Invest like The LORD of Wealth

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Invest for Higher Returns

There are incredible examples in history of how God blesses people to do amazing things. There is typically nothing special about the people, but that God uses ordinary people to reveal His love and power through them to others. Jesus gives great insight for the proper management of God’s blessings, starting with the ones He has already given us.

Parable of the Minas (Luke 19: 11–26 — ESV)

11 As they heard these things, he proceeded to tell a parable, because he was near to Jerusalem, and because they supposed that the kingdom of God was to appear immediately. 12 He said therefore, “A nobleman went into a far country to receive for himself a kingdom and then return. 13 Calling ten of his servants, he gave them ten minas, and said to them, ‘Engage in business until I come.’

Servants of Christ know that the master will return at some point. Until He does, He has given us equal opportunity, and equal responsibility, to use His resources effectively and efficiently for His purpose, including engaging in business and trade.

He has not, however, given us equal amounts of resources. How does God determine how much to give each of His servants?

Matthew 25:15 To one he gave five talents, to another two, to another one, to each according to his ability. Then he went away.

God sows blessings generously, but He gives according to our abilities.

14 But his citizens hated him and sent a delegation after him, saying, ‘We do not want this man to reign over us.’ 15 When he returned, having received the kingdom, he ordered these servants to whom he had given the money to be called to him, that he might know what they had gained by doing business.

Some chose not to follow Christ; but regardless, there will be an accounting of the blessings He freely gave us when He returns. For His servants it will not be to punish them, but to reward them more.

16 The first came before him, saying, ‘Lord, your mina has made ten minas more.’ 17 And he said to him, ‘Well done, good servant! Because you have been faithful in a very little, you shall have authority over ten cities.’ 18 And the second came, saying, ‘Lord, your mina has made five minas.’ 19 And he said to him, ‘And you are to be over five cities.’

Permanent heavenly rewards are directly connected to our management of our current temporary resources. Notice the faithful servants returned all the master’s money as well as all the earnings. By serving the master, they knew their personal needs would be taken care of. His servants are rewarded regardless of the return but proportionate to the return.

20 Then another came, saying, ‘Lord, here is your mina, which I kept laid away in a handkerchief; 21 for I was afraid of you, because you are a severe man. You take what you did not deposit, and reap what you did not sow.’

God invests in people for his investment return. He gives to His servants expecting us to manage on His behalf. God then is due the glory of the investment since He was the source of it. Some will choose to do nothing with God’s gifts. Fear can render us worthless for Christ.

22 He said to him, ‘I will condemn you with your own words, you wicked servant! You knew that I was a severe man, taking what I did not deposit and reaping what I did not sow? 23 Why then did you not put my money in the bank, and at my coming I might have collected it with interest?’

It is wicked to hoard and hide God’s blessings. The worst thing we can do as His servants is nothing. He wants us to do something for Him; anything. We should not wait around for the perfect opportunity because it may never come. The least we can do is hand over the management of our blessings to someone else who will do something with them (make sure they will be used for His glory); but there is a far greater reward (not necessarily monetary) for keeping the control and using our blessing to the best of our abilities.

24 And he said to those who stood by, ‘Take the mina from him, and give it to the one who has the ten minas.’ 25 And they said to him, ‘Lord, he has ten minas!’ 26 ‘I tell you that to everyone who has, more will be given, but from the one who has not, even what he has will be taken away.

Fear is the lack of faith in God; lack of faith keeps us from receiving heavenly rewards. Having resources, and increasing them, is evidence of faith and proper management. Proper management of resources attracts more resources. God incentivizes us to grow our abilities to manage more of His resources and blessings to share with more people. However, the purpose is still for God’s glory, not for ours. We must be careful to keep the focus on God and His vision for us.

Matthew 25:30 — And cast the worthless servant into the outer darkness. In that place there will be weeping and gnashing of teeth.’

Our management of resources reflect our beliefs; our beliefs determine our eternal destination.

  • What resources has God blessed us with?
  • Are they available for us to manage and “invest” or have we given our blessing to someone else to manage?
  • How can we take control of our blessings to begin seeking greater rewards?
  • What does it mean to invest in people for Jesus?
  • What is the outcome God wants in our management of His resources?

Exchange Worth Less Resources for Greater Wealth

Jesus tells us how to invest resources properly for His purpose and our benefit.

