To the Point: Giving Up to Our Potential


It’s often said that Christians are the most generous people. Unfortunately, it turns out this claim is not entirely true. Even though Christians are more generous than non-religious Americans, that is not much about which to brag. The vast majority of Christians are not giving up to their potential or in proportion to what their faith teaches.

Passing the Plate (Oxford University Press, 2008) by sociologists Christian Smith and Michael Emerson and researcher Patricia Snell reveals some unfortunate truths about the giving patterns of American Christians. Twenty percent give nothing to church or other charities. The vast majority give very little. Congregations manage to stay afloat only because of the generosity of a very small percentage who account for about sixty percent of total giving — and because churches spend the lion’s share of what is given on their internal needs. Moreover, more affluent church members generally give a lesser percentage of income than those of more modest means. The book attempts to provide a sociological explanation for why American Christians are so stingy, despite massive gains in real per capita income over the past century.

Reality and perception

The authors of this study conclude that this poor giving cannot be attributed to a lack of adequate financial resources. People who collectively spend not just billions but trillions of dollars on discretionary items and luxury goods each year cannot objectively claim that they do not have enough money to give. But, they conclude, “their subjective perceptions of financial constraint appear to be an important factor limiting their giving money more liberally.” Even upper middle class Americans tend to think they are just getting by when they are, in fact, quite affluent by any objective standard. Most Christians have the financial capacity to give much more, but only by adjusting their financial priorities and perceptions.

A conspiracy of silence

Another factor stifling generosity is the conspiracy of silence around money and giving in the church and society in general. In American culture, matters of personal and family finances are highly privatized. Few people feel comfortable discussing their income or financial situation with colleagues, friends, family members, sometimes even their own spouses — much less at church or with their pastor. Pastors, too, tend to be quite uncomfortable dealing with issues of money and giving. Many are so anxious about appearing to talk about money too much that they avoid it altogether.

As a consequence, many church members are confused about how to apply the teaching of their faith to their personal resources. Their intentions are often good, but they are not given clear expectations or a consistent framework for their giving. The result is haphazard and occasional giving that fails to live up to normative teachings on stewardship. These authors suggest communicating expectations about religious giving more clearly, teaching the theology of giving more confidently, building trust through improved financial systems and more effective communications, and providing a variety of well-structured and regular means of giving.

“Pay the bills” or “live the vision”

Congregational culture is also a determinate of giving. The book contrasts two types of churches: “pay the bills” churches that are preoccupied with institutional needs and view giving through the lens of obligation, and “live the vision” churches that focus on God’s vision for their church. They see giving as an important aspect of the Christian life and concentrate on nurturing faith, building relationships, and serving mission. For them, increased giving goes with spiritual growth. Although cultural transformation is neither quick nor easy, moving toward a “live the vision” mentality encourages faithful giving.

No small matter

The authors preface their work with the bold claim that “if American Christians were to give from their income generously — not lavishly, mind you, only generously — they could transform the world, starting right away.… They could generate, over and above what they currently give, a total of another $133.4 billion a year.” This provocative claim is also the most hopeful — not just a rallying cry but a Kingdom mandate for us to give up to our potential.

Dr. Ann A. Michel is associate director of the Lewis Center and lecturer in church leadership at Wesley Theological Seminary where she teaches stewardship classes.

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The Lewis Center staff has assembled and edited this material.