Pastoral Ministry
in the Real World Click Now to Order

Love & Money

Eccles. 5:10

Download mp3 audio


"Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income. This too is meaningless." (NIV) 

The American Academy of Matrimonial Lawyers, a non-profit association of attorneys surveyed their 1500 members and compiled a report of the results of that survey in a booklet entitled Making Marriages Last. In it, they say, “Not all marriages fail for the same reason. Nor is there usually one reason for the breakdown of a particular marriage. Nevertheless, we hear some reasons more often than others. They are: poor communication, financial problems, a lack of commitment to the marriage, a dramatic change in priorities, [and] infidelity.” (

Other sources I read cited abuse, drugs and Internet addictions as other causes of divorce, but I do believe the American Academy of Matrimonial Lawyers is a good source for this kind of statistic–after all, divorce lawyers should have a feel for these trends. Specifically what I want to zero in on with this message is Love & Money–how financial problems can negatively impact a home.

On one level, poverty itself is a problem that can lead to hopelessness, despair and can contribute to relationship problems. But poverty isn’t necessarily the only financial problem that can hurt a marriage. Proverbs 19:1 says, “Better is a poor man who walks in his integrity than he who is perverse in speech and is a fool.” (NASB) and James 2:5 says, “Listen, my beloved brethren: did not God choose the poor of this world to be rich in faith and heirs of the kingdom which He promised to those who love Him?” (NASB) Given the choice between being rich or poor, most of us would choose wealth, but having a lot of money doesn’t necessarily solve our money problems.

Whenever we think about our financial woes, we often think the solution is more money. And in all fairness, sometimes our financial problems are because we aren't making enough money, but sometimes, they are because we aren't managing what we make. Take Suzanne Mullins for example. In 1993, she won 4.2 million dollars in the Virginia Lottery. Eleven years later, she is deep in debt to a Florida Company that lent her money using the winnings as collateral. A circuit court ruled that Mullins owes $154,147.

Though Mullins could not be reached for comment, her lawyer said Mullins blamed the debt on extensive medical bills of an uninsured son-in-law who needed $1million dollars in medical bills before he died four year ago. The lawyer, Michael Hart said, "It's been a hard road. It's not been jet plane trips to the Bahamas."

In 1998, Mullins took out a loan with a Florida company that serves lottery winners who need their money faster than the annual payments can arrive. The Florida Company lent money, expecting payments from the yearly lottery checks through 2006. When the lottery rules changed allowing winners to collect their money in a lump sum, Mullins decided to cash in the remaining amount and did not make payments on the loan after February 2001.

A spokesman for the Florida lending company said his understanding was that Mullins had no assets to repay the remaining money. Tom Nasta of Personal Financial Planning in Roanoke said it's not unusual for people to go broke after wining the lottery. He says one client of his who won $1millon dollars only had a mobile home to show for it seven years later.  ( For Mullins, and other lottery winners that Nasta cited, more money didn’t solve their money problems.

Well if more money isn’t the answer to the problems many couples face, what is? Our culture’s quick fix for marriage problems is divorce. Divorce not only kills a marriage, but most of the time doesn’t solve the money problem.

Leslie Haggin Geary, Staff Writer for CNN/Money agrees that money problems can be a major source of conflict in the home, but she doesn’t think divorce improves the problems. She writes, “ woes are among the leading causes of divorce. But in many cases, your financial troubles get worse -- not better -- after you bid adieu to your ex.” (

Conventional wisdom has taught for years that divorce is the best option for a bad marriage, but a study recently conducted by the University of Chicago is shattering that myth. Linda Waite, lead author of the report said, “Staying married is not just for the children’s sake. Some divorce is necessary, but results like these suggest the benefits for divorce have been oversold.” 
Thank you for reading the free preview of this sermon.  The full manuscript is available to Premium Members use these resources in their ministry.
Jim Wilson's (see bio) Fresh Sermons are available to premium members ($19.99 one time fee).
For an all access pass to the more than 300 full-text sermons and thousands of Fresh Sermon Illustrations become a premium member for a one time payment of $19.99 by clicking on the graphic below.

href="">Impact Preaching: A Case for the
one-pointexpositiory sermon