3 Lies Christian Women Believe About Money
3 Lies Christian Women Believe About Money
For many of us, the thing standing between us and financial peace is not a math problem. It's not that we need one more budgeting tip or one more spreadsheet template. It's a lie we've been believing for so long that it doesn't even feel like a lie anymore. It just feels like the truth about who we are and what we are capable of.
And the enemy is so sneaky about it. He shows up through comparison, through our childhood upbringing, through beliefs that are so deeply rooted we don't even recognize them as lies. But I have amazing news — we serve a God who can redeem anything. And today we are going to expose three of the biggest lies Christian women believe about money and replace every single one of them with what God's Word actually says.
As I was doing research for this blog post and podcast episode, I had the most fascinating conversations with Christian women who wanted to learn more about personal finance. They came from all different walks of life — Michigan, Texas, California, even Canada. Different incomes, some moms, some single women. But they were all Christian women who wanted to steward their money better.
And here's what was wild. Almost every single conversation had the same quiet beliefs running underneath everything else. None of them were about math. None of them were about not understanding how a Roth IRA works. They were much deeper than that. They were about identity. About whether someone like me is even supposed to think about money this way.
And the truth is, our beliefs are the driving force behind everything. Your identity creates your activity — because who you believe you are determines what you actually do. So let's break down the beliefs that have been holding you back.
Lie #1: "I Just Don't Have the Self-Control for This"
I hear this about 90% of the time. It sounds something like, "Carolina, I've tried a budget before and I always fall off. I'm just not a disciplined person when it comes to money. I've always been like this."
Raise your hand if that's you.
I understand this one to my core. I am not a naturally disciplined saver. My little brother will verify that I spent everything I ever made. We even went to college together, and I had to borrow $300 from him to go visit my now husband — even though I was waitressing and making good money. It's taken a lot of time and constant reevaluation, but I've learned to break a lot of my old money habits.
Here's the truth: this is exactly what the enemy wants you to believe — that discipline is a personality trait. That some people just have it and some people don't. And if you don't, well, that's just who you are and nothing can be done about it. That is a lie straight from the pit of hell.
2 Timothy 1:7 says, "God has not given us a spirit of fear, but of power, love, and self-control."
Self-control is not a personality type. It is a gift from the Holy Spirit. It is something that has already been given to you. And when you say "I don't have the discipline," you are actually disagreeing with what God says is already inside of you.
Does that mean it will always be easy? Absolutely not. Building any new habit is uncomfortable at first. My mom and I started 5 a.m. workouts this year and we had never done this before. Waking up at 4:30 was incredibly hard at first. But one day recently I got up and thought, "Has this actually gotten a little easier? I would have never thought I'd get here."
The same thing applies to our money. Every time you choose to look at your budget instead of ignoring it, every time you make a little extra debt payment, every time you say no to something small to say yes to something bigger, you are exercising that self-control muscle. And muscles grow when you use them.
The next time that whisper comes that you are not disciplined enough for this, remember that God says otherwise. And His Word is louder than that lie.
Lie #2: "My Husband Handles the Finances. That's His Thing"
I want to tread carefully here because I absolutely believe that husbands and wives should work together and divide responsibilities in a way that works for their family. That is beautiful and that is biblical. And I am certainly not here for separate finances or feminist energy.
But there is a massive difference between a healthy division of labor and a woman being completely checked out of her own financial life.
Think about the Proverbs 31 woman. She considers a field and buys it. Out of her earnings, she plants a vineyard. She is making financial decisions. She is thinking strategically about resources. She is engaged. She is not handing it off and hoping for the best.
Whether you work outside the home or not, you and your husband are one unit. It's your money together. You should be just as interested and just as invested in understanding what that money is doing. Because God gave you the responsibility of stewardship too — not just your husband.
So many of the women I've talked to felt like wanting to understand investing or having financial goals was somehow stepping outside of their lane or not biblical. And my friend, that is a lie. A well-resourced woman is a more generous woman. A woman who understands her finances is a more confident wife and mother. And as moms, we are making money decisions all day every day: the kids' needs, the groceries, the school events. God calls us to steward it all.
His Word never says husbands, you handle all the money. It says husbands, love your wives. And it says, who can find a virtuous wife? Her worth is far beyond rubies. The heart of her husband trusts her and he will have no lack of gain.
You are not being controlling or unfeminine by wanting to understand your money. You are being the Proverbs 31 woman God has called you to be. You are partnering with your husband, trusting each other, and going further together toward a shared vision.
And if you're single and listening to this — I want to encourage you to take ownership of this now and not wait around for a husband to handle it for you. God forbid any of us ever lose a spouse unexpectedly, but I don't want you to be lost or scared about where you stand financially. I want you to already know.
Lie #3: "I Don't Have Enough to Start"
This one sounds like, "I'll get serious when I make more money, when we pay off this one thing, when the kids are a little older, when life is less expensive, when things settle down."
And I want to lovingly tell you, that day is never coming. And waiting for it is one of the most expensive decisions you will ever make.
Luke 16:10 says, "Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much."
This is not just a character principle — it is a financial one. The habits we build with a little are the same habits we will steward with a lot. If you are waiting until you have more money to start being intentional, you are actually training yourself to be unintentional. And more money going into an unintentional system just gives you a bigger unintentional mess.
I think about the women who come to me making really solid income and still feel completely broke. And then I think about the women who start small — maybe just $50 a month into a Roth IRA or a $25 extra debt payment — but they're tracking their spending and they're aware. That transformation happens not because the amount is life-changing, but because the decision and the commitment are.
That $50 is a seed. A peach tree grows over 20 feet tall and produces beautiful fruit — but it starts the size of an almond. Whatever you have right now is enough to begin. It is enough for God to work with. Give Him your fish and your loaves. It is enough to start building the life you are dreaming about.
The Truth Replacing Every Lie
Lie #1: I don't have the self-control for this. Truth: 2 Timothy 1:7 says God has already given you a spirit of self-control. It is in you. Use it.
Lie #2: Women shouldn't have to worry about money. Truth: The Proverbs 31 woman considered a field and bought it. You are not out of line for being engaged with your family's finances.
Lie #3: I don't have enough to start. Truth: Whoever is faithful with little will be trusted with much. Start where you are, with what you have, right now.
The enemy wants you overwhelmed, checked out, and waiting. Because a woman who is financially generous and intentional is dangerous to his plans. She builds legacies. She raises kids who understand money and give generously. She worries less, gives more, and expands the kingdom of God.
And that is exactly who I believe you are becoming.
If you liked this blog post, make sure to head over to our podcast and listen to the full episode!
Episode 16 | 3 Lies Christian Women Believe About Money
Ready to stop doing this alone? Here are some resources so we can start working together!
Sign up for my FREE weekly newsletter
Watch the FREE crash course: How $10 this week can turn in $20,000 by your kid's 18th birthday
