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How to Be a Good Steward

Renewing Your Mind / R.C. Sproul
The Truth Network Radio
September 11, 2026 12:01 am

How to Be a Good Steward

Renewing Your Mind / R.C. Sproul

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September 11, 2026 12:01 am

Stewardship is our responsibility to manage our whole lives as belonging ultimately to God. Today, R.C. Sproul helps us think biblically about stewarding all that the Lord has entrusted to us. With your donation, receive R.C. Sproul's booklet How Should I Live in This World?, his ebook Five Things Every Christian Needs to Grow, and the companion digital teaching series: https://gift.renewingyourmind.org/   Live outside the U.S. and Canada? Request both titles as ebooks and the digital teaching series with your donation: https://www.renewingyourmind.org/global   Meet Today's Teacher:   R.C. Sproul (1939–2017) was founder of Ligonier Ministries, first minister of preaching and teaching at Saint Andrew's Chapel, first president of Reformation Bible College, and executive editor of Tabletalk magazine. Renewing Your Mind is a donor-supported outreach of Ligonier Ministries. Explore all of our podcasts: https://www.ligonier.org/podcasts

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The worst sin. against stewardship. is to waste your life. Because every life that has been placed here by God on this planet, has been placed here to be used to His glory and to serve Him and to honor Him with what you produce and how you live. When people hear the word stewardship, They tend to think of fiscal responsibilities or taking good care of their possessions.

Those aren't incorrect notions, but as we'll see today, biblical stewardship is rooted in God's creation and extends to every part of our lives. Hello and welcome back to Renewing Your Mind. I'm glad you're with us. Today, we reach the end of our study of Dr. R.

C. Sproll's series, Five Things Every Christian Needs to Grow, with the final of those five things, Being a Good Steward. As Dr. Sproll will show us, stewardship is more than merely being kind to nature or managing our time and money well. It involves the whole of our lives.

But here at the end of the week, there is so much more of this series that we'd like to share with you. If you'd like to explore Dr. Sproll's complete 10-part series, please call us with a donation at 800-435-4343. or go online to renewingyourmind.org. you'll receive live-time downloadable access to the whole series.

along with an e-book edition and a bonus crucial questions booklet, which you can learn more about at the end of today's episode. But until then, here's Dr. Sproll. Today, we're going to look at the Fifth. Item that we've been concerned with.

in terms of the five things that every Christian needs to know in order to grow into the fullness of Christ. And you will recall that the first four we've already looked at included how to study the Bible, How to pray. Heart of worship. How to serve. And today we begin a look at the fifth one, which is how to be.

a good steward.

Now keep in mind that we're learning these things.

So that we can take a hold of what we call the means of grace, and those means by which God. Helps us to grow spiritually. And when we think of those means of grace, we don't often think of stewardship as one of them. But in fact, when we look at Scriptures, we see that God uses the disciplines given by the Holy Ghost and the instruction of His Word. To make his people responsible stewards of the gifts that God has bestowed upon him.

And the whole concept of stewardship biblically, begins with creation. And creation is celebrated not only In the book of Genesis, but throughout the pages of Scripture, and especially in the Psalms, where part of the worship and the singing of the people of Israel in the Old Testament celebrated God's ownership. of the whole universe. The earth is the Lord's. and the fullness thereof, and all those who dwell therein.

God is the author of all things, the creator of all things, and because he is the creator and the author of all things, he is at the same time the owner. of all things. Whatever God makes, He owns.

Now What we own, as it were, We own as stewards Who have been given gifts. From God Himself. The ultimate ownership of all of our so-called possessions, of all of our property, is God Himself.

So that's axiomatic. That before I think of how I serve God and worship God with my possessions, The first thing I have to understand is that whatever I own It's not simply that God owned first. But the God still owns. And he has loaned these things, as it were, to me, and expects me to manage these gifts in such a way that will bring honor and glory to him.

Now The word that is translated Stewardship in the Bible is the Greek word oikonomia. Oikon Omia. I'm writing this on the board that you people in radio land can't see. But you can imagine, this board is not for your benefit, but the black board is for my benefit because I can't speak without writing these things down. And we see that word oikonomia, and I'm sure that you could readily guess what English word derives from this Greek word.

