Do you want to make a difference with your money? Are you eager to champion and financially support the dreams of others? Do you desire deeper purpose and intention with your finances? If you answered yes to any of those questions, you have the heart of a kingdom wealth builder.

Who is a Kingdom Wealth Builder?

A Kingdom wealth builder takes an integrated approach to faith and finances. They understand that they are stewards, not owners, so they use their money to serve God and others. Essentially, a Kingdom wealth builder aims to multiply their resources so they can maximize Kingdom impact.

You can have the attitude of a Kingdom wealth builder regardless of your net worth. You may barely have enough income to cover your expenses today, yet you sense the assignment of a Kingdom wealth builder in your future. If that’s you, don’t let your bank account fool you. Stay firm in faith and commit yourself to the process. 

Once you have the character of a Kingdom wealth builder, making money is simple. There are wealth building strategies that work, period. When you commit to the process of learning biblical finance principles, you will prosper.

4 Characteristics of a Kingdom Wealth Builder Anyone Can Cultivate

1. A Kingdom Wealth Builder Grows in Wisdom with God

A relationship with God must be the first priority of every Kingdom wealth builder. Otherwise, they’re just a person with money! 

Our financial journey grows in tandem with our spiritual journey. God provides wisdom in both areas, and it takes time. Even Jesus had to go through this process. Luke 2:52 (NLT) says,

“Jesus grew in wisdom and in stature and in favor with God and man.”

For Christians, there are levels to financial wisdom. Before you know how to invest, you must know how to save. Before your money changes the world, you must tithe regularly. The Holy Spirit is a good teacher. If you invite Him into your finances, you will be amazed at the lessons you’ll learn.

2. A Kingdom Wealth Builder is a Producer, Not a Consumer 

A Kingdom wealth builder believes that “The earth is the Lord’s, and everything in it” (see Psalm 24:1). They view themselves as stewards, not owners. So, they see their money as a way to serve others, not to be served themselves.

This flips the world’s view of wealth on its head. Most people try to build wealth to store up comfort for themselves. The Kingdom wealth builder knows that the road to wealth is paved with discomfort. 

On a physical level, we know this is true. People understand the value in sticking to a strict budget. They will deprive themselves of creature comforts for a short time to save for something bigger. Many will hustle away their twenties and thirties to build their financial empire. 

However, the undertones of this are the same: work hard now so I don’t have to work later. Sacrifice now so I can experience comfort later.

Kingdom wealth builders aren’t deceived by this. They see sacrifice and servanthood as part of the whole journey, not something that ends with financial freedom. They work hard now so they can work for an even greater purpose later. They sacrifice now so they can serve others in a larger capacity later.

3. A Kingdom Wealth Builder Partners with the Redemptive Work God is Doing in the Earth

There is no corner of the earth hidden from God’s sight. He is redeeming every sphere of society and reconciling everyone to Himself. Colossians 1:19-20 (NLT) says, “For God in all his fullness was pleased to live in Christ, and through him God reconciled everything to himself.”

As His sons and daughters, we are invited into the family business. A Kingdom wealth builder doesn’t run off and forge their own path. They prayerfully consider the work God is doing in the world, where He is leading, and partner accordingly.

“And he who was seated on the throne said, “Behold, I am making all things new.” Also he said, “Write this down, for these words are trustworthy and true.”” (Revelation 21:5, ESV)

Kingdom wealth builders view their work and finances as a conduit to partner with God’s redemption. So, they don’t spend their money in a way that contradicts Kingdom principles. They refuse to invest in companies that support anti-biblical causes, such as abortion, human trafficking, and pornography. They know their investment has the power to further redemptive change or support powers of darkness. So, they choose biblically responsible investments and carefully curate their portfolio with trusted advisors.

Because the life of a Kingdom wealth builder has so much meaning and intention, retirement doesn’t quench their sense of purpose–it propels it. They aim to reach financial freedom early so they have more time, talent, and treasure to put toward God’s will for their lives.

4. A Kingdom Wealth Builder Is Devoted to Future Generations

“A good man leaves an inheritance to his children’s children, And the wealth of the sinner is stored up for the righteous.” (Proverbs 13:22, NASB)

Finally, Kingdom wealth builders are always thinking about the next generation. As pastor, real estate investor, and my friend Dan Dyer puts it, generational wealth builders have “a prophetic foresight of the blessing that will come through their lineage.” So, they faithfully steward their resources and disciple others in the process. Not only do they leave an inheritance for their children’s children–they teach them how to keep it. 

Building generational wealth is like planting trees you will never eat from. It requires hard work and selflessness. However, people will be enjoying the harvest long after you are gone.