Money On My Mind | Stephen Chandler | Sermon Notes — Hello Pastor

Sermon Notes

Money On My Mind

Stephen Chandler

Union Church • Jul 26, 2026 • 48 min

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Take this message with you through a journey of Scripture, reflection, and prayer.

Summary

In this sermon, Pastor Stephen Chandler breaks down the internal mindsets believers hold regarding money and how those perspectives shape spiritual maturity. Scriptural stewardship is far more than giving a tithe; it is recognizing that 100% of our resources belong to God, who uses financial management as a primary testing ground for kingdom trust. By rejecting fear-based lack and superficial status displays, believers can embrace biblical wisdom, practical budgeting ratios, and intentional generosity as faithful stewards.

Themes

Biblical Financial StewardshipMindset and Heart AlignmentGenerosity and Kingdom TrustAbundance vs. Scarcity MindsetStewardship vs. Ownership

Pastor's Points

1.

Mindset of Lack vs. Mindset of Abundance

2.

Mindset of Identity vs. Mindset of Tool

3.

Mindset of Owner vs. Mindset of Steward

Key Points

1.
God tests our character and integrity through how we manage money before entrusting us with true spiritual riches and kingdom assignment.
2.
Money is the least significant resource in God's eyes, but our faithfulness in financial stewardship determines how much spiritual destiny and eternal authority He can trust us to handle.
3.
Managing abundance requires intentional discipline, foresight, and counting the cost before spending.
4.
Establishing structured budget ratios for giving, living expenses, housing, and savings maintains healthy financial margin and prevents wasteful living.
5.
Everything in creation ultimately belongs to God, meaning believers act as temporary stewards rather than absolute owners of their lives and wealth.
6.
A mindset of lack is rooted in fear and causes people to view money as safety rather than as a tool to fulfill God's purposes.
7.
An abundance mindset is grounded in knowing God as our Shepherd and Father, who faithfully supplies all our needs according to His riches in glory.

Sermon Moments

“God watches how you manage your money to determine how much of your destiny He can trust you with.”

“Lack is not a biblical mindset; the biblical mindset is abundance.”

“We need to have an abundance mindset, not because of our income, but because of who our God is.”

“Wisdom is having a plan; in practical terms, that is called a budget.”

“If no one saw it, would I still buy it? If the answer is no, you have no business buying it.”

“Money is not for flexing, but it is a tool.”

“You don't own it—you are a steward of what God has entrusted to you.”

“God does not have a scarcity mindset. He says, 'No good thing will I withhold from them who walk uprightly.'”

This Week

Create a monthly written budget with your spouse or accountability partner using structured financial ratios before the month begins.

Tithe the first 10% of your gross income back to God as an act of priority and trust in His divine provision.

Cap housing expenses at 25% and car payments at 10% of take-home pay to maintain healthy financial margin.

Build an emergency savings fund equal to 3 to 6 months of essential living expenses.

Before purchasing non-essential items, ask yourself, "If no one saw this on social media or in person, would I still buy it?"

Look for opportunities to be a practical gift-giver throughout the week by blessing others and grabbing the check at dinner.

Pray over every financial decisions, acknowledging that 100% of your wealth belongs to God and asking Him how He wants it stewarded.

Remember This

Faithful financial management is a test of heart alignment, showing whether God can trust us with greater spiritual authority and kingdom destiny.

A Challenge for You

"Lord Jesus, I give you my heart. Heal me. Cover me. Restore me. I believe that you died on the cross... and in response, I give you all of me."

These are personal sermon notes shared to help you remember the message — not a replacement for Scripture, your church, or your pastors.