Do you dream of a life of financial freedom? 

Are you eager to give extravagantly? 

Do you want to eliminate financial anxiety for good? 

Is there a business idea you’re itching to activate that could make a real difference in the lives of others? 

Do you want to build generational wealth and leave a lasting legacy?

If you answered yes to any of those questions, you will want to learn more about a little something called Kingdom Finance. If you couldn’t guess by the title of this post, Kingdom Finance is the subject of how to build wealth God’s way. The Bible is full of teachings about finances– roughly 2,350 verses are about money, and 11 out of Jesus’ 39 parables are also devoted to the subject. How we think about and use our financial resources is extremely important to God! 

Many people talk about finances, and many people talk about faith. Unfortunately, these two worlds are rarely brought together. We wrote this article to change that. In this post, you will learn:

• What is Kingdom Finance?
• What is a Kingdom Mindset?
• The Seven Mountains of Influence
• Tikkun Olam
• How Kingdom Finance Differs From The Prosperity Gospel
• The Ultimate Wealth Building Strategy: The Triple X Factor 
• Step 1: Getting Out of Debt
• Step 2: Creating Passive Income 
• Step 3: Leaving a Legacy + Generational Wealth 

What is Kingdom Finance?

Kingdom finance is the application of biblical teachings about money with the goal of advancing the Kingdom of Heaven on the earth through financial resources. At its core, Kingdom finance involves stewarding our money in a way that aligns with the principles of the Kingdom of Heaven. 

At the end of the day, money is just a tool we use to buy things. It’s the middleman. How we spend money represents what we value. That’s why God cares about it so much– He knows how easy it is for material possessions to grip our hearts and lead our lives. 

Jesus said, “No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.” (Matthew 6:24, NKJV)

Yet, many people serve money without ever making the conscious choice to do so. When you don’t have enough money, it’s really easy to let money dictate your decisions. Someone who has not learned how to steward their finances may find themselves saying: I have to stay in this job. I can’t take a risk and start that business. I don’t have the money to give an offering. There aren’t enough resources to start or serve that ministry.

On the other hand, Kingdom finance is all about learning the practical skills and biblical background it takes to master your money. We will touch on the finance part later, but for now, let’s dive deeper into the Kingdom side of things. (To explore the subject of Kingdom finance more, download our free Kingdom WealthBuilder’s devotional! This resource is full of revelation and biblical application to guide you in your journey.) 

What is a Kingdom Mindset?

We talk about building wealth for the Kingdom, but what does that really mean? To answer that question, you’ll have to ask yourself another: what is a Kingdom mindset? I did think critically about this until I was several decades into my faith journey. At that point, I had stopped pastoring and was well on my way to retirement.

I needed a fresh perspective, so I called up two pastors I knew and asked them question after question about the Kingdom. They came from different denominations than I did, which was perfect because I needed new insight. The pastors had great things to say, but one verse in particular jumped out at me in our conversations. 

“But seek first the Kingdom of God and his righteousness, and all these things will be added to you,” (Matthew 6:33, ESV).

All my life, I read that verse as “Seek God first” or “Seek Jesus first.” However, the Kingdom distinction makes all the difference. Of course, when we seek the Kingdom, we are seeking God, but it is more specific than that. A Kingdom mindset involves seeking His will on the earth. It is not about us as individuals; it is about the whole world. 

A Kingdom mindset will change the entire way you live your life. Our salvation is not just a ticket to heaven. It gives us authority and access to the Kingdom of Heaven today.

God calls us to use our earthly resources to create systems and structures that invite people to taste and see His goodness. The seven mountains of influence are a helpful way to conceptualize this.

The 7 Mountains of Influence

The 7 Mountains are a framework for thinking about God’s Kingdom on earth. They represent the primary spheres of culture: religion, business, government, family, education, media, and the arts. As Christians, God calls us to bring His Kingdom to earth. This involves reforming every area of culture with Kingdom principles.