Even though it is translated by the English word stewardship, the English word that in fact derives etymologically from it is the word Economy. Economy, oikonomia, economy comes from it. And the word ekonomy from this Greek word oikonomia can be understood in this way. The word oikonomia is one of those words in the Greek language where two different distinct words, in this case nouns, are joined together in a compound way to create a new word. The first part Oiko comes from the Greek word oikos.

which is the Greek word for house. And the word nomos is a word we're familiar with even if we don't know the language of antiquity. The word nomos is the Greek word for law. We speak of autonomy, heteronomy. anti-nomianism is anti-lawism.

So the Greek word nomos is conjoined here with the Greek word for house, so that literally the word that is translated stewardship means House law. Or house. Yeah.

Now this is how it's linked to stewardship. The steward in the ancient culture was not the owner of the house. But he was hired by the owner of the house. to manage the affairs of the house. To manage the property, to allocate the resources of the house, to make sure that the cupboards were filled with food.

That the money was taken care of, that the lawn was taken care of, that the house was kept in good repair. All of these dimensions of management were given. to the steward.

Now, in the like manner, this whole concept of stewardship begins in the Garden of Eden. where God creates this wonderful environment. and gives Adam and Eve full reign of the garden. And not only that, he gives to Adam and Eve what? Dominion.

over the entire creation. But Adam and Eve are not given ownership of the world. But they're given the responsibility of managing the world, of taking care of the garden, of taking care to make sure that the garden is tilled and cultivated, that it's not exploited, that it's not abused, and that the goods that are found there in Eden. are not wasted. And so what we're talking about Fundamentally, In this idea of biblical stewardship is responsibility.

For managing or allocating the resources that do not belong. to us. They belong ultimately to God.

Now, what is the responsibility of any chief executive officer of any organization? His primary task. The allocation. of resources. We look at our ministry, we have a building that we have to take care of.

We have a student base, constituents that have to be ministered to. We have a staff. We have equipment, we have computers and machines and all that sort of thing. And we have Money. We have so much time in which we can operate our ministry.

And we cannot be effective in operating the ministry if we waste our time. waste our people. waste our money destroy our facility. and allow our equipment to fall into disrepair. To do any of those things would be bad stewardship.

And so if we have to spend money You understand this in your own management of your own household, that If you decide to spend $50 here for food, That's $50 that you don't have to spend on clothes, or vice versa. If you spend the $50 on clothes, you don't have it to spend on food. Everybody, I don't care if they're the richest person in the world. functions in a limited finite set. Of resources.

And so every time we use a resource, We make a decision. And what the good steward does is that when he allocates a resource, whether it's his time, his labor, his money, his equipment, he is careful to use that resource. in the most prudent way possible. And that's where God holds us accountable. He held Adam and Eve accountable for how they took care of that garden.

And God now is interested in how we take care of our ministry, how we take care of our personal lives, how we take care of our house, how we take care of our financial resources. All of these have to do with the pattern of. Managing. and allocating resources. Yeah.

one of the most gripping stories in the New Testament. Is Jesus' parable of the prodigal son. And what was the problem with the prodigal son? He received an inheritance. that he did not earn.

It was given to him by his father. And as soon as he receives this inheritance from his father, instead of trying to use his wisdom to build this inheritance, To invest it, as we saw in the parable of the servants in our last lecture. Instead, he goes into a far country and wastes his inheritance in wine, women, and song, and ends up living in a pig sty. I mean, the whole story of the prodigal son, at least the first half of the story, and why he's called prodigal, is because it's the story of a man. who wastes his father's resources.

It's the story of a man who wastes his life And that's the worst sin against stewardship. is to waste your life. Because every life that has been placed here by God on this planet, has been placed here to be used to His glory and to serve Him and to honor Him with what you produce and how you live. and a wasted life. It's a horrible, horrible.

Horrible. tragedy. And that's what we read in the story of the prodigal son. Until. He receives.

A new life and is brought to his senses, and he comes back home. Back to his father's house. in repentance, willing no longer to be a steward. but really to be a hired servant at the lowest level of the household. and instead his father, as you know, kills the fatted calf.

and has this great celebration. to return his son into the family. No. with respect to serving God with our substance. We have to look at the Old Testament concept of the tithe.

