Calls: Social Security COLA Explained

“Give us this day our daily bread.”

These seven words from the Lord’s Prayer are so familiar that we can easily miss how radical they are. When Jesus taught His disciples to pray in Matthew 6:11, He invited them to trust God for provision—not all at once, but one day at a time. 

In a world obsessed with tomorrow, this simple request calls us back to dependence, humility, and trust in God’s care today.

Daily Bread in the Wilderness

The idea of daily bread takes us back to Israel’s journey through the wilderness. In Exodus 16, God fed His people with manna each morning. It was enough for the day—no more, no less. When they tried to store extra, it spoiled.

The lesson wasn’t primarily about food; it was about trust. God was teaching His people that He—not their stockpiles or strategies—was their provider.

Today, we work, budget, plan, save, and invest—and Scripture commends those practices. Proverbs celebrates diligence, and Joseph’s preparation in Genesis 41 helped save entire nations. Trusting God isn’t passivity, and faith isn’t irresponsibility.

But here’s the tension: our planning must never replace our dependence. When Jesus taught us to ask for daily bread, He was establishing a rhythm—trusting God with today rather than burdening ourselves with controlling tomorrow.

When Financial Anxiety Feels Close to Home

For many people, this teaching hits close to home. We live in a time of economic anxiety. Budgets are tight, housing is expensive, and the future often feels uncertain.

And if we’re honest, money doesn’t just expose financial fears—it reveals deeper questions: 

• Will I have enough? 
• Will I make it? 
• Does God see me?
• Will He take care of me?

Jesus speaks directly to those fears in Matthew 6:25–26: “Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them.”

Jesus isn’t calling us to ignore real needs. He’s inviting us to rest in real care. Birds still work—they gather, build, and hunt—but they don’t live in anxiety. They don’t wake each morning wondering whether God will provide. Provision is built into creation because God is faithful.

Three Responses to Daily Bread

Trusting God for daily bread shapes the way we live. It invites three important responses: gratitude, contentment, and generosity.

1. Daily Bread Invites Gratitude

When we ask God for what we need today, we’re reminded that what we have today is a gift. Gratitude pushes back against the relentless pressure for more—more comfort, more security, more status.

Ecclesiastes reminds us, “Everyone to whom God has given wealth and possessions and power to enjoy them… this is the gift of God” (Ecclesiastes 5:19). Even the ability to enjoy what we have is grace.

2. Daily Bread Invites Contentment

Contentment doesn’t mean settling for less—it means refusing to treat the future as the only place where peace exists.

Paul writes, “I have learned in whatever situation I am to be content” (Philippians 4:11). That learning happened within real circumstances, not after ideal ones arrived. Contentment grows as we trust God in the present moment.

3. Daily Bread Invites Generosity

When we trust God to provide for today, our grip loosens. Fear tightens our hands; trust frees them.

In 1 Kings 17, a widow shared her last flour and oil with Elijah, trusting God’s promise—and God sustained her household through the drought. The lesson isn’t that generosity guarantees prosperity. It’s that generosity reveals where our security truly lies.

Trusting God Through Everyday Financial Habits

Trusting God for daily bread often expresses itself in very ordinary financial decisions.

• Building an emergency fund can shield us from unnecessary anxiety.
• Creating a budget helps us steward what God provides.
• Saving for future needs reflects wisdom, as Proverbs 21:20 states: “The wise store up choice food and olive oil.”

Yet even the wisest planning must remember this: financial stability is not ultimate security. No account balance is large enough to silence fear if our hope rests in money.

At the same time, there is no scarcity so deep that God cannot sustain His children.

Whether in Need or in Plenty

For some, trusting God for daily bread is literal. You’re not sure how the bills will be paid. You’re praying for provision in a very real way. For others, the challenge is different. You’re in a season of abundance—and the danger isn’t lack, but forgetting the Giver.

God warned Israel about this in Deuteronomy 8: “Beware lest you say in your heart, ‘My power and the might of my hand have gotten me this wealth.’” Every opportunity, every skill, every breath comes from Him.

In the Lord’s Prayer, the request for daily bread comes after “Hallowed be your name” and “Your kingdom come.” Provision is framed by worship and mission. God meets our needs not only for our comfort, but for His purposes.

A Prayer for Today

So what does trusting God for daily bread look like? Ask God for what you need. Thank Him for what you have. Open your hands toward others.

He is faithful in the wilderness. Faithful in your budget. Faithful in seasons of uncertainty. And He is faithful today.

On Today’s Program, Rob Answers Listener Questions:

• I’ve built up significant credit card debt after a failed business investment and major car repairs—about $8,000 on one card, $10,000 on another, and $5,000 on a third. Should I use American Express’s relief program or look into debt consolidation?
• I receive Social Security. Do benefits automatically increase each year? Do I owe taxes on them, and if I go back to work, will it affect what I receive?
• I understand how firms like Vanguard and Fidelity charge for investment management, but how are Certified Kingdom Advisors compensated? How are their fees structured?
• My husband passed away, and I began taking his Social Security while waiting to claim my own at 70. I’m now hearing that my benefit may not increase if I do that. Should I switch to my benefit, and when should I apply to avoid missing any income?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• SSA.gov
• Christian Credit Counselors
• Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship
• Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money
• Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety
• Rich Toward God: A Study on the Parable of the Rich Fool
• Find a Certified Kingdom Advisor (CKA)
• FaithFi App

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.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.