Should I Tithe While In Debt

As a Financial Coach, one of the most common questions I get from Christians trying to get out of debt is “Should I Tithe while paying off my debt”?

Should I tithe while I get out of debt

What I think really doesn't matter

Giving a tithe has more to do with your belief system than your finances. I want you out of debt as bad as anyone, but there is something unexplainable that happens when people start to give sacrificially.

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You can't calculate the blessings from giving a tithe

I'm always trying to work things into a spreadsheet. One thing I can never forecast accurately  are the blessings that people receive when being faithful and giving 10% to their local  church. But, I have come up with an algebraic formula:

I can't explain it – but it works!

What should I tithe on

If we do tithe, what do we tithe on?

  • Gross or Net Income?
  • Business and Retirement?
  • Tax Refunds?
  • Gifts or Credit Card Points?

I explain each of these items inside the episode.

What I believe about giving a tithe

God loves a cheerful giver (2 Corinthians 9:7). I thought I knew what that meant until my beautiful bride and I got out of debt. Suddenly, I was able to hear what my pastor was trying to say to me and the sermon was no longer about their need for our money to fund the capitol campaign, it was because giving makes us more like Him.

I certainly hope you don't have to wait until you are debt free to hear the message and experience the joys of giving.

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Thank you!


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  • Sheri

    Reply Reply March 3, 2011

    This Podcast is SO GOOD!!! Answers some common questions on this great topic!

    • Steve Stewart

      Reply Reply March 3, 2011

      Thanks Sheri!

  • Alex Humphrey

    Reply Reply March 4, 2011

    Thank you for your practical in-depth look at this topic.

    Will you be doing a podcast about giving soon? Going above and beyond the tithe is probably the best part of being debt free!

  • Great episode Steve – my wife and I have been asking a lot of those same questions lately!

    So one last one … what’s the tithe when your income is 0? I’m assuming 10% of $0 = $0. But … I’m getting unemployment benefits, which just manage to cover COBRA for us. If I take 10% of those bene’s I would have to dig deeper into savings or other resources than we already are to cover mortgage and expenses. Is it OK to defer tithing to better times? Sounds like a copout to me, but better than just not tithing at all … very confusing!

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