Jesus said, “Beware! Guard against every kind of greed. Life is not measured by how much you own… Yes, a person is a fool to store up earthly wealth but not have a rich relationship with God.” (Luke 12:15,21 NLT)
In John Wesley’s sermon “The Use of Money,” he offered three rules for Christians: “Gain all you can. Save all you can. Give all you can.”
Gaining all you can means to earn all you’re capable of, provided you aren’t hurting yourself or others. Wesley specifically stated, “We ought not to gain money at the expense of life, nor at the expense of our health” (which is in effect the same thing). He also noted, “Our employ cannot be harmful to our neighbor, lest we violate the command to love our neighbor.”
Saving all you can means to set money aside before spending frivolously or on nonessentials, and specifically not to spend just to win the admiration of others. Of indulging our desires Wesley noted, “Daily experience shows, the more they are indulged, they increase the more.” He also warned those who had accumulated a vast estate not to give all of it to one’s children, particularly if the children would use it only to gratify themselves. Instead, he suggested giving enough to the children to keep them from poverty, then giving the rest in whatever way would glorify God.
Finally, giving all you can means to provide for the essential needs of your family, then for the care of those in need within the church, and finally for those outside the church. For Wesley, giving the first tenth of his income to God was something of a floor for his giving, not a ceiling. Even when his income was very small he sought to live in moderation and to give away the rest…
Wesley was teaching and modeling that holiness and a desire to serve God can be judged in part by looking at your finances. If Wesley were here today, I think he would ask, “What does your bank account say about your spiritual life?”
-- Adam Hamilton in “Revival: Faith as Wesley Lived It”
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