrender ownership to God, we discover the true freedom of stewardship—peace, purpose, and joy that outlast every market cycle.

On Today’s Program, Rob Answers Listener Questions:

I’m 59 and planning to retire next year. My wife is already retired, and thankfully, our home and vehicles are paid off. We also have a few rental properties that are nearly paid for. My question is—when should I start taking Social Security? And regarding our pensions and investments, should I consider rolling them out of our company plans into something else?
My son is thinking about filing for bankruptcy. He has quite a bit of debt—not just credit cards—and I’m worried about what bankruptcy would do to his credit and how long it would take him to rebuild. He hopes to buy a home in the near future. What are his options to avoid bankruptcy, and if he does file, how can he begin to recover his credit?

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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