Church Math

Malachi 3:8-12

Will man rob God? Yet you are robbing me. But you say, “How have we robbed you?” In your tithes and contributions. You are cursed with a curse, for you are robbing me, the whole nation of you. Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need. I will rebuke the devourer for you, so that it will not destroy the fruits of your soil, and your vine in the field shall not fail to bear, says the Lord of hosts. Then all nations will call you blessed, for you will be a land of delight, says the Lord of hosts.

By Chuck Griffin

I should begin with a big word of thanks to all of you who have supported a church financially in any way. Those of us who lead churches don’t say thanks enough to those of you who support Christ’s mission with your dollars.

So, thanks be to God for you; thanks, whether you gave a dollar or a thousand dollars or twenty thousand dollars. When you give, you are part of the solution the church offers to the world.

I wanted to start out with words of thanks because today’s verses, read without much context, sound like a mixture of threats and promises tied to whether you tithe and give other offerings. Don’t tithe, and you are robbing God and faced with a curse. Do tithe, and you will receive an overflowing blessing. And I know that preachers often imitate this text, making threats and promises where church giving is concerned.

I will note that Malachi is the last book of the Old Testament in our Christian Bible, so we should expect more legalistic formulas for relating to God. Jesus Christ, the ultimate expression of God’s forgiving grace, is not yet visibly in the picture.

I don’t, however, want to simply write off Malachi’s words about tithes and offerings as somehow irrelevant. In fact, this minor prophet makes a major connection between what he says about tithes and offerings and the reasons for Christ’s entry into the world.

Malachi’s straightforward question, “Will anyone rob God?” comes in the midst of other, more mysterious and far-reaching words. Just before he speaks of tithes and offerings, the prophet has been speaking of a coming messenger, to be followed by the arrival of the Lord. These words long have been associated with the ministry of John the Baptist—the Messiah’s herald—and the coming of Jesus Christ.

After Malachi speaks of tithes and offerings, he raises a new subject, how God will respond to the faithful. That leads ultimately to prophecies about “the great and terrible day of the Lord,” a time when the wicked and righteous are finally sorted, with the righteous entering a glorious new life. These images remind me of Jesus’ more detailed words in Matthew 25:31-46, where he makes clear that he will be the one to do the sorting.

All of that Messiah and End Days imagery, with talk of tithes and offerings sandwiched in between, causes me to reconsider my understanding of tithing. In fact, that big-picture perspective is what should convince us to tithe.

Certainly, tithing was part of the Mosaic law, the code the Jews tried to live by to remain in relationship with God. It’s important to note, however, that tithing predated the law.

Tithing also didn’t just go away after God’s grace more clearly entered the picture through Christ. Consider this: How did the early church, made up largely of Jews used to tithing, respond to the resurrected Jesus? Rather than shrinking their giving, they gave everything they had. (See Acts 2:43-47.)

If we could interview them, I think we would be hard pressed to find an early Christian who would describe tithing as anything more than a starting point in support of God’s redemptive work.

Scripturally, tithing for thousands of years has served as the baseline for how we participate in God’s effort to move us toward a time when evil is vanquished for good. In the world we live in now, a world where money is the primary driver behind how everything works, we still have to talk frankly about how money gets into church coffers. It gets there because people like you make commitments that the money will be there, and I think the tithe remains the appropriate beginning point for Christian giving.

Here’s a little church math to consider. As best I can tell, United Methodist households in churches I have served give about 4 percent of their income toward the work of their churches. That’s an average covering every active household, whether a household gave nothing or thousands of dollars.

If we could raise that average by one percentage point, incredible things would happen. A percentage point doesn’t sound like much, but if churches would move from an average of 4 percent per household to an average of 5 percent, our funds for ministry would jump by 25 percent.

I dive into this church math for one reason. I want you to see there is increasing power as we move toward tithing in a community, the kind of power that helps change the world.

With more finances available, we could tell more people about Jesus. We could feed more people and clothe more people in Jesus’ name.  We could do more for our children and youth and our homebound elderly. We could start ministries we have yet to imagine.

Maybe we would minister with more programs and facilities to serve the people we’re trying to reach. Maybe we would reach out to the community with more paid ministry staff to lead the way. However our churches might minister, lives would be changed, even more so than they are being changed now.

Here’s what I want you to walk away with today: You are not required under some sort of law to tithe, or to give at any level. As grateful recipients of God’s eternal grace, however, you are invited to participate in God’s restorative work, using the financial resources God has given you.

Lord, speak to our hearts directly about how we use our resources to benefit your kingdom. Amen.

Giving and Receiving

Proverbs 3:9-10

Honor the Lord with your substance
    and with the first fruits of all your produce;
then your barns will be filled with plenty,
    and your vats will be bursting with wine.

As we launch into the first work week of 2021, let’s think about what we plan to dedicate to the Lord this year, supporting the work of the church.

It’s good to start a new year deliberately praying about how we will participate through our tithes and offerings in the kingdom work that will happen. If we seek guidance from God, we will find clear answers, and from there we can make commitments satisfying to our souls.

