How to Evaluate a Credit Score Drop

Most of us don’t wake up intending to serve money. And yet, over time, financial pressure, goals, and anxieties can quietly begin shaping our decisions, priorities, and even our sense of security.

Jesus addresses this directly in Luke 16:13: “You cannot serve God and money.” But that doesn’t mean money has no place in the life of a believer. It simply means money must never be our master.

The invitation of Scripture is far better: not to serve money, but to serve God with money.

Money Is a Gift to Receive with Gratitude

One of the most important starting points is recognizing that money is not inherently bad—it’s a gift.

Ecclesiastes 5:19 reminds us, “Everyone also to whom God has given wealth and possessions and power to enjoy them—this is the gift of God.”

God is not opposed to provision or even enjoyment. In fact, when Jesus fed the five thousand in Matthew 14, He didn’t just meet the need—there were twelve baskets left over. The message isn’t excess for its own sake, but that God’s provision is abundant and generous.

When we begin here, with gratitude, money shifts from something we grasp for to something we receive.

Money Reveals What We Trust

At the same time, money carries real spiritual weight.

1 Timothy 6:10 says, “The love of money is a root of all kinds of evils.” Notice—it’s not money itself, but our love for it that leads us astray.

Money has a way of exposing our hearts. Every financial decision—spending, saving, giving—asks a deeper question: What am I trusting right now?

• Am I looking to money for security?
• Am I using it to shape my identity?
• Or am I trusting God as my provider?

Money is morally neutral, but how we use it is deeply spiritual.

Money Is a Tool for Purpose, Not a Goal

Scripture consistently points us beyond accumulation.

Ephesians 4:28 tells us to work “so that [we] may have something to share with anyone in need.” That’s a profound shift. We don’t earn simply to build our own lives—we earn to participate in God’s provision for others.

This reframes everything:

• Work becomes more than survival—it becomes participation in God’s generosity.
• Saving becomes preparation, not fear.
• Investing becomes stewardship when it supports future responsibility and generosity.

Money finds its greatest purpose when it flows outward, not when it’s hoarded inward.

Putting Money in Its Proper Place

Jesus’ words in Luke 16:13 remind us that money must remain a servant, never a master.

John Wesley captured this beautifully when he wrote: “Money is an excellent gift of God… it is food for the hungry, drink for the thirsty, raiment for the naked.”

That’s a picture of redeemed money—money used for purposes that reflect the heart of God.

Holding Money with Open Hands

There’s one more truth that frees us: money is temporary.

1 Timothy 6:7 says, “We brought nothing into the world, and we cannot take anything out of the world.”

Every dollar we manage is something we steward for a season. But how we use it can have a lasting impact. When we remember that:

• We enjoy God’s provision without clinging to it.
• We plan wisely without placing our hope in wealth.
• We give generously because we trust God to provide again.

So before your next financial decision—whether it’s spending, saving, investing, or giving—try asking: “Lord, how can this money serve You and others?”

Because money is never the destination. It’s a tool placed in our hands to accomplish something far greater than ourselves.

Go Deeper

This is a key theme explored in Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship—a devotional designed to help you see money not as something to chase, but as a tool to align your heart with God’s purposes.

You can get your copy—or order for your church or small group—at FaithFi.com/Shop.

On Today’s Program, Rob Answers Listener Questions:

• My credit score dropped from the low 800s to the mid-600s after I moved and got insurance quotes. I have no debt, pay everything on time, and nothing negative shows on my report. What could cause a drop like this, and how can I fix it?
• My husband passed away six years ago, and we recently discovered a coin collection that may be valuable due to its silver content. It wasn’t included in the estate at the time. If we sell it now, how should we handle the taxes and inheritance implications?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• AnnualCreditReport.com 
• Equifax | TransUnion | Experian
• Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West
• 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.

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