Money itself is not evil. Besides earning, saving, and giving, money is also used for spending—it’s a tool. The key here is not overindulging or squandering, but to use it with discretion, a habit that goes against our consumer-driven culture. Could it be that financial hardships for Christ-followers and even churches are signs that they are living beyond their means? What would it look like if money was used as a tool rather than squandered? What if Christians lived within their means and avoided debt?