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Experience God as Your Provider: Finding Financial Stability in Unstable Times

Experience God as Your Provider: Finding Financial Stability in Unstable Times

by Brian Kluth, Stan Guthrie

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We are at a unique time in American history and our personal history when we need real help, real hope, and real answers for the day to day realities we’re facing. We live in a financial and work world that is experiencing rapid and unprecedented changes.

It is as if Americans have spent years building their financial houses that were like sand castles on


We are at a unique time in American history and our personal history when we need real help, real hope, and real answers for the day to day realities we’re facing. We live in a financial and work world that is experiencing rapid and unprecedented changes.

It is as if Americans have spent years building their financial houses that were like sand castles on the beach. For a long time many of our sand castles looked beautiful and kept getting bigger in the sunshine of the day. But now strong ocean tides and ground-shaking tremors beyond our personal control are beginning to move in and our sand castles are beginning to crack and their very existence is being threatened.

This book was written to help you “consider your ways” and to consider God’s Word. Explore the idea of experiencing God as your provider, begin to build your finances and life on the solid Rock of God's Word, and learn to become a generous person. This book is filled with Scriptures that will instruct and true stories that will inspire. This is not a money management book, but rather it is a book that will help you manage your life under leadership of Christ.

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Moody Publishers
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Read an Excerpt


Finding Financial Stability in Unstable Times
By BRIAN KLUTH Stan Guthrie

Moody Publishers

Copyright © 2010 Brian Kluth
All right reserved.

ISBN: 978-0-8024-4425-7

Chapter One


Several years ago I did an all-day seminar in Eastern Europe for about a hundred people. The seminar was about what the Bible teaches regarding finances, provisions, and generosity.

After the seminar an older man came up to me and told me that for the first time in his entire life he heard the truth. I asked him what he meant. He replied,

For many decades our country was a communist country. During these years we were told that the government owned everything and that the government would provide for all of our needs. But this didn't work. Then communism fell and many people came to our country and told us about capitalism. They taught us that we were the owners of our own possessions and destiny and that we needed to take care of our own needs. But for most people, this has not worked. Today, I learned about Christianity. You have taught me that God is the true Owner of all things, that we are to serve the Lord, honor Him with our lives, share whatever He gives us, and that God will be our Provider.

For this man, communism was a lie, and he felt that capitalism was a halt-truth that only worked for some. But Christianity is true and works for everyone who is willing to follow Christ and His Word.

You see, the great news is that God is bigger than nations, economies, stock markets, currencies, and job markets. When we begin to understand this we don't have to live in fear but we can live in faith in a God who can provide for us in good times, bad times, and the in-between times.

If you work for a company, it is your employer, but God is your true Provider. What would you rather have in life-what your company can pay you or what God can provide for you? And I don't mean this in a skewed way that relies on a greed-based prosperity gospel message. I mean it in a way that helps you understand God as your heavenly Father who cares about your needs (not your greeds!), who can show His love for you and provide for you.

Let me explain the idea of God's ownership in our work world in another way. My friend Shari works for a bank, and the bank was recently bought by Wells Fargo and billionaire Warren Buffett. Understandably, in these uncertain economic times, this new ownership made the employees nervous. And why not? Everyone thinks that Buffett owns Wells Fargo, and no one knows what he may do to make Shari's bank more profitable. Like many company leaders focused on the bottom line, he may decide to cut staff, reduce benefits, and close some departments or branches.

We've all become accustomed to downsizing, or "right-sizing," after one company buys another. This is an unavoidable fact of life in our capitalist society. It's an old story, one that many of us are familiar with. Big fish eat smaller fish. The new owners get to call the shots because they have put up the capital and thus have earned the right to put good workers like Shari onto the street of if they want in pursuit of a healthier bottom line.

There's only one problem with this scenario. Warren Buffett does not own Wells Fargo. I'll acknowledge that Buffett may invest the money, place his own hand-picked team into Wells Fargo's management, bring in new bosses, lay off office workers, and have his own special parking spot in the Wells Fargo lot. But he does not actually own the company, nor do its shareholders. This question about "Who owns Wells Fargo and who is Shari's real boss?" isn't about communism, socialism, or capitalism. It isn't a political question, a social question, or even an economic question. It's a theological question-and a basic one at that. Warren Buffett, you see, for all his business skill and prowess, is merely a temporary steward of Wells Fargo and of all the bank employees. He is a manager of what God has entrusted to him during his lifetime. A steward manages the wealth of someone else, not his or her own. A steward will also be held responsible for how well he managed the owner's assets. Warren Buffet is ultimately responsible to God for what he does with the Lord's resources and the people who are entrusted to him during his lifetime.

