Taking the Fear Out of Talking About Money in Church

So let me guess, every time you need to talk about money in church, you wince. And so does everybody else.

I know, because I’ve been there.

If you’re going to be effective in ministry, you have to become comfortable talking about money.

Yet few church leaders I know are.

Here’s why.

When you talk about money, it’s like you’re setting yourself up to be shot at. You almost always take bullets when you talk about money, even when you speak about it as earnestly, biblically and honestly as you know how.

As a result, many pastors avoid the subject and only talk about it if there’s a financial crisis looming for the church.

That’s the biggest mistake you can make. Only talking about money when you need money is the best way to set everyone up to lose.

Nobody wins in that scenario: not the church, not your people and not you as a leader.

But you have to talk about it. Why? Because there’s so much at stake if you don’t.

Pastors who refuse to talk about money can ultimately leave both their churches and their people broke.

The message we continually hear from the culture around us leads people to overextend themselves financially on things that matter little in the end and can also result in dissolving families (see below).


I know what it’s like to lead with very meager resources as well as what it’s like to lead with more.

When I began in ministry, three small churches called me to be their pastor.

The annual budget for one of the churches was $4,000. No, I’m not kidding. No, there are no missing zeros. Added together, the budget of all three churches was less than $50,000 for the year. The doors were almost closing.

But seeing resources freed up for ministry has made a big difference. More than 3,500 people now call our church home, and we see over 1,300 of them every weekend. Today our church is vibrant, healthy and alive (and I’m so thankful for that).

What’s even better, though, is how we’ve seen people who attend our church become financially healthy in their personal life. Far too many people were driving car payments, not cars, buying so much house there was no money left for anything else, and no one seemed to be interested in casting a different vision. It’s been a joy to cast vision and help people live with margin and live on mission. And they’re so grateful for having margin in their life.

So how do you get over your innate fear of talking about money?

Here are seven ways to get over the funk of talking about money at church.

1. Realize People Talk About Money Every Single Day.

Think about it. Do you know a person who doesn’t talk about money in some way every day?

There’s not a family in your church or community that doesn’t have some kind of daily dialogue about money.

People talk about it, argue about it and try to make their plans around it.

Almost everyone in your church and community thinks about money daily and talks about it daily. They may even struggle with it daily. It’s just that few people step up to help them with it.

And because most church leaders are afraid to talk about money—or only ever talk about it in the context of giving—people talk about money in a theological vacuum.

So start talking about it. And when it comes to money, don’t just talk about giving, talk about living. Normalize the conversation by talking about normal things.

2. View Talking About Money as Pastoral Care.

Could it be that your reluctance to talk about money is costing people their marriages?

Reports continue to show that money issues are a top reason families break up.

In a culture of plenty burdened by massive personal debt and a lack of fulfillment around money, families are looking for hope and help.

If the church won’t help people figure out how to handle their personal finances, who will?

The Scriptures are packed with practical advice and missional claims on personal finances that can literally change people’s lives.

Why hold out on people? Who will bring them help or hope if you don’t?

3. Help People Plan Their Financial Future, Not Just Yours.

Addressing money in your church shouldn’t just be about your needs in ministry.

Too many leaders only think about their church’s needs when it comes to money. Wise leaders think about their congregation’s needs when it comes to money.

If you help people plan their personal financial future, you’ll have a better future as a church.

The tagline we came up with a few years ago is that we want people to live with margin and live on mission.

I started telling people I wanted them to pay cash for their next vacation, to save for their children’s education, to save for retirement, to create an emergency fund and to live generously.

I think people were shocked that a preacher a) wanted them to take a vacation, b) wanted them to pay cash for it, c) offered a program to help them realize their financial goals and d) didn’t expect all their money to go to the church.

One of the best things we’ve done in the last five years has been taking hundreds of adults and students through the Financial Learning Experience. It’s a two-hour forum designed to help people master the basics of financial planning and realize their dreams. There are follow-up small groups and individual coaching you can also offer.

My joy as a leader is to see hundreds of people paying cash for their vacations, saving for their kids’ education, saving for retirement and giving generously to the kingdom.

But that only happens if you want something for people, not just something from them. So help people plan their financial future, not just yours or your church’s.

4. Understand You’re Slaying a Giant Idol.

If the world (and church) have an idol, money is a prime candidate.

So know upfront you’re going to get pushback when you address it. But if you help people with their finances as a ministry and steward the money that’s received appropriately, you will help break the power of an idol in our culture and church.

When you attack an idol, prepare for a counterattack.

It’s easier not to fall victim to the criticism or internal battles that the attack brings when you realize the attack is coming.

But before you go too far down that road, remember the enemy is not just outside you, it’s within you. The idol you’re trying to get your congregation to slay might also be yours. Really question your motives when you talk about money.

Be honest about how you struggle with money and the love of it. If you don’t struggle with money, you’re probably not human.

5. Tap Into the Desire Most People Have to Be Generous.

It’s easy to think most people are stingy. I’m not sure that’s true.

Most people want to be generous. They just don’t know how.

When you can’t make your minimum credit card payments, even a $20 donation to the food bank seems out of reach.

When you help people get their finances in order, generosity can be unleashed. And more people want to be generous than you think. They just need help getting there.

6. Your Vision and Stewardship Must Be Worth the Sacrifice People Make.

When people give, you receive a measure of trust from both people and from God.

You need to steward and manage the money well. Things like a third party independent annual audit (which is expensive, but worth it) should be the norm.

And your vision and mission should be compelling, up to the challenge, and have life-changing results.

People may give once or twice, but over time, most people don’t give generously to uninspiring or poorly stewarded visions.

7. Unchurched People Are More Open to Conversations About Money Than You Realize.

I saved the best for last. Of all the concerns I’ve heard about talking about money at our church over the years, the No. 1 objection is that unchurched people don’t like the church to talk about money.

And guess what? Most of our growth comes from unchurched people, so it’s a live tension.

Sure, sometimes, that’s true. But most of it’s not. Surprisingly, unchurched people love to talk about money when they realize you’re ready to help them.

If you doubt that people love to talk about money, just ask Dave Ramsey how, for a quarter-century, he’s helped millions of people (church people and unchurched people) win with their money.

Ready for a truth bomb? In my experience, the people who object the most about talking about money are the people who give the least.

I can’t prove that statistically, but it resonates with my experience and intuition.

Don’t let the people who never give ruin your ministry to people who love to give and want to give.

Read more from Carey Nieuwhof »

This article originally appeared on CareyNieuwhof.com and is reposted here by permission.

Carey Nieuwhof
Carey Nieuwhofhttps://careynieuwhof.com/

Carey Nieuwhof is a best-selling leadership author, speaker, podcaster, former attorney and church planter. He writes one of today’s most influential leadership blogs, and his online content is accessed by leaders over 1.5 million times a month. His most recent book, At Your Best: How to Get Time, Energy and Priorities Working in Your Favor, is designed to help you live a life you no longer want to escape from. Instead, you might actually start loving it.