In the Old Testament, a “tithe” usually is a reference to 10 percent of what a herd or field produces. That concept, of course, can apply to monetary income, too.

Mainly, I want us to understand the value of thinking in percentages—a percentage commitment can be made before we know for sure what we will receive. Wherever I have led as a pastor, I have encouraged people to write down a percentage commitment early in the year and post it where they will see it regularly, for example, on a bathroom or dresser mirror.

Once you’ve faithfully and bravely done all that, the rest is just a matter of following through.

I have to be careful with what I next say. The above proverb also promises abundance to those who make and keep such commitments. I don’t want to sound like a prosperity gospel televangelist, saying $10 will return to you for every dollar you contribute.

But simultaneously, I will always affirm that a life lived with God, a life where we conform our resources to God’s unselfish plan, is better than a life where we simply look out for ourselves. After all, we live as reflections of the God who rained manna where needed, who turned a few loaves and fishes into great abundance, and who gives us eternal life through the cross.

As we are blessed through our close walk with God, we may even find ourselves making offerings above our basic commitments, if for no other reason than to show gratitude.

Lord, guide us in regard to how we are to use our resources in 2021. We trust we will receive our daily bread; knowing that, we seek to better understand the purpose of any abundance we see. Amen.

Giving in Good Times and Bad

By Chuck Griffin
LifeTalk Editor

1 John 2:15-16 (NLT)

Do not love this world nor the things it offers you, for when you love the world, you do not have the love of the Father in you. For the world offers only a craving for physical pleasure, a craving for everything we see, and pride in our achievements and possessions. These are not from the Father, but are from this world.


It’s obvious that Covid-19 has impacted our ability to worship. What may not be so immediately obvious is that the pandemic also has created a stress test for the typical American approach to church giving.

Folks, at this point it is safe to say the stress test has revealed a lot of cracks.

As a pastor, I was concerned about giving patterns long before the pandemic came along. As Methodists, we do not talk about the link between money and ministry the way we should, and we certainly don’t talk enough about what our relationship with money says about our relationship with Jesus Christ.

Let me jump over hurdle number one as quickly as I can. There always will be people who complain when church leaders, particularly pastors, talk about money. But the devil had a good day when he convinced church people to behave as if money is unmentionable.

Sixteen of Jesus’ 38 parables are about how to handle money and possessions. Ten percent of all the verses in the gospels deal directly with the subject of money. How we handle money and possessions needs to be discussed in church regularly.

The Problem

Now, it’s obvious hard times can affect giving in a direct way. When people lose their jobs, it is difficult or impossible for them to give. These are people possibly in need of church assistance, and they should never feel pressured to give.

I’m convinced however, that there are other factors behind the declines in giving some churches are seeing:

First, there’s what I call the movie theater effect. Giving is treated like buying a ticket, so if you don’t go to worship, you don’t buy a ticket. We see this attitude impact giving at other times, too, for example, when there’s prolonged bad weather in the winter.

Second, there’s the impact of increased anxiety—”We had better hold on to everything we have.” If that’s your situation, I will simply ask you to consider who it is that gives you the greatest hope, and how it is he works in this world through us today.

Third, the vision for what we do as the church is fading.  We aren’t entering the building regularly and mixing in Christian community, and we can forget why the church exists. This is largely a communications challenge for church leaders.

The Prayerful Solution

Let me offer us a quick, two-part formula for how to plan our giving. The great thing about this formula is it helps us keep perspective on money and possessions in good times or bad.

Let’s begin by establishing our committed support. Don’t think in dollars, think in percentages. Nearly everyone has some form of income, regular or irregular, a paycheck or a draw taken from a retirement plan.

Make a prayerful, firm decision about what percentage you can share with the church, and then follow through. I encourage people to write the percentage down on a piece of paper and stick it in the corner of a mirror used daily. The number is between you and God.

Here’s why I like for people to think in percentages—your commitment remains the same regardless of whether your financial situation improves or worsens. Years ago, a friend of mine, a committed tither (a giver of 10 percent of his income), lost his job, and was lamenting, “It kills me that I can’t tithe.”

I asked him, “Hey, buddy, what’s 10 percent of zero?”

“Well, zero,” he replied.

“You’re tithing!” I said. “Your commitment remains the same, just as it will when you’re working again.” He’s now doing very well financially, by the way, and I’m sure he’s a tremendous blessing to his church.

We also need to ask God’s guidance regarding our special support. This is when we recognize how blessed we are and go beyond our committed giving to fund something extra we think is important to the kingdom.

When we take committed support and special support of the church seriously, we position ourselves to better understand Jesus’ teachings about the role of money and possessions in our lives. We learn from the experience of planned giving. To some degree, you’ll just have to trust me—try it, as if you’re laying a fleece to receive guidance from God.

Regarding a vision for what the church does: As a pastor, I’m working to do a better job of communicating how churches truly change the world. There are great stories out there. Help me tell them!

Lord, committed givers have sustained your global church in the brightest and darkest days, in the most affluent and in the poorest parts of the world. Help us to better understand how your Spirit provides. Amen.