Episode Details

“If you need wisdom, ask our generous God, and He will give it to you.”

That promise from James 1:5 is a powerful reminder that wisdom is not something we have to manufacture on our own. It is a gift from God, and He invites us to ask for it.

When we think about financial decisions, we often turn first to budgets, spreadsheets, calculators, or professional advice. Those tools can be helpful, and wise counsel has an important place in biblical stewardship. But for followers of Christ, wisdom begins with prayer.

Sharon Epps, President of Kingdom Advisors, FaithFi’s parent organization, joined the show today to talk about inviting God into our financial lives and seeking His guidance with trust and humility.

Prayer Reminds Us Whose Money It Is

When people think about managing money, prayer may not be the first thing that comes to mind. But Sharon says it should be central to the way believers make financial decisions because we are not ultimately managing our own resources.

We are managing God’s.

She offered a simple illustration: imagine being asked to care for someone else’s home while they were away on an extended trip. Would you let them leave without asking for specific instructions about how they wanted things handled?

Of course not.

In the same way, because everything we have belongs to God, we should want His instruction for how to steward it. Prayer reminds us that we do not have to carry financial decisions alone or rely only on our own understanding. It helps us approach money with dependence, trust, and humility.

Prayer also shifts our posture. Instead of trying to control every outcome, we begin to ask what faithfulness looks like with what God has entrusted to us.

The Most Powerful Question We Can Ask

So what does this look like in everyday life?

Sharon says it starts by bringing financial decisions to the Lord before we act. Whether we are deciding how to spend, save, give, invest, or pursue work, prayer gives us the opportunity to seek God’s wisdom first.

Our friend and mentor Ron Blue has often said that one of the most powerful questions we can ask is:

God, what would You have me do with Your money?

That question changes everything. It reminds us that money is not merely a tool for personal comfort or security. It is a resource entrusted to us by God for His purposes.

Sharon shared a personal example from when she and her husband were praying about their oldest daughter’s college tuition. They had not saved enough to pay for her education in full, and they were committed to avoiding debt. As they prayed, God brought something to mind: He had already provided what they needed, but they had mentally set those funds aside for another purpose.

Once Sharon and her husband sat down and talked it through, they realized God had shown them an option they had never considered. Prayer did not simply give them peace; it gave them perspective.

That is one of the gifts of prayer. Over time, it shapes our desires, priorities, and motives. It trains us to seek God first rather than simply react in the moment.

Learning What Is Enough

One of the great financial questions every believer must wrestle with is, “How much is enough?”

Our culture constantly pushes us to want more. More income. More comfort. More security. More possessions. But Scripture points us toward contentment.

Paul writes in Philippians 4:11, “I have learned in whatever situation I am to be content.” That word learned is important. Contentment does not come naturally. It is formed in us as we walk with Christ and learn to trust Him more deeply.

Prayer helps us bring our desires honestly before the Lord. It gives us space to ask whether our financial choices are being driven by needs, wants, fear, comparison,