Don’t Let Money Master You

Managing finances in college is tough. Many students take out thousands of dollars in loans just to pay for classes, while others juggle part-time jobs that leave them stressed and exhausted.

But in the middle of all that pressure, Scripture reminds us of something bigger: money isn’t really ours in the first place. It belongs to God, and we are stewards of it.

In Matthew 25:14–30, Jesus tells the parable of a master who entrusts money to three servants. Two invest and multiply what they’ve been given, but one buries his portion in the ground. When the master returns, he rewards the faithful servants but rebukes the one who wasted his opportunity.

The point isn’t just about money—it’s about all of life. But finances are one of the clearest places we show whether we trust God or ourselves. When we manage our money wisely, we are choosing to live differently than the rest of the world. Instead of chasing debt, greed, or materialism, we point to God’s wisdom and provision. That can speak powerfully to friends who don’t yet believe.

So, how can you honor God with your money as this school year begins?

1. Budget Wisely

Did you know over half of Americans live paycheck to paycheck? While we should ultimately

place our trust in God’s provision, we shouldn’t live foolishly.

So, take the time one month to track every expense—food, clothes, entertainment, coffee runs. Track both the fixed expenses (things that stay the same) and the variable expenses (things that change). Then, build a simple chart comparing what you earn and what you spend. If you’re spending more than you earn, or if you aren’t putting aside any money for savings, then it’s time to make some changes.

Living within your means not only brings peace of mind, but it also shows your peers that following Jesus brings wisdom into everyday life.

2. Give Generously

Many college students don’t tithe because they feel they don’t have “enough” to give. But generosity isn’t about the size of the gift—it’s about the heart. Paul reminds us in 2 Corinthians 9:6–7 that “God loves a cheerful giver. ”

Consider this: how many times have you gone out for coffee this month, or ordered fast food? Did you feel like that was too tight on your budget, or did you make room for it because it was important to you?

When you choose to give—even a small amount—you’re saying to the world: “My security isn’t in money, but in Christ. ” That’s a powerful apologetic. It shows the world that you really believe in God’s provision.

3. Spend with Wisdom

Our culture screams “buy more, upgrade faster, treat yourself. ” But Jesus calls us to something greater: contentment.

Before you make a purchase, ask: “Do I need this, or do I just want it? Is there a wiser, more affordable option?” Shopping secondhand, eating in more often, and resisting unnecessary debt frees you up to invest in what truly matters. And when your friends notice you living differently, it opens the door for conversations about why.

4. Think Long-Term

Retirement may feel like a lifetime away, but starting now is huge. Even $25–$50 a month in savings or investments can grow significantly over time.

Planning ahead doesn’t mean you’re obsessed with money—it means you’re preparing to serve and give faithfully for decades to come. That kind of long-term vision is rare among your peers, and it points to a deeper hope rooted in Christ.

Conclusion

Money is just a tool, but it’s a tool that tells a story. Will your story be one of stress, debt, and self-focus—or one of trust, wisdom, and generosity?

Jesus warned us not to idolize money, but He also told us to steward it well. As a college student, you have an incredible chance to show your campus that following Christ changes everything—including how you handle finances.

So, ask yourself: what would God have me do with the money He’s entrusted to me?

Thanks for reading, and may the Lord bless you this Fall season!