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Stewardship: Your Monies’ MissionLuke 14:25-35
Tim Nay

Part of Earthly Treasures

January 11, 2026

28 “For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? 29 Otherwise, when he has laid a foundation and is not able to finish, all who see it begin to mock him, 30 saying, ‘This man began to build and was not able to finish.’” —Luke 14:28-30 

Budget = an estimate of income and expenditure for a set period of time. 

Wise stewards budget first. 

THINGS TO CONSIDER FOR A BUDGET:

• Adopt a 70/20/10 or 80/10/10 ratio. 
• Get an estimate of your current income. 
• Write down your current bills/expenditures. 
• Find out where your money is currently going. 
• List what you’d like to see purchased short/long term. (Including retirement) 
• Seek financial advice outside of yourself. 

25 Now great crowds accompanied him, and he turned and said to them, “If anyone comes to me and does not hate his own father and mother and wife and children and brothers and sisters, yes, and even his own life, he cannot be my disciple. Whoever does not bear his own cross and come after me cannot be my disciple.” —Luke 14:25-27 

“If you want to be my disciple, you must, by comparison, hate everyone else—your father and mother, wife and children, brothers and sisters—yes, even your own life. Otherwise, you cannot be my disciple.” —Luke 14:26 NLT 

Money is a tool to build character, not simply comfort. 

“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.” —Malachi 3:108 “First, help me never to tell a lie. Second, give me neither poverty nor riches! Give me just enough to satisfy my needs. 9 For if I grow rich, I may deny you and say, “Who is the Lord?” And if I am too poor, I may steal and thus insult God’s holy name.” —Proverbs 3:8-9 NLT 

6 “But godliness with contentment is great gain, 7 for we brought nothing into the world, and we cannot take anything out of the world. 8 But if we have food and clothing, with these we will be content. 9 But those who desire to be rich fall into temptation, into a snare, into many senseless and harmful desires that plunge people into ruin and destruction.” —I Timothy 6:6-9 

31 “Or what king, going out to encounter another king in war, will not sit down first and deliberate whether he is able with ten thousand to meet him who comes against him with twenty thousand? 32 And if not, while the other is yet a great way off, he sends a delegation and asks for terms of peace. 33 So therefore, any one of you who does not renounce all that he has cannot be my disciple.” —Luke 14:31-33 

We are stewards, not owners. 

34 “Salt is good, but if salt has lost its taste, how shall its saltiness be restored? 35 It is of no use either for the soil or for the manure pile. It is thrown away. He who has ears to hear, let him hear.” —Luke 14:34-35 

Five phrases about salt:

1. “You are the salt of the earth.” (Matthew 5:13)
2. “Don’t rub salt into the wound!”
3. “They are not worth their salt.”
4. “I’d take that with a grain of salt!”
5. “He’s just an old salt!” 
   
   TAKEAWAY: How I manage money impacts the world around me.