Because one of the things that people ask all the time is, okay, I understand I'm supposed to be a steward. I understand I'm supposed to serve God with whatever wealth God bestows upon me. What does that mean in terms of the Old Testament principle of the tithe?

Now I don't have time in this brief introduction to go through all of the nuances and the technical arguments that surround the debate regarding the Old Testament time. But for now, let me just say this. That there is a debate about how many tithes there were, whether the tithe was applied simply to religious matters or did it also apply to the maintenance of the state. And of course, the biggest question regarding the tithe is does the tithe belong to the Old Testament ceremonial law that is nowhere carried forward into the New Testament and is therefore now obsolete? Or Does the tithe Apply 2.

The New Testament Christian.

Well, again, without going into all of the details of this, let me just tell you what my view of the matter is. I am convinced. That the Old Testament principle of the tithe still applies to the New Testament Christian. In the Old Testament, God understood something, folks. God understood that left to themselves, people would never place the same value On hearing the word of God.

or on education. Then they would, for example, on physical medicine, on doctors. or an entertainer's. or on business entrepreneurs. If you leave things completely to the market.

The market will value entertainment. The market will value entrepreneur producers, attorneys. Doctors. But we look at our own country and we see that the two lowest groups of paid professionals in the United States of America. are teachers and pastors.

And God knew that in Israel, and he set aside one whole tribe, the Levites. And he said, The Levites will not receive an inheritance here, and the Levites will be responsible for taking care of the matters of the church and for education. And God said, I am instituting the tithe to make sure that these people who are doing these things to which I put a supreme value. Would be Properly remunerated for their service, as the principle in both Testaments is that the laborer is worthy. of his hire.

Now still, with all of this image that we have of ministers constantly asking for money. And the idea of ministers riding around in gold Rolls-Royces and diamond pinky rings and so on. Maybe part of the TV image that you have. But still, in the final analysis, the lowest single paid group of professional people in the United States of America today are pastors. And I don't know any minister who ever went into the ministry.

in order to get rich. because it is simply not a lucrative enterprise in our culture. whatsoever. And I saw the largest poll ever taken on the religious habits of American people a few years ago. And in that religious poll, Of 65 million people in America who claim to be born again, who claim to be evangelical Christians.

of that group. Four percent. Said that that they tithe their income the work of Christ.

Now I don't know how accurate that poll is. You know, these poles can be off two or three percentage points. But let's say it's off by four percentage points. And that would mean that 92% of professing evangelical people systematically, day in and day out, rob God and refuse to finance the work of Christ.

Now we go back to the Old Testament, to the book of Malachi. And we hear God's response to this type of problem. In Malachi chapter three In verse 8 we read this text. Will a man rob God? Yet you have robbed me.

But you say in what way? Have we robbed you? In tithes and in offerings. And you are cursed with a curse, because you have robbed me, even this whole nation. Bring all the tithes into the storehouse.

that there may be food in my house, and try me now in this, says the LORD of hosts, if I will not open for you the windows of heaven, and pour out for you such blessing that there will be not enough room for you to receive it.

Now, this is not the local minister giving an appeal for funds. This is God speaking to his covenant people. And he asked the question, will a man rob me? Would you steal? From God himself?

And of course, the people shrink back in horror from a question like that. And they're saying, of course, we would never rob you. I mean, we wouldn't think of robbing God. And God said, yet you have robbed me. How?

in tithes and offerings. You have cut back. for yourself. That which belongs to me and that which I have required of you.

Now that's what happened in Old Testament Israel. That was a serious problem. A problem that the prophets had to come and rebuke the people. And God said, Well, why don't you test me and see what I do? If you honor me, if you obey me, I'm going to open up the windows of heaven and pour out so much blessing upon you, you're not even going to be able to have room to put it.

But no You have elected to hold it back. Our beloved It is our duty as Christians to be stewards. and to respond to the command of God.

Now again, some people say that the tithe does not apply to the New Testament. I think it does. And we see people continuing to tithe in the New Testament in one of the earliest non-biblical books that we have in antiquity, the Didache, or the so-called teaching of the apostles, which was written either at the end of the first century or early in the second century, has a significant portion of it given over to this question. of supporting the work of the kingdom, and the tithe principle is clearly communicated there.