The Parable of the Dishonest Manager (Luke 16:1–13 — ESV)

9 And I tell you, make friends for yourselves by means of unrighteous wealth, so that when it fails they may receive you into the eternal dwellings.

The wealth of our current world is temporary and imperfect. We should use these less valuable resources to gain more valuable resources; which are ultimately friends for eternity. Relationships are the investment return God desires, not material possession. By increasing our wealth and abilities, we can maximize our capacity to impact others for Christ.

How many people are impacted when a new business or ministry is created or expanded?

10 “One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much. 11 If then you have not been faithful in the unrighteous wealth, who will entrust to you the true riches? 12 And if you have not been faithful in that which is another’s, who will give you that which is your own?

Heavenly wealth is dependent on our management of current, temporary wealth. Heavenly wealth will be tremendously greater than any temporary wealth we can accumulate currently, and we will be the owners of it, not only the managers, forever.

13 No servant can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”

We all will serve something; we must choose what that something is. Will it be resources, relationships, feelings, desires, knowledge, etc.; or will we serve the loving God who gave us all these things? To serve God and not money also means, we should serve God and be masters of money. To master anything, we must first choose our master, which should be greater than any ‘thing’ and greater than ourselves.

How can we practically apply Jesus’s teachings from these parables to properly manage money and wealth today?

Be Doers, Not Just Hearers

Jesus tells us what he wants us to do. It’s up to us to determine if we believe Christ or not and take the appropriate steps in faith with Him.

James 1:22–25 But be doers of the word, and not hearers only, deceiving yourselves… he will be blessed in his doing.


We must:

  • Acknowledge God as the owner of everything, including us, and the source of all blessings.
  • Thank God for his wonderful blessings and resources no matter the portion size.
  • Receive God’s resources as a blessing to help us grow and mature.
  • Manage God’s resources according to our abilities.
  • Leverage temporary, worldly wealth for more valuable assets rather than hoard in fear.
  • Do something to gain more blessings and resources.
  • Seek help from others as needed.
  • Invest God’s resources in others to help them grow and mature.
  • Serve God with everything we are and have.
  • Be ready to receive more opportunities and responsibilities.
  • Become masters over money, wealth, and everything else.
  • Believe that Christ will return to be with us.
  • Believe that He will take an account of our management to determine our eternal rewards.
  • Look forward to, exponentially greater, “true riches” of our own with eagerness.

Do we believe God in His promises to us as spoken in His word?

Do we want to follow Him in all we do? If so, we must try to live out His word daily as doers, not just hearers.

How is His word applied to investing?

It seems God’s design for proper investing is done by us directly. There are amazing opportunities to start new or grow existing ministries, businesses, and projects by people who love God and want to share His love directly with the people around them. All our time, talents, and treasures should be used to maximize our abilities for His purpose. It seems the reason so many opportunities are missed are the availability of capital to fund them. We know God has blessed us tremendously, but are we using the correct tools to capture, store, and utilize the financial resources according to His design?

There are very few financial tools that:

  • Have the correct ingredients to incentivize personal productivity and personal responsibility the way Christ calls us to live.
  • Allow us to safely store as much of God’s financial blessings as He gives us.
  • Give us the flexibility to invest according to our abilities and within our sphere of influence.
  • Automatically increase in power and value, while being available to use without consequences.
  • Can expand as the owner’s abilities grow.
  • Are easily learned to manage and use and easily teachable to others.

Note: Sometimes an idea or concept can be difficult to learn, at first, because it is a different way of thinking. Sometimes we must unlearn some things before we are fertile soil, ready to learn new things.

There is a financial tool that has these key ingredients to function as described. It was created hundreds of years ago by like-minded people coming together in agreement to pool their resources for mutually beneficial needs. Its capabilities were fully discovered, implemented, and taught for many decades by R. Nelson Nash. He eventually wrote a book titled Becoming your Own Banker: Unlocking the Infinite Banking Concept. This 92-page book may be the most valuable book about personal finance other than the Bible. His second book is a great addition, titled Building your Wearhouse of Wealth. Mr. Nash’s work is true to God’s design for us to be good stewards of God’s blessings to invest in His people, starting with me.



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Austin L Garner

Austin L Garner

Founder of Disciple Wealth Strategies. Serve God & Master Money (Luke 16:13)