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Redeeming Money: How God Reveals and Reorients Our Hearts

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Money is a powerful thing. It can propel a person's life in one of two opposite directions: a path of blessing and joy, or a path of danger and destruction. Debunking the false promises people often believe about what money can offer, best-selling author Paul David Tripp gives readers a fresh and always-relevant perspective on money through the lens of the gospel. Tripp shows that the root of money problems is not the size of a paycheck or the adequacy of a budget, but in the sin of our hearts. He ultimately directs readers to Jesus, who offers grace for every failure and provision for every need--helping them cultivate money habits marked by freedom, generosity, and joy.

176 pages, Paperback

First published May 1, 2018

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About the author

Paul David Tripp

133 books1,423 followers
Paul was born in Toledo, Ohio to Bob and Fae Tripp on November 12, 1950. Paul spent all of his growing years in Toledo until his college years when his parents moved to Southern California.
At Columbia Bible College from 1968-1972, (now Columbia International University) Paul majored in Bible and Christian Education. Although he had planned to be there for only two years and then to study journalism, Paul more and more felt like there was so much of the theology of Scripture that he did not understand, so he decided to go to seminary. Paul met Luella Jackson at College and they married in 1971. In 1971, Paul took his first pastoral position and has had a heart for the local church ever since. After college, Paul completed his Master of Divinity degree at the Reformed Episcopal Seminary (now known as Philadelphia Theological Seminary) in Philadelphia (1972-1975). It was during these days that Paul’s commitment to ministry solidified. After seminary, Paul was involved in planting a church in Scranton, Pennsylvania (1977-1987) where he also founded a Christian School. During the years in Scranton, Paul became involved in music, traveling with a band and writing worship songs. In Scranton, Paul became interested in biblical counseling and decided to enroll in the D.Min program in Biblical Counseling at Westminster Theological Seminary, Philadelphia. Paul then became a faculty member of the Christian Counseling and Education Foundation (CCEF) and a lecturer in biblical counseling at Westminster Theological Seminary, Philadelphia. Paul has also served as Visiting Professor at Southern Baptist Theological Seminary in Louisville, Kentucky.
In 2009, Paul joined the faculty of Redeemer Seminary (daughter school of Westminster) in Dallas, Texas as Professor of Pastoral Life and Care.[1]
Beginning in June, 2006, Paul became the President of Paul Tripp Ministries, a non-profit organization, whose mission statement is "Connecting the transforming power of Jesus Christ to everyday life." In addition to his current role as President of Paul Tripp Ministries, on January 1, 2007, Paul also became part of the pastoral staff at Tenth Presbyterian Church in Philadelphia, PA where he preached every Sunday evening and lead the Ministry to Center City through March, 2011 when he resigned due to the expanding time commitments needed at Paul Tripp Ministries.
Paul, Luella, and their four children moved to Philadelphia in 1987 and have lived there ever since. Paul is a prolific author and has written twelve books on Christian living which are sold internationally. Luella manages a large commercial art gallery in the city and Paul is very dedicated to painting as an avocation.[2] Paul’s driving passion is to help people understand how the gospel of the grace of the Lord Jesus Christ really does speak with practical hope into all the things they will face in this broken world. Paul is a pastor with a pastor’s heart, a gifted speaker, his journey taking him all over the world, an author of numerous books on practical Christian living, and a man who is hopelessly in love with Luella.

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Displaying 1 - 30 of 71 reviews
Profile Image for Andrea.
301 reviews71 followers
May 29, 2019
There are some really good principles in this book, but I got really bogged down in the extreme repetitiveness of it. It felt like Tripp took the same material and wrote it 10 different times with slightly different contexts/themes to come up with 10 chapters. Honestly, only about 2-3 chapters worth of this was unique and I'm not even sure I care which 2-3 they are since they all can pretty much stand alone. If you read any 2-3 chapters, you'll probably get all there is. That being said, I actually did particularly like the penultimate chapter on God's generosity so if you're picking chapters, include that one.

There's nothing wrong with what Tripp says. In fact, he says what a lot of people who talk about money don't. He emphasizes that our money problems are ultimately heart problems. They reveal what we love and who we are (and who we think we are). They demonstrate who/what we worship and they are evidence of our fallenness. The way we think about money is often selfish and short-sighted. God models a different way through generosity and grace. Not only does he call us to reflect him in those same characteristics, but he exudes those characteristics toward us when we fail. We have hope, even in our money problems, because God is bigger than any trouble we face and he alone can change our hearts (the root of our trouble).

This is all good stuff. One or two chapters in I thought I would really like the book. It's convicting, but it points us the life that God intended us to have—joy and contentment in him. But as good as the material is, it was so repetitive that I had to force myself to finish the book because I felt like each chapter was just re-hashing everything that had already been said in a slightly different way. Sometimes I really wonder if he has a word quota that he has to meet or something. Some of these concepts are just really stretched to beyond what feels cohesive and organized.

Tripp loves nuance. All of his stuff is full of repetition. He likes to use the same sentence structure over and over and just change a few words for impact, I guess. But it's so much a part of his style and I've read/listened to quite a bit of it by now, that it's just gotten old and, after everything I've read, I feel like most of his stuff is really just a few core truths that he expands on in various ways. I felt the same way about his Christmas Devotional Come, Let Us Adore Him: A Daily Advent Devotional. I have two other Tripp books on my list for this year (and I'm intermittently working my way through his New Morning Mercies: A Daily Gospel Devotional), but I think I'm going to postpone them. Even though I'm really appreciating New Morning Mercies, I think it's the small, one-page doses that make it easier for me to take in without getting frustrated. In terms of larger works, I need a break.