So that in the earliest documents that we have from the Christian Church, we see that the primitive Christian community continued the practice of the tithe. When we are engaged in financing the kingdom of God. The biblical concept is that we are called to invest. In the kingdom. We live in a country that was built on the principle of capitalism.

And the fundamental idea of capitalism is this that you are engaged in delayed gratification. Instead of taking your money that you make and spending it all now. The principle of capitalism is that you save it. You invest it instead of spending it, allowing your capital to go to work for you, allowing your capital to expand your wealth and to increase your wealth while you're sleeping, as it were, your money is working for you. And so people invest in the stock market, and then they check the stock market every day to see how their investments are doing.

And I think that's a very wise way to manage one's personal income. That if you make $10 an hour, say to yourself, okay, I'm going to live on $8 an hour. I'm going to take $1 out of that $10 and I'm going to invest it in God. And the other dollar I'm going to take and invest it in mutual funds or whatever. Because whatever money you have, that's what you have to live on.

But we don't want to do that. Instead, we spend $12 on the $10 that we make. which is the American way. But the classic way of delayed gratification is you invest to increase. But I really believe that the most important investment we can ever make is in the kingdom of God.

Because it has eternal returns. Not just for us, but for our family, our children, our grandchildren, and this generation of Christians has to invest for the next generation in the things of God. And this only follows Christ's advice. Seek ye first the kingdom of God, and ye and his righteousness. And all these things.

will be added unto you. And so My charge to you is when you are allocating your resources, when you are spending your money, That you think about how you can invest. in Christ's kingdom. With the allocation of your resources, that means your time. Your labor.

your equipment. And your money. That's how we support. the ministry of Christ, time, energy. labor property All of the resources that God has given to us.

And the wonderful thing about the tithe is. that if God prospers you, You don't have to feel guilty about it. If you return to him what he asks of you, then you can enjoy the rest as long as you use it wisely. But you can enjoy his prosperity, which is what he encourages us. on the pages of sacred scripture.

In closing, I want to give a couple of practical. Comments on how to tithe. People ask me that all the time. I hear people say, I'd like to tithe, but I can't afford to tithe. And I say, What you are saying to me is you cannot afford to live at the level you're living now.

and tithe. That's what you're saying. Although I really doubt that, I honestly believe that you invest in the kingdom of God, you're not going to lose anything in the final analysis. The way to overcome that always is to tithe from the top. And learn that as early as you can in life.

With your children, if they get a dollar allowance, make sure that their first 10 cents goes in the collection plate on Sunday morning.

So, that they learn the principle early. And they learn that, even if, for example, if the government's going to come and tax your income, you know that you can't spend the money that the government's taking. My obligation to God Takes precedence over my obligation to government. He gets paid first. He gets paid.

From the top. And if you want to know how serious you are, about investing in God's kingdom and what kind of a steward you really are. Look at your checkbook. Because your check book. is an objective, concrete record.

of where your treasure is. and of where your heart is. and how much you care. About Financing. the kingdom of God.

Your checkbook. tells the story. of your stewardship. Go look at it. Because it won't lie to you.

Lay up your treasures in heaven, says our Savior. we all will have to give account for our lives. and the kind of stewards we are here on earth will shape that account. But God gives us guidelines clearly, in Scripture, and we should strive to follow them. You've been listening to the Friday edition of Renewing Your Mind.

That concludes our study of Dr. Sproll's series Five Things Every Christian Needs to Grow. But if you found this series helpful, there is a lot more there for you to explore yourself. We'd like to make this entire 10-lecture series available to you if you call us with a donation at 800-435-4343 or go online at renewingyourmind.org. You'll receive lifetime downloadable access to the entire series, the e-book edition, and one of Ligonier's Crucial Questions booklets, How Should I Live in This World?

Your support helps us to reach more people with the truth of God's holiness. I hope you'll join us next week. As we begin a study of one of the figures of Old Testament history, a study of the life of King David. And don't forget our weekend schedule as my co-host Josh Mahon introduces a continued look at Dr. Sprohl's series, A Blueprint for Thinking.

and an exposition of the book of Luke. I hope you join us here. on Renewing Your Mind.

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