Why does God allow personal financial trouble? (2024)

I’ll never forget that April morning when we woke up without food. A million thoughts passed through my mind. We had only been married for a few years, and we were battling like any other young couple to get ahead in our Latin American country’s unstable economy.

I’ll be honest: our faith faltered. But, even amidst our doubts, God surprised us in showing the care He has for us.

When we go through experiences like this, we ask ourselves: Why does this have to happen to me? There are different reasons why God allows financial difficulties in the lives of His children. Here are six of them:

1) To strengthen our faith

Faith can be compared to one of the muscles of the body. If some part of our body is not used properly, it atrophies. Something similar happens in our spiritual life. The “muscle” of faith needs to be exercised.

Unless our faith is put to the test, it will not be exercised or strengthened. Aware that trials are a reality in the life of the believer, the apostle Peter encourages us by saying:

Though now for a little while, if necessary, you have been grieved by various trials, so that the tested genuineness of your faith—more precious than gold that perishes though it is tested by fire—may be found to result in praise and glory and honor at the revelation of Jesus Christ. (1 Peter 1:6-7)

Financial limitations or total loss of income can be orchestrated by God in the lives of his chosen ones to help us manage our income well and strengthen our faith.

2) To teach us wisdom

Exercising financial dominion requires practice. There are lessons we learn with experience such as discerning between a need and a want, deciding how much to tithe or donate, cutting expenses to stay within the budget, among others.

When our resources are limited, our options are narrowed. Sometimes it’s only under that stress that we learn financial truths. Therefore, financial crises are a good opportunity to correct behaviors and prioritize God’s will in our lives.

If take the path of biblical wisdom, we will avoid the various regrets of bad decisions and move toward a better financial future. You may need to seek advice, read a book, or listen to a podcast about finances. In financial trials, my recommendation is to, “[Make] your ear attentive to wisdom and [incline] your heart to understanding” (Proverbs 2:2).

3) To show us that money should not rule us

There is a sense of relief and comfort when we find ourselves in stages of life where our needs are met. This is more evident when our income allows us to enjoy financial comfort.

Unfortunately, that feeling could lead us to the idolatry of money, comfort, or pleasure—popular gods of this world. Tolerating these idols can make us sin against God by making money the object of our devotion. The Lord allows economic crises to teach us that money should not be the king of our hearts. Christ should!

We find a warning against the danger of idolizing money when Paul tells the Ephesians to not even mention greed among them, “For you may be sure of this, that everyone who is sexually immoral or impure, or who is covetous (that is, an idolater), has no inheritance in the kingdom of Christ and God” (Ephesians 5:3, 5, emphasis added).

4) To teach us the value of contentment

Being born into a deprived home does not free us from the influence of materialism. One of materialism’s effects is that we stop appreciating some intangible riches, such as the life and spiritual blessings that we enjoy in Christ. When this happens, we are easily drawn into the sin of discontent.

Seeking to counteract this way of thinking in believers, the author of Hebrews reminds us that we must live content with what we have, “For he has said, ‘I will never leave you nor forsake you’” (Heb 13:5).

Despite our sufferings due to economic situations, we can grow in contentment. Paul is an example that it is possible to learn to be content—regardless of the circ*mstances—because we have Christ (Phil 4:11).

5) To teach us to comfort others

We often appreciate support and counsel more from someone who has overcome the same affliction that we are suffering. Christ’s incarnation and suffering is just one illustration of this (Hebrews 4:15). Our Lord experienced the pains of living in a fallen world. He did it all because of our sins. Therefore, He brings encouragement through His Holy Spirit to the souls of those who have been transformed by the gospel.

Christians can also encourage others after they have experienced such comfort. Both ideas are considered by Paul when he writes that God, “comforts us in all our affliction, so that we may be able to comfort those who are in any affliction, with the comfort with which we ourselves are comforted by God” (2 Corinthians 1:4). When we go through periods of want and experience the comfort of God, we can have the conviction, the testimony, and the willingness to comfort those who experience the consequences of their lack.

6) For the glory of Christ and the advancement of the gospel

God is working to display His glory in our financial limitations. This is true not only because it forges our character to become more like Christ, but also because it allows us to be witnesses of Christ to those who do not know Him.

When a Christian reacts appropriately to such circ*mstances, unbelievers may find that a believer’s identity is not found in the vehicle he drives, that true joy is not in the clothes he wears, that peace is not found in a luxurious home, that the secret to security is not a prominent job or academic degree. While all the above can have a place in the life of a believer who gives God the glory, the search for fullness ends only when we find Christ.

Christians are light to the world because we demonstrate that our citizenship is in heaven (Matthew 5:14; Philippians 3:20). Our final hope is not found on earth. Certainly, our Father allows his children to experience various afflictions, including economic ones. But there are greater purposes that we are fulfilling through these difficulties. Ultimately, they all result in the maturity of His children, the spread of the gospel, and the glory of His name.

