Dealing with Fear and Money


The next time you find yourself in a conversation about finances, analyze the words coming out of your mouth and take note of the “spirit” behind them.

Many people talk about money from a place of fear. After several years of working in the financial world and counseling people in this area, I have concluded that fear is the reigning spirit motivating most people in the subject of money. It can even get to the point where fear is like the wind that fills their sails, powering them forward.

The Bible is clear that God didn’t give us a spirit of fear (2 Tim. 1:7, NKJV). Fear is not from Him, so it shouldn’t be what drives our lives. To learn the alternative to fear, we need to look at the rest of 2 Timothy 1:7:

For God has not given us a spirit of fear, but of power and of love and of a sound mind.

Fear Based on Lies

One of the services I offer is called a Financial Sozo, which is a simple way to discover and hear God’s answers to the “principles” a person believes that aren’t eternally true. Having a Financial Sozo can help people defeat their fears surrounding money.

However, Financial Sozo isn’t the only answer for fear, because fear isn’t always spiritual. There are actually two kinds of fear. One is based on lies: things we believe, patterns we’ve observed, internal condemnation, identity issues, etc. These things are powerful, and this kind of fear creates and maintains destructive patterns and belief systems in a person’s life.

Money fears based on lies is the category in which Financial Sozo excels and is, in fact, the missing link in the financial teacher’s portfolio today. We need to understand how to supplant lies that create fear inside of us.

Fear Based on Danger

But there’s another category of fear as well, one that is more practical in nature. If you come across a bear in the woods and it begins to run at you, that’s a good reason to be afraid! If you’re swimming in the ocean and a shark starts swimming toward you, that is another good reason to be afraid. Fear by itself is not categorically harmful—until lies are involved.

Sometimes we are afraid because we are facing very real threats. In those cases, we need skills and rescues that are natural. If the subject of money scares you, look first to your natural environment. If you need to get out of the way of a charging bear or shark (debt), or you have some other kind of financial threat on the horizon, go and get professional advice. Find a way to build yourself a defense against the things coming against you. There are many great financial advisers sprinkled around the world. Find them and make use of their information.

If you’re worried about your income because your job isn’t that great, change your situation. You’re not fragile, and God is real, and He will invade your environment. If you need miracles and rescues, go seek them out. Jesus Himself said, “You have not because you ask not.” He encourages us to stand at the door and knock—both spiritually and naturally.

Declarations for Fearlessness

I approach every Financial Sozo the same way. I understand the person needs a spiritual response and a natural response, and these two things need to come together and be powerful in union. That is how you change your financial life—by embracing the answers you need that are both spiritual and natural.

If you’re dealing with fear and money right now, write down these declarations and repeat them every day: “I can do this. Fear is not from God. It is not a gift. God can show me how to navigate through this.”

May God bless your Prosperous Soul.

Lauren Stinton