The family, education system, media, and arts mountains greatly influence culture. The messages coming out of these areas dictate what people value, think, and believe. The government and business mountains are the control centers. They create the laws and regulate the flow of money. 

Lance Wallnau, one of the primary teachers on the Seven Mountains in the United States, told me, “Billy, what people don’t understand is that the business mountain is really the key to the other six mountains.”

I asked, “Why do you say that?” 

“Business is involved in every mountain. Finance and money are involved.”

This is why more Christians need to understand Kingdom finance principles. For the Kingdom of God to exist on earth as it does in heaven, the Church must be above the rest of the mountains. This doesn’t mean we should implement a theocracy, but Christian influence should permeate every sphere.

Related: 7 Mountains of Influence Prayer Guide 

Regrettably, many Christians camp out in the religion mountain and stay in their Christian bubble. Personally, I love the Jewish perspective on cultural engagement.

In the book Secrets of Jewish Wealth Revealed, Rabbi Celso Kukierkorn said, “To be religious Jews, we are not supposed to isolate ourselves on a mountaintop and meditate, nor are we to take vows of poverty. Rather, we are supposed to get out into the world, interact with it, and elevate the mundane.” This aligns with the Jewish concept of Tikkun Olam.

Tikkun Olam

One of the major tenets of Jewish Economic Theory is that accumulating wealth is a virtue. That’s because they see their wealth as a resource to pursue tikkun olam, which means “repairing the world.”

Rabbi Celso Cukierkorn also writes:

“One of the great differences that set Jews apart from other cultural groups is that we see our wealth as a means to partner with God, as a way to bring God’s Kingdom into this earth, a concept that we call tikkun olam—perfecting the world. We perfect the world by using our God-given wealth to further God’s realm on this planet. So, what you see is that the Jewish peoples’ pursuit of wealth is often paired with the pursuit of charitable works, not only for selfish purposes.”

For the most part, Christians do not understand the concept of Tikkun Olam. Teachings about money in the Church have swung from a scarcity mindset (Christians should be poor) to the prosperity gospel. On the other hand, Kingdom Finance teaches a radical middle that aligns with the Word of God.

How Kingdom Finance Differs from The Prosperity Gospel

Here’s what I’ll say– God bless people in the Body of Christ who are willing to teach about prosperity. We need to share the message that God is a good Father who desires to bless His children. But what exactly is the term now known as the prosperity gospel?

The Gospel Coalition defines the Prosperity Gospel as a doctrine that teaches “God wills the financial prosperity and physical well-being of his people and that faith, positive speech, and donations to select Christian ministries can increase one’s material wealth and health.”

Faith, positive speech, and giving are all great biblical principles. However, they are not the only things you need to build wealth. 

For too long, the Body of Christ has told people they can prosper but has not told them how to prosper. Kingdom Finance teaches you the nitty-gritty “how-to” strategies that it takes to build wealth according to Deuteronomy 8:18:

NIV: “But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your ancestors, as it is today.”

NKJV: “And you shall remember the LORD your God, for it is He who gives you power to get wealth, that He may establish His covenant which He swore to your fathers, as it is this day.”

There are two ways to build wealth: you either produce (create) it, or you get (acquire) it. Both options require you to know and apply a thing or two about finance.

Wealth will not drop on your head like ripe cherries off a tree or manna in the wilderness. This kind of manna mindset traps people from the level of abundance God wants to bring them to. Now, you may receive a check in the mail or a random act of generosity. Still, you won’t receive the level of wealth it takes to advance the Kingdom of God in generations, neighborhoods, and nations. This is the kind of wealth that Kingdom finance equips people to attain. (To learn more about how to build generational wealth God’s way, download our free Kingdom WealthBuilder’s Devotional below)

The Best Wealth Building Strategy to Build Kingdom Finance: The Triple X Factor 

So, if you want to be the kind of financial steward that maximizes your God-given resources and leaves a lasting legacy, the prosperity gospel won’t cut it. You need a wealth building strategy.