This article first appeared in Spanish at Coalición por el Evangelio.
Why does God allow personal financial trouble? (2024)

FAQs

Why does God allow me to struggle financially? ›

God is working to display His glory in our financial limitations. This is true not only because it forges our character to become more like Christ, but also because it allows us to be witnesses of Christ to those who do not know Him.

What does God say about financial problems? ›

In Matthew 6:25-26, Jesus tells us not to worry about our financial situation, as our heavenly Father knows our needs and will provide. Both verses emphasize the importance of trusting in God's love and provision during difficult times.

Why does God allow us to lose everything? ›

God loves us, but because of our sinful nature, He allows these things to happen. He knows that by allowing us to experience failure, pain, and struggle, we will grow stronger in our faith and to become closer to Him and moving away from sin.

What does God say about personal finance? ›

God blesses those who make money through honest work rather than sinful practices. God calls us to pay back what we owe and help those who have helped us. It's wise for us to plan, think through how we'll make money, and spend money. Saving money can help set us up for future financial success.

Why is God making me struggle so much? ›

God often allows things to become more than we can bear because it reminds us that we need Him, especially when things are hard. You have to get to the point where you can surrender your need for control and truly give it to God and not take it back.

Why does God allow hardship? ›

God allows us adversity so we can lean upon His strength and become stronger through His Spirit. In Hebrews 12:11, we read that we face adversity and discipline because it is a benefit “for those who have been trained by it.” Our troubles are part of our spiritual training.

How do you deal with financial crisis biblically? ›

5 Tips for Trusting God in Financial Difficulties
  1. Ask God for help. I know financial struggles are difficult. ...
  2. Remember God has a plan for your life. Let's play out a worst-case scenario: What would happen if your house got foreclosed on? ...
  3. Read your Bible. ...
  4. Give thanks. ...
  5. Be generous.
May 9, 2024

Can you pray to God for financial help? ›

Some folks question whether it's okay to ask God for financial help. So first off, let's dispel the notion that God doesn't care about your money or that it's wrong to pray about your finances. Nothing in the Bible says that. If it's important to you, it's important to God.

How does God want me to handle my finances? ›

Live on Less Than You Make and Save

That means living on less than you make—so you'll have money left over to save. The Bible talks about the importance of saving in Proverbs 21:20 (NIV84), which says, “In the house of the wise are stores of choice food and oil, but a foolish man devours all he has.”

Why does God give me so much suffering? ›

Often, though, the pain we experience is the natural result of our own choices or of living in a painfully broken world. Just as parents allow kids to suffer the consequences of their mistakes so they can learn and develop character, God allows people to suffer the consequences of their individual and collective sin.

How long will God allow me to suffer? ›

How long will God allow me to suffer? God does not give us a set time because suffering is never about time. The purpose of suffering is never about a length of time, it is about the depth of power and the height of transformation God accomplishes in us through it.

Why does God allow bad things to happen? ›

Because He knows this and loves us, He doesn't usually interfere with the consequences of our choices. If He forced us to make the right decisions, it would be impossible for us to grow and reach our divine potential. It would be impossible to live by faith in Him and His plan for our happiness.

Why does God allow me to suffer financially? ›

We know God cares for his children, and God alone chooses how, when, and with what means he will accomplish that. We also know that God allows hardship and difficulty, which can take different forms, for various reasons, to conform us to the image of Christ and draw us closer to him (Rom. 8:28).

How do you ask God for financial freedom? ›

Guide me by Your Holy Spirit in the steps I need to take for financial freedom. Amen. God of Heaven, I pray that You would guide me to make wise financial decisions. Bless me so that I can be a blessing to those around me.

Can God solve my financial problems? ›

While God may not necessarily solve our financial issues, He can lead us to the tools to help solve our financial problems and get us back on the right track. In the Bible, specifically in 1 Timothy 6:10, we read that the love of money is the root of all evil, but it doesn't necessarily forbid debt.

Will God provide for me financially? ›

Certainly, “my God will meet all your needs according to the riches of his glory in Christ Jesus.” (Phillippians 4:19) but there's no reason to limit how He will supply our needs. Maybe it will be with money. Maybe it will be something better.

What does the Bible say about being financially poor? ›

Luke 6:20-21 (NIV)

Looking at his disciples, he said: “Blessed are you who are poor, for yours is the kingdom of God. Blessed are you who hunger now, for you will be satisfied. Blessed are you who weep now, for you will laugh.”

Why is God withholding money from me? ›

He withheld. But here is what he gave instead: “My grace is sufficient for you, for my power is made perfect in weakness” (2 Corinthians 12:8–9). God withholds good things from us to teach us to treasure him above every good thing.

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