Warren Buffett is a temporary steward, because he does not own Wells Fargo. Who does? Why, God, of course! Ultimately, God is the Provider and the Owner of ALL things in life. We work and plan and produce from what God provides for us, but ultimately it all goes back to God, because He holds the deed. This truth hasn't changed, and it won't change. It has been that way, it is that way, and it will continue to be that way. As the Bible says, "The world is mine and all that is in it" (Psalm 50:12). People-you and me, and even the Warren Buffetts of this world-are only temporary stewards.

Of course, being a steward isn't bad news-at least not for the Christian. It's extremely good news. That's because Christian stewards are taken care of by the Owner of all. God is not a miser seeking to hoard everything for His own benefit, but a Giver, a Sharer, a Provider.

Getting back to Shari and Wells Fargo, we can trust the God who ultimately owns the bank to faithfully care for His stewards-not because He has to, but because He wants to. The Owner, you see, is also a Father. And fathers provide for their children. God is both the ultimate Father and the ultimate Provider for those who put their trust in Him. No wonder Jesus says, "If you, then, though you are evil, know how to give good gifts to your children, how much more will your Father in heaven give good gifts to those who ask him!" (Matthew 7:11).


So if our Father is also our Provider, how does God provide out of His limitless wealth for His children? Well, for most people at most times, Provision No. 1 is our employment-what we do to produce income for our daily bread. God's main provision for our lives, for most of us, comes through our work. Sometimes, of course, after a bad day at work or wrestling with our vocational call, we're tempted to wonder whether we really want this provision. Work is, well, work. We sometimes come home tired, sore, or discouraged from our jobs. We think that work is part of the curse that flowed to humanity because of our sinfulness. Didn't God say to Adam, "By the sweat of your brow you will eat your food" (Genesis 3:19)? But if we back up in Scripture to the beginning, we discover that "the Lord God took the man and put him in the Garden of Eden to work it and take care of it" (Genesis 2:15). In a perfect environment, with a perfect Boss, Adam and Eve were created by God to be productive-to be fruitful. Since work existed in Paradise before the curse, it cannot be intrinsically evil. In fact, as the main portion of God's provision for us, it is inherently good. Yes, the fall has made work difficult, but the Father's redeemed children have the opportunity to see their work redeemed as well.

I am often asked to do guest preaching and seminars in churches around the country. During my message, I will often ask people to raise their hands if they get a paycheck from a company or organization. I then like to remind everyone that whoever gives them their paycheck is not their provider, but their employer. God may use an employer to help provide much of what you need in life, but God is so much bigger than your employer. I also encourage people to see that when they give financially to God as their highest financial priority that they are declaring to themselves and to the Lord that God is their Provider. Think about it. What would you rather have in life-what a company can pay for you or what God can provide for you? God is so much bigger than a paycheck, a pension, a company position, the stock market, and even our economy. Since He owns everything, He can provide the very things you need in life.

So, while God will use our employment to provide, He is not limited to what your company can do for you. But while we work for our employer, we need to be the best employee we can be while realizing that God is our ultimate Provider.

Work was part of Adam's life before the fall and after the fall. Work will be part of your life in this world and the world to come. If we go back to Adam's job resume, we discover that the oldest profession in the world is that of zoology. The Bible says that the Lord God formed out of the ground all the beasts of the field and all the birds of the air. He brought them to the man to see what he would name them; and whatever the man called each living creature, that was its name. So the man gave names to all the livestock, the birds of the air, and all the beasts of the field (see Genesis 2:19-20). As God's steward, Adam was to lead, rule over, and bring order to God's creation. So his first task was to give names to all the livestock, the birds of the air, and the beasts of the field.

God provides the work. He also provides us with the ability to do the work. Psalm 90:17 is a great illustration of this principle. First the psalmist says, "May the favor of the Lord our God rest upon us." This is a sensible outlook. We need God's favor for everything, of course-our families, our ministries, our health, our relationships. But in this discussion, we focus on the fact that we need God's favor for the work He provides. The psalmist's wish quickly turns into a request, a prayer: "Establish the work of our hands for us-yes, establish the work of our hands."

When we understand that we are working for and with God instead of working for a paycheck, our whole attitude will change. I know of one woman who worked in a dirty factory. For many at her company their jobs were sheer drudgery. But when someone at church asked her what she did for a living, she replied, "I am a Christian serving the Lord to reach people with the love of God in my factory. But God has disguised me as a third shift welder to get me around the people He wants me to reach for Him." Wow! What a great attitude and perspective.

