You just got a surprise $1,000. What do you do?

A) Buy that new gadget or luxury item you’ve been eyeing.
B) Stash it away for a rainy day.
C) Invest it wisely for future returns.
D) Pray first and steward it with intention.

Most people get caught between A and B—either spending impulsively or hoarding it "just in case." But what if I told you neither of those choices truly maximize what God has entrusted to you?

The Opportunity Cost No One Talks About

In finance, "opportunity cost" means choosing one option at the expense of another. But as Christian leaders and stewards, we must take it one step further: Every dollar we manage carries a Kingdom opportunity cost.

• Spend it foolishly? You trade a moment of pleasure for a missed investment in something lasting.
• Save it fearfully? You may avoid risk but also bury your talents instead of multiplying them (Matthew 25:14-30).
• Invest it prayerfully? You align with God’s principles, balancing wise provision, generosity, and growth.

Stewardship Isn’t Just About Saving

Many Christians assume that saving is always the wisest choice. But Jesus didn’t praise the servant who simply preserved his master’s money—He commended those who grew it.

The real question isn’t “Should I spend or save?” but:
💡 How do I steward this resource for the greatest Kingdom impact?

Maybe that means investing in education, giving to a cause, or launching a business that provides for others. True stewardship means putting money to work in ways that align with faith, wisdom, and impact.

Before You Spend or Save, Ask:

✅ Will this purchase bring lasting value?
✅ Does saving this align with wisdom or fear?
✅ Could this be invested for a greater return—financially or spiritually?
✅ Have I prayed for guidance?

The world sees money as a tool for personal gain. But as stewards, we see it as a resource for eternal impact.

💬 What’s your approach to money? Do you lean toward saving, spending, or investing? Let’s discuss! ⬇️