I have been reading a devotional based on the book of Ruth. As I got to the last day and the devotional was focused on Ruth chapter 4, I noticed something interesting. 

As Boaz explains to the Kinsman Redeemer that is next in line to redeem Naomi’s family and possessions, he seemingly provides a cursory explanation of what is available to him. Before that, Boaz took ten of the elders of the town and sat at the gates where important conversations were held. He wanted to ensure there were witnesses of stature present. 

When debt feels like a heavy chain around your neck—credit card balances increasing, bills piling up, and maybe even collectors calling—it’s natural to question every dollar spent, even those given to God. Many believers wrestle with whether it’s wise—or even possible—to tithe while struggling financially. Yet the heart of this question isn’t just about numbers; it’s about trust, obedience, and priorities.

Debt is a topic that has been coming up in conversations quite a bit recently.

My church body has been studying the topic this quarter in a series called: “Managing for the Master: Till He Comes”.

As a Christian financial advisor, I have been excited that this real world topic of debt, along with other financial topics, are being taught from a Biblical perspective. We know that money is important to the heart of God because there are over 2,300 verses pertaining to money in the Bible.

Debt continues to become more and more prevalent in our culture while it’s being increasingly normalized.

Debt is one of the largest reasons why many individuals fail to achieve any true and lasting financial freedom.