Jose Briones – Denver, Colorado … Our relationship with money often feels like a deeply personal matter, one shaped by experience, opportunity, and sometimes struggle. But according to certified financial planner Tammy Smith, the way we think about wealth is often rooted in early childhood, sometimes as early as six years old. These ingrained beliefs, often called money scripts, can influence financial decisions for a lifetime.
In our recent conversation with her in the Living Generously podcast, Smith shared insights on how biblical principles offer guidance for financial stewardship, challenging the idea that wealth defines self-worth and, instead, presenting money as a tool for generosity and purpose.
“Money is never inherently good or bad,” Smith explains. “It’s just a tool. The problem comes when people try to use it for things it was never meant to do—like buying self-worth or fixing relationships.”
According to Smith, money scripts can shape the way we manage finances in adulthood. Some people grow up believing that wealth equals greed, while others may associate spending with love, leading to unhealthy financial habits. These subconscious attitudes can impact saving, giving, and overall financial stability. Smith stresses the importance of reflecting on these learned behaviors and asking questions: “What did I learn about money from my parents? How do I feel about financial security today?”
Drawing from over 2,300 biblical verses on money, Smith discusses examples of generosity and financial wisdom found in scripture, from Abraham’s humility to Job’s deep commitment to helping others. “Job didn’t measure his worth by how much he had,” Smith notes. “He valued himself by how much he could help others.”
For individuals and churches alike, breaking free from limiting money scripts starts with awareness. Recognizing unhealthy beliefs and replacing them with values rooted in wisdom and generosity allows for a healthier, purpose-driven approach to wealth. As Smith puts it, “It’s not about how much you have. It’s about how well you use it.”
Listen to the full episode and gather more insights about how to use money for God’s purposes.
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—Jose Briones is the RMC Stewardship Promotion and Content creator. Photo by Towfiqu Barbhuiya of Pexels.