So, no matter where God places us, He can use us and He can provide for us.

May we all pray to God, "Establish the work of our hands." A lot of people approach life this way: "I'm going to major in a lucrative field, get a high-paying job, and be successful. With my money I'm going to buy all I want. I'll put my kids into the finest schools, buy a vacation home, and retire early." They think, like the rich man in Jesus' parable, that life consists in the abundance of their possessions. Then, like so many in our uncertain economic times, they lose it all, and someone else gets what they have worked so hard for. When we try to establish the work of our hands, we will fail-if not materially, then spiritually. Failure comes when we stewards take God's provision and act as if we own it and can dispose of it as we wish.

Don't ever go to work just for the money. Don't work for a paycheck; work for God. Paychecks come and go, but God remains, and only He can establish the work of our hands. Does this mean that only those in "full-time Christian service"-pastors and missionaries, mostly-can work for God? Not at all! God has created all of us with unique gifts, talents, skills, and opportunities. As Ephesians 2:10 notes, "For we are God's workmanship, created in Christ Jesus to do good works, which God prepared in advance for us to do." This encouragement is not just for pastors and missionaries-though they get to rejoice in it too-but for every Christian. We all have been created specifically by God to do specific good works, and many of them come in and through our work.

To do those good works, we need to pursue things that glorify God and bring blessing to others, knowing He has prepared us to do them. Work is not about a paycheck-though a paycheck may be involved. Work is about finding and following through on God's unique vocational calling in our lives.

I realize that some people might think, if it's not about doing anything just to get a paycheck, how will we survive? We have obligations and responsibilities for ourselves and others. We need food, shelter, and clothing, at a minimum, and our hectic twenty-first-century society tries to convince us we need a whole lot more. If our primary commitment is to focus on glorifying God and serving others-what we can give rather than what we can get-how will we meet our legitimate needs and responsibilities? Who will look out for us?

Again, remembering that God is our Provider allows us to do what others consider to be impossible. Jesus put it simply: "But seek first his kingdom and his righteousness, and all these things will be given to you as well" (Matthew 6:33). The question is not whether God will bring His provision into our lives, but whether we have the faith to believe it-and act upon it.

Let me explain how this works-or, at least, how it's worked in my life. When I first came to know Jesus Christ as my Savior and Lord as a college student, I was bartending in a nightclub to make money. After I became a Christian, I realized that what I was doing was not pleasing to the Lord and it certainly wasn't beneficial to our customers. I needed the money, but I wasn't comfortable doing what I was doing. So, I prayed about what to do and sought the counsel and prayer of godly people I knew. Ultimately, I turned in my resignation even though I didn't know what would happen next or how I would make the money I needed to live on.

After I resigned the Lord led me to return to my hometown and provided a better job with a company that allowed me to honor God and serve others in a positive way in my life. When I made the decision to resign, I was declaring to myself and the Lord that He was going to be my Provider and that I would look to Him to lead me and guide me. Proverbs 3:5-6 exhorts, "Trust in the Lord with all your heart and lean not on your own understanding; in all your ways acknowledge him, and he will make your paths straight." I was on a crooked path and God helped make my paths straight.

While making a decision to honor God is not always easy, I can testify to the truth of Philippians 4:19, which says, "And my God will meet all your needs, according to his glorious riches in Christ Jesus." Therefore we can pray with confidence, "God, establish the work of our hands."


God our Provider has a plan to allow us to glorify Him and bless others. He promises to meet our needs as we labor in those things to which He has called us. Many times He provides through a regular paycheck. Sometimes He provides us with extra work or income. We might get a raise, a commission, a bonus, overtime pay, freelance work, a home business, refunds, or rebates. These blessings, just as much from the hand of God as our regular employment, seem to be serendipitous extras, to spend as we please. We forget that God has brought even these extras into our lives, and they belong to Him. As Deuteronomy 8:17-18 says, "You may say to yourself, 'My power and the strength of my hands have produced this wealth for me.' But remember the Lord your God, for it is he who gives you the ability to produce wealth."

