Saving, Roth IRA, and Pension Strategy

Why do we give? Many Christians would answer simply: because Scripture tells us to. But if giving is only an obligation, something we do because we “should,” generosity will always feel heavy—like a tax, a duty, or a calculation. The Bible offers a far more compelling vision. It tells a story where generosity flows not from guilt or pressure, but from grace.

Most of us genuinely want to be generous. Few people say, “I don’t want to give.” Yet generosity doesn’t always come easily. We run the numbers. We think about what’s coming next. We worry whether our gift will make a difference. Sometimes we even reduce generosity to a math problem—something we’ll do once everything feels secure.

Beneath those questions is a deeper one: Why do we give in the first place?

Scripture doesn’t begin the conversation about giving with budgets or even with commands. It begins with identity. Before you ever give a dollar, you are already living on a gift. Paul writes, “For by grace you have been saved through faith… it is the gift of God” (Ephesians 2:8). You have received mercy instead of judgment, forgiveness in place of guilt, adoption instead of estrangement. Daily bread, new life, a secured future in Christ—all of it is grace.

And when grace takes root, generosity follows.

Paul describes this beautifully: “Though he was rich, yet for your sake he became poor, so that you by his poverty might become rich” (2 Corinthians 8:9). This isn’t just poetic language—it's the pattern of Christian generosity. Jesus did not cling to comfort, status, or security. As Philippians 2:7 says, He emptied Himself. He entered our poverty so we could share His riches. The gospel doesn’t merely forgive sinners; it forms a generous people who reflect the heart of the Giver.

That means our giving is never about earning God’s favor or proving our faith. “We love because he first loved us” (1 John 4:19). The same is true with generosity—we give because He first gave.

This changes the tone entirely. Instead of pressure, generosity becomes privilege. Instead of fear—fear of not having enough, fear of loss—it becomes trust. Giving becomes a declaration that God is our provider, not our bank account, and that our security is anchored in Christ, not in financial margins.

And this grace-shaped generosity is not reserved for the wealthy. Every believer has received the riches of Christ, which means every believer has something to give. Sometimes it looks like a financial sacrifice. Other times, like hospitality, encouragement, time, or presence. Generosity is broader than money and deeper than obligation.

In the end, we don’t give to become generous people. We give because God has already been generous with us. Generosity doesn’t begin with what we give—it begins with what we’ve received. When grace becomes the foundation, giving becomes a joy.

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If you’d like to explore how the gospel reshapes the way we think about money, stewardship, and generosity, we’re about to release a new 21-day devotional called Our Ultimate Treasure, written by our own Rob West. It’s designed to help you slow down, reflect on God’s grace, and connect biblical faith to everyday financial decisions. 

You can preorder your copy—or place a bulk order for your church or small group—at FaithFi.com/Shop. Or receive it automatically when you become a FaithFi Partner at FaithFi.com/Give.

On Today’s Program, Rob Answers Listener Questions:

• I’m recently widowed, and our home is for sale. Once it sells, I’ll have a significant amount of money to manage wisely. I’m debt-free and have family I’d like to bless, but I also want to make good long-term decisions. Where should I start?
• My boyfriend is 62 and took early retirement. He’s about to receive a profit-sharing payout but has no plan beyond keeping the money in cash. I’m trying to help him figure out what to do with it. What’s the best way to get him started?
• My daughter is a teacher with a pension and many years before retirement. She has about $25,000 in a high-yield savings account. Would opening a Roth IRA at a place like Schwab or Fidelity be the best next step, or should we consider other options for long-term growth?

Resources Mentioned:

• Faithful Steward: FaithFi’s Quarterly Magazine (Become a FaithFi Partner)
• Financial Next Steps After Losing A Spouse by Valerie Neff Hogan, J.D., CFP (Faithful Steward Issue 3 Article)
• Widow Connection
• National Christian Foundation (NCF)
• 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.

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