Raising financially wise children in today’s culture is more challenging than ever, in a culture where the expectation is instant gratification. As Christian families building legacies that last, we understand that passing down material wealth alone isn’t enough. True legacy is spiritual—it’s about passing down wisdom, character, and values that endure for generations. One of the most impactful areas we can shape our children’s future is in teaching them how to manage money God’s way.

The Bible says in Proverbs 22:6, “Train up a child in the way he should go; even when he is old he will not depart from it.” Financial literacy, rooted in biblical stewardship, is part of that training.

Raising Financially Wise Children: Why It Matters

In today’s culture of instant gratification and financial confusion, our children are constantly exposed to messages that value spending over saving, debt over discipline, and self over service. Without intentional teaching, they may grow up without the tools to manage wealth—or worse, be managed by it.

But when children are raised to view money as a tool to serve God and others, they gain more than financial skills—they gain kingdom perspective.

Raising Financially Wise Children: Biblical Foundations to Teach

Here are five key biblical principles we can pass on to our children to help them become financially literate and spiritually grounded:

God Owns Everything

“The earth is the Lord’s and everything in it.” – Psalm 24:1
Teach your children early that money doesn’t belong to us—it belongs to God. We are stewards, not owners.

Work is Good

“Whatever you do, work heartily, as for the Lord…” – Colossians 3:23
Encourage a strong work ethic. Chores, part-time jobs, and volunteer work instill discipline and value for effort.

Save Wisely

“The wise store up choice food and olive oil, but fools gulp theirs down.” – Proverbs 21:20
Help children understand the importance of saving before spending. Open a savings account or teach them to set goals for their money.

Avoid Debt

“The borrower is slave to the lender.” – Proverbs 22:7
Explain how debt can limit their freedom and ability to give or invest. Encourage them to wait and save rather than borrow impulsively.

Give Generously

“God loves a cheerful giver.” – 2 Corinthians 9:7
Model generosity as a family. Let them give part of their allowance or earnings to church or a cause they care about.

Raising Financially Wise Children: Practical Ways to Start Early

  • Use three jars or envelopes labeled Give, Save, and Spend to teach money allocation.
  • Involve them in family budgeting—show them how you make financial decisions.
  • Let them make mistakes in small ways—learning is best through experience.
  • Talk openly about money and God’s role in providing and guiding.

Building a Lasting Legacy

As a Christian legacy business, your role in your children’s financial formation is part of a bigger mission. You’re not just teaching money management—you’re nurturing wise stewards, future leaders, and faithful givers. When we equip our children with both knowledge and biblical values, we set the stage for a legacy that blesses not only them, but generations to come.

As Psalm 112:1–2 says:
“Blessed is the man who fears the Lord… His offspring will be mighty in the land; the generation of the upright will be blessed.”

Let’s raise up that generation—financially wise, spiritually grounded, and ready to carry the legacy forward. Generations down the road are counting on it.

Yours for a Thriving Legacy,
Jeff Rogers