Every financial blessing in life comes from God. It's God's blessing, God's resource, God's kindness, and God's mercy. Yes, it can be used to benefit you, but perhaps God wants to do something else with it. Not long ago I was having breakfast with someone who was visiting from England. At the end of the breakfast we stood to leave and he said, "God is prompting me to give you $100," and he gave me a $100 bill. Imagine that! Someone handing you an unexpected $100 bill because God told him to do so. What would you do with an unexpected and extra $100? Before I could even think about how I was going to use this money, the Lord spoke to my heart and said, "This isn't for you, this is for someone else." So I immediately told the man from England, "Thank you for this gift, but I want you to know that this isn't for me. Someone else needs this more than I do, so I'm just going to keep it in my wallet until God shows me that person. Somewhere along the way I'm going to give this to someone and I will tell them that God had a man in England give this to me so that I could give this to them to meet a special need in their life."


Excerpted from EXPERIENCE GOD AS YOUR PROVIDER by BRIAN KLUTH Stan Guthrie Copyright © 2010 by Brian Kluth. Excerpted by permission.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

What People are Saying About This

From the Publisher


“If you or someone you know has any financial concerns about the future, this is a must read book.”

Howard Dayton
Founder/CEO of Compass, Co-Founder of Crown Financial Ministries, and author of Money and Marriage God's Way.


“Change your financial relationship forever…reading this book will bring you closer as a couple and get you on the same page in helping you understand how God is your ultimate Provider.”

Scott and Bethany Palmer
The Money Couple from ABC News and authors of First Comes Love, Then Comes Money


"All financial security begins with understanding God as our faithful and certain provider. . . I endorse this book wholeheartedly!"

Ron Blue
President, Kingdom Advisors



“Brian Kluth has long been a trusted leader and guide in the arena of financial stewardship. His speaking and writing have served countless Christians in many nations. Experiencing God as Your Provider is full of helpful insights and encouraging stories. I’m happy to recommend this book."
RANDY ALCORN, Bestselling author of The Treasure Principle and Money, Possessions, and Eternity


“The Biblical truths and true stories in Brian’s book will help inspire anyone and everyone that God is their true Provider.  If you or someone you know has any financial concerns about the future, this is a must read book.”

Howard Dayton, Founder/CEO of Compass, Co-Founder of Crown Financial Ministries, and author of Money and Marriage God's Way.


"Brian Kluth is a well-respected financial teacher all over the world.  In this book, Brian challenges us to explore the most important financial principle of all time:  God is our Provider and we can fully trust in Him.   This book will help anyone successfully navigate the turbulent waters of these unstable economic times."

Dr. Andrés G. Panasiuk, President of Global Freedom Concepts and former Intl VP of Crown Financial Ministries in Latin America


"All financial security begins with understanding God as our faithful and certain provider. Brian Kluth has demonstrated this in his own life and has been a consistent communicator of this reality in everything he has written and every message he has given. I endorse this book wholeheartedly!"

Ron Blue, President
Kingdom Advisors


“Change your financial relationship forever…reading this book will bring you closer as a couple and get you on the same page in helping you understand how God is your ultimate Provider.”

Scott and Bethany Palmer, The Money Couple from ABC News and authors of First Comes Love, Then Comes Money


“Brian Kluth is a superb communicator and models depending on God as his Provider.  You will be personally inspired and challenged as you get a glimpse into the heart of this man of God through this book.”

Dan Busby, President, Evangelical Council for Financial Accountability (ECFA)


“God has uniquely called and gifted Brian Kluth to help people discover that God is their true Provider.  I have watched Brian personally live out this truth in his own life.  This book will give biblical instruction, proven ideas, and personal inspiration to all who read it.”

Wesley K. Willmer, SVP of ECFA (Evangelical Council for Financial Accountability) and editor of the Revolution in Generosity book


"The insights and stories in Brian's book will take your spiritual and financial life to a whole new level."  
LEE JENKINS, President of Lee Jenkins Financial Ministries, Financial Advisor, and Bestselling Author of Lee Jenkins on Money

Meet the Author

Brian Kluth is a bestselling financial author, speaker, media guest, and pastor. His 40 Day Journey to a More Generous Life Bible devotional has 500,000 copies in print and is being translated into over 40 foreign languages. Kluth¿s www.GiveWithJoy.org radio stories and eDevotionals are shared with radio listeners on over 200 stations nationwide. He has been a popular guest speaker for churches and conferences, including NRB, GMA, ECFA, CLA, and Moody Pastors¿ Conference. He founded the www.MAXIMUMgenerosity.org website and eNewsletter that is sent to over 12,000 pastors and leaders in over 150 countries. He has had media interviews with major magazines, newspapers, and media outlets, including NBC-TV, CBN-TV, Kiplinger¿s Money magazine, Money Matters, Christianity Today, Chronicle of Philanthropy, and radio programs across the country. Brian lives with his three teenagers in Colorado Springs, CO.

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