The Savings Account

Since our income will take a huge plunge in a little over two months with my retirement, my husband and I spent hours going over our budget.  We felt we’d be okay, financially, as we will have all our debts paid off, except the mortgage, but it is always better to sit down and look at actual figures, particularly our tax withholding. We sure don’t want a nasty surprise at the end of the year.

And so, we fiddled, plotted, and planned for hours, crunching numbers around every possible scenario we could envision. With the debts paid off, and no work expenses, we’ll actually have more money left after bills than we do now (no surprise there, but good to see the actual numbers verify that).

Next, we looked at budgeting for a savings account, something we had not managed since my husband’s retirement seven years ago. Life would be lot less stressful knowing we had something set aside for those unplanned expenses and emergencies.

The next morning, my devotions included Mark 10: 24: “How hard is it for them that trust riches to enter into the Kingdom of God?”


Now, I don’t believe God was telling me not to save money. I believe He was reminding me that just because we had a little extra money for the first time in our married life, trusting that bank account rather than Him was misplaced trust. It wasn’t going to solve all my problems or prevent any disasters.

Going a bit further, God doesn’t just supply our physical needs. He also cares for our emotional and spiritual needs as well. God will provide everything we need, even the things we don’t know we need.

Although I had stopped dreaming about winning the lottery, becoming a rich author, or inheriting enough money to set up a worry-free savings account, I still like the idea of that cushion. And, that's fine, as long as I don't trust it more than I do God. It will fail me while God will not.


  1. This is a timely subject for me just now. I recently read Randy Alcorn's book on Money and Possessions and have been trying to rethink my stance on what is wealth and how much is too much to save and how much is less than enough to give away. This blog is a good reminder for me that no amount of money in the bank will keep me healthy and/or safe. As you say, it's not a bad idea to keep a cushion, but the one who decides whether or not I'll ever need it is the Lord. Thanks! - Diane Adams

    1. This comment has been removed by the author.

    2. Going to try this again, and remember to edit before I hit publish!

      Your last sentence is so true! He will decide how much is enough, and whether we need it or not. Reminds me of the story of the rich man who felt he could finally rest after building huge storage barns to hold all of his wealth. Then he died that night, never taking the time to just enjoy life without worrying about accumulating wealth. I am really trying to focus on the good things (joys) God offers everyday and worry less about tomorrow. Not completely there, but working on it.


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