5 Reasons We Don't Give More with Ron Blue

Nov 5, 2025

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Why do so many Christians want to give more—but feel like they can’t?

Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don’t give more, and how we can begin climbing toward greater generosity.

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.

Five Barriers to Generosity—and How to Overcome Them

Generosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity.

These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.

1. Spiritual Condition: The Foundation of Generosity

Before generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.

The more we understand God’s ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.

2. Financial Health: Creating Margin to Give

Even when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can’t give more because they’re weighed down by debt, overspending, or disorganization.

It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.

3. Vision: Seeing Where God Is Working

People don’t give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we’re motivated to invest more deeply.

A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.

4. Community: Encouragement from Others

Generosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we’re inspired to do the same.

Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn’t just an individual act—it’s part of how the body of Christ functions together.

5. Planning: Giving with Intention

Finally, generosity grows through intentional planning. I’ve seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.

A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.

Moving Toward Greater Generosity

These five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.

So, which one are you ready to work on today?

The journey toward generosity isn’t about guilt—it’s about grace. As we align our hearts, habits, and plans with God’s purposes, we discover the joy of giving that truly reflects His character.

On Today’s Program, Rob Answers Listener Questions:

I’m considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.
How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don’t seem to think that way?
I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family’s finances. If I do that, how should I communicate with a potential employer that I’d like to keep my business on the side—and is that even wise to do?
I’ve been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what’s your take on where this is heading?
My husband is 65 and retired, and I’m 56 and still working. I’ve heard that a spouse can collect half of the other’s Social Security benefit once they reach a certain age. Is that true, and how does it work?

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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