I struggled to discover a method to explain the wealth building process for several years. Looking back, I realized the solution came when I got a different view of the problem. What I really desired was a 30,000-foot view of wealth. 

Many of the teachings I heard about finances were too specific. They focused on one element, such as debt elimination, and provided no context on what to do after that point. Or, they provided great insight on investing but no direction on how to attain the money to implement their strategies. I couldn’t connect all of the teachings, and it was overwhelming. That’s when God gave me The Triple X Factor.

The Triple X Factor covers all the bases and provides a 30,000-foot view of the wealth building journey. It outlines the process of moving from the trenches of debt to financial freedom and beyond. In fact, it goes into stewarding wealth that can last for generations and really advance the Kingdom of God. There are foolproof, practical steps to follow at each stage. The comprehensiveness, practicality, and biblical wisdom make it the best wealth building strategy.

The Triple X Factor and all related images are trademarked.

There is so much to explore with this wealth building strategy, so we recommend getting the whole product. However, here is a brief outline of the process:

Step 1, The 1st X: Income Exceeds Expenses 

The first step on your Kingdom Finance journey is to get out of debt. In The Triple X Factor, we call this the 1st X. In other words, the 1st X is the point where your income exceeds your expenses (see chart above). 

You are debt-free or on track with monthly debt payments. At the 1st X, you have an excess each month to save and invest, making it the perfect starting place for building wealth.

At this stage, the Triple X Factor teaches you how to get rid of debt, reduce expenses, and increase your income. You will learn how to invest in yourself and build a strong financial foundation.

To reach each “X” on The Triple X Factor, you will need to learn certain Laws of Wealth. At this stage, they are:

• The Law of Stewardship
• The Law of Change
• The Law of Wisdom
• The Law of Lift

Step Two, The 2nd X: Create Passive Income 

98% of people in Western nations never reach what we define as the 2nd X– the point where your passive income exceeds your earned income. In other words, the money you make from investing exceeds the amount you earn at your job. 

The 2nd X marks true financial freedom because it is the stage where you can quit your job and become a full-time asset manager if you wish. It is powerful when Christians reach this stage of their Kingdom Finance journey. They now have an abundance of time, talent, and treasure to give to the areas God is calling them to.

At this stage, the Triple X Factor teaches you how to create passive income that pays you on a monthly, quarterly, or yearly basis. You will learn how to create multiple passive income streams and build wealth through business, real estate, investing, and more.

Laws of Wealth Need to Reach The 2nd X:

• The Law of Risk
• The Law of Income 
• The Law of Leverage and Acceleration
• The Law of Conversion
• The Law of Compounding

Step Three, The 3rd X: Leaving a Legacy

This is the level of true Kingdom Finance! The 3rd X is the point where your passive income exceeds your target living allowance (the amount you need monthly to live and support your family.) It is not just about the amount of money, though. The 3rd X is truly defined by what you do with the money.

At the 3rd X, you give away or reinvest 100% of everything above your target allowance to advance the Kingdom of God on earth. This is the part of your financial journey where you can tap into profound, God-given purpose and make a difference with your money. You have generational wealth and know how to teach your beneficiaries how to steward it well.

If it feels like you have a long way to go until you reach the 3rd X, be encouraged! Building wealth requires patience. If you commit yourself to this process, you will certainly reach your goals. In the spirit of Ephesians 3:20, God will do immeasurably more than you could ever ask or think! 

We are not going to leave you hanging, either. This is just a brief overview – there is so much more we want to share with you! 

Take the next step by purchasing The Triple X Factor: The Ultimate Guide to Building Kingdom Wealth. In this package, you will receive:

• 15 video courses
• Interactive study guide
• Physical copy of The Kingdom WealthBuilder’s Devotional
• A Triple X Factor chart and markers

We hope this article helped you understand Kingdom wealth building on a deeper level. What questions or comments do you have? Let us know- we’d love to hear from you!