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  • Writer's pictureLaToya Westbrooks Keeling

Blending Faith and Finances: How to Incorporate the Two?

In a world where money often takes center stage, it's easy to overlook the importance of integrating faith and finances. However, what if I told you that managing your money in alignment with your faith can lead to financial prosperity and personal fulfillment? 

Welcome to the world of faith and finances where it’s possible to achieve a harmonious balance between your beliefs and your bank account!

This article will explore some ways to blend your faith and finances in a way that is both beneficial for your soul and your wallet. It will help you unravel the intricate relationship between your faith and finances and look at how you can incorporate faith-based investing and financial stewardship into your financial journey.

The Connection Between Faith and Finances

Let's take a moment to uncover the connection between two seemingly different worlds: faith and finances. These two distinct aspects of your life are more intertwined than you might think. Your money isn't just a collection of bills and coins; it's a mirror reflecting your values, often guided by your faith.

Many religious traditions emphasize principles of generosity, stewardship, and ethical behavior regarding wealth. These principles can be applied to financial decision-making, and here's how:

  • Generosity: Most faiths encourage giving back to the community or helping those in need. Incorporating this principle into your financial plan involves setting aside a portion of your income for charitable purposes. It's not just about giving; it's about giving intentionally, in alignment with your faith's teachings.

  • Stewardship: Many religions emphasize the concept of stewardship, where individuals are seen as caretakers of the resources entrusted to them by a higher power. This belief reinforces that our wealth is a blessing from God, not solely for our enjoyment but rather a resource to be managed wisely and responsibly.

  • Ethical behavior: Faith-based financial decisions also involve ethical considerations. These decisions can include avoiding investments or financial practices that conflict with your religious beliefs — for example, refraining from investments in industries like gambling, tobacco, or companies known for unethical practices.

Faith-Based Investing

Faith-based investing dates back hundreds of years in the United States. In the Christian tradition, faith-based investing saw its early seeds sown in the 18th and 19th centuries. Quakers, known for their strong ethical convictions, were among the first to actively avoid investments in companies linked to morally objectionable activities, such as the slave trade, weapons production, or alcohol. Quakers paved the way for the modern socially responsible investing movement.

Faith-based investing, commonly known today as socially responsible investing (SRI), is an approach to investing that considers ethical factors alongside financial considerations. SRI investors seek to align their investments with their values, ensuring that their money supports companies that align with their beliefs.

There is a growing trend among individuals who want their financial investment decisions to reflect their religious convictions. Investors today have many opportunities across a wide variety of asset classes to align their investment portfolios to their values. You don’t need to sacrifice financial returns to stay true to your beliefs.

Some key aspects of faith-based investing include:

  • Screening investments: One of the foundations of faith-based investing is screening investments based on moral and ethical criteria. These criteria vary by faith and individual, but they often involve avoiding investments in companies engaged in activities like alcohol, gambling, or possibly weapons production.

  • Positive impact investing: Faith-based investors often seek opportunities to impact society positively. This might involve investing in companies committed to social responsibility or those that support humanitarian causes.

  • Faith-centric funds: Many financial institutions offer faith-based investment funds tailored to specific religious affiliations. These funds follow a predetermined set of ethical guidelines aligned with a particular faith, making it easier for individuals to invest in harmony with their beliefs.

  • Consult with a financial advisor: It's advisable to consult with a financial advisor who understands your faith and financial goals. An advisor can help you build a diversified portfolio that respects your ethical principles while aiming for financial growth.

Financial Stewardship

Financial stewardship is a concept deeply rooted in many faiths, emphasizing responsible management of financial resources. Here are some ways you can incorporate financial stewardship into your life:

  • Budgeting: Financial stewardship begins with creating a budget. Setting financial boundaries, prioritizing spending, and tracking expenses help you manage your resources more wisely, ensuring you use your wealth for purposes that align with your values.

  • Living below your means: To truly practice financial stewardship, strive to live below your means. Avoiding excessive debt and lavish spending allows you to save, invest, and allocate more resources for charitable purposes in accordance with your faith.

  • Emergency fund: Faith-based financial stewardship suggests having an emergency fund in place. It's a practical financial step and aligns with the principle of being prepared for unforeseen challenges, allowing you to help others in need.

  • Wise investing: Financial stewardship entails making wise investment choices. Diversifying your portfolio, understanding your risk tolerance, and regularly reviewing your investments are integral parts of this process.

  • Seek advice: As with faith-based investing, consulting a financial advisor who shares your values can be a valuable step in your financial stewardship journey. They can provide guidance on building a comprehensive financial plan that includes retirement, estate planning, and long-term goals that align with your values.

Financial stewardship is essential for achieving financial stability and peace of mind. By managing finances responsibly, you can alleviate financial stress and focus on your spiritual growth and personal goals.

The Joy of Giving

It's often said that giving is more blessed than receiving, and this sentiment rings true when it comes to faith and finances. Incorporating generosity into your financial plan not only adheres to your faith but also brings joy and fulfillment to your life. Studies have shown that people are happier when they are giving. Here are some ways to infuse the joy of giving into your financial routine:

  • Tithing: Tithing, or giving a percentage of your income to your place of worship, is a common practice in many faiths. While the exact percentage may vary, tithing helps you maintain a sense of financial stewardship and generosity.

  • Charitable giving: Beyond tithing, consider setting aside a portion of your income for other charitable causes close to your heart. Donating to charities, nonprofits, or community organizations can profoundly impact those in need.

  • Volunteering: Giving isn't just about money; but also your time and skills. Volunteering your time to support causes aligned with your faith can be a fulfilling way to give back.

  • Teaching the next generation: Encouraging your children to participate in charitable activities can be an invaluable way to pass on the values of faith-based financial stewardship. It instills in them a sense of responsibility and the joy of giving.

Navigate Your Path of Faith and Finances With Wealthly

Incorporating faith and finances into your life might seem challenging, but it doesn’t need to be. It can be an enriching and fulfilling journey. Faith-based investing and financial stewardship are powerful tools to ensure that your financial decisions reflect your deepest beliefs and values. As you navigate this path, remember that achieving the right balance between faith and finances is a personal endeavor. 

So, whether you earn a six-figure income or are just starting, consider how faith-based investing and financial stewardship can help you achieve your financial goals and find deeper meaning and purpose in your financial journey. To see if I can help you find the right relationship between your faith and finances, email me at or click here to fill out a contact form today. I’ll be in touch soon!

Your faith can be a guiding light in your financial decisions, helping you become a wise steward of your resources and a beacon of hope for others in need.


Content in this material is for general information only and is not intended to provide specific advice or recommendations for any individual.

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