I also felt like he missed some opportunities by using mostly the same examples of an unhealthy relationship with money like getting into debt, chasing after bigger homes, nicer cars, more clothes, better food and extravagant vacations. He referenced these same problems over and over but, while not everyone can relate to chasing what is extravagant, we all have money problems and they don't always manifest in such obvious ways. I was a little disappointed that he didn't get into some of the subtler symptoms of money/heart problems.

I did still get some good stuff from the book. What I appreciated most is below:

1. "It's personal heart change that always precedes personal habit change, and it's personal habit change that makes a good budget work. Isn't it good to know that the kind of change that is necessary to bring money sanity into our lives is just the kind of change that God's grace offers you and me? So there's hope for us and for our money."

2. "You can't understand money if you don't understand who you are and money is one of the principal ways you demonstrate who you think you are."

3. "The primary hope of every saint is that God's grace and wisdom bless you with the promise of fresh starts and new beginnings. Your money problems aren't the end of your personal story. Your money future is not determined by the level of your discipline, insight, and ingenuity alone, because God blesses you every day with his infinite wisdom and limitless power. As one of God's saints, when it comes to money you are not hopeless or helpless, because the author of reliable hope and the source of true help is now your father."

4. "Sin always has us assuming we know better, and embedded in that assumption is the belief that good things can result from what God says is bad."

5. "We don't see how much that lack of money or a desired thing causes us to doubt the goodness of God. And because we don't see this, we don't realize that we essentially have to switch kings as we gather for corporate worship, because the King we have come to worship is not the king we have served all week."

6. "The beauty of grace is that it not only rescues me; it puts me in my place. Grace humbles me as it opens my eyes to the face that it is not all about me. Grace makes me feel small without feeling alone and unloved. Grace tells me I'm poor while offering me greater riches than I have ever known."

7. "Your use of your money is an act of worship. Your spending depicts a worship of the Creator, the creation, or a troubling mix of both. You and I never spend money neutrally. We always worship our way through our bank accounts."

8. "Could it be that when it comes to finances, we have the whole thing upside down? When we think of money, we tend to think of it as God's primary means of providing for us and, oh, yes, he has called us to give. Could it be that Scripture teaches that God's primary purpose for money is that we would be tools of his generosity mission on earth and, oh, yes, he also uses it to daily provide for us?"

9. "God loves a cheerful giver because he is the ultimate cheerful giver, and whenever we live generously, we not only honor his generosity to us but, through our generosity, we point others to him."

As much as I was frustrated by the redundancy, I would still recommend this book to people as an aid to helping them think about money. It's a short book (about 150 pages), but my recommendation would be to spread out the reading of it over several weeks. There are study questions after each chapter and I think if I took a longer-term approach to this book, I wouldn't have been nearly as irritated by the repeating material. If nothing else, it should help the reader to get closer to the heart of their use of money and that's helpful.
Profile Image for Emma Leahy.
31 reviews
October 21, 2025
Rebecca says I only ready faith books this year… here’s another one
Profile Image for Paul Stuart.
115 reviews2 followers
May 23, 2025
"No amount of money, education, or budget construction has the power to free me of the ravenous greed of my sinful heart. For that, I can look only to one thing: the powerful grace of my Redeemer." (pages 82-83)

This quote sums up the book. Great resource on how to think through money as a heart issue, rather than a budget or skill or restraint issue. I used this to help teach a Sunday school class on financial stewardship, and it was absolutely essential to helping me craft and prepare the lesson. If you're looking to deepen your understanding on how all image-bearers should approach and repair their view of money, I highly recommend.

My only complaint is that the book gets very repetitive. You could read the first half and be pretty set to jump forward to the last chapter. Tripp even admits a few times "I know I've said this before, but it bears repeating..." Except it's not just single quotes he's repeating, he's repeating entire paragraphs and concepts. I skimmed over an entire chapter because it was superfluous. So, I think this could have been tightened up to around 100 pages, but then it would descend into weird "booklet" status. And who wants a booklet on money? Ha. Haha. Hahaha. I'm looking at you, Randy Alcorn.
Profile Image for Russell Threet.
90 reviews3 followers
April 28, 2018
There are a lot of things that could be said about this book, but what must be said is that it is different than any other Christian book on money I have ever read. It has a lot of good ideas and principles, but it begins on the proper foundations. The first few chapters of this book deal with who we are as humans in our fallen nature, sin, and the Gospel. Tripp teaches us that there is no path toward redeeming our attitude toward money apart from redeeming our whole selves in Christ. The way we treat our money is a symptom of a wrong understanding of God and the Bible, not an end unto itself. This book is not specifically a Dave Ramsey like how-to about your finances. It is instead a book that challenges us to operate our entire lives, including our use of money, through a redemption centered framework.
Profile Image for Gabriel.
152 reviews1 follower
September 17, 2022
A very refreshingly new take on money to me, and certainly lots to apply. I feel the book does well because the first two chapters provide a firm buttress to carry a consistent tone for the principles in the chapters that follow, that is - without us first adopting a biblical view of money and without admitting that we as sinners can make bad decisions and blame everything but ourselves, and therefore need to seek help/accountability - our use and view of money would be hard to redeem and reflect God.

In fact if one is to replace the topic of money with something else that we can idolise - this book would do well too, because the principles employed are so biblical and sound.
Profile Image for Theresa Petty.
612 reviews11 followers
February 9, 2024
Wow. As a girl who was raised in the home of a finical advisor, and then went and married one, I didn’t think I would learn much from this book. I was so wrong.
What I loved most about this book was how applicable it was. Tripp didn’t spout off a bunch of stats and leave us there. Instead he came along side us with the Word, and then gave us real ways to change our heart, view our money, and use it in ways that glorify Him.
“Could it be that when it comes to finances, we have the whole thing upside down? When we think of money, we tend to think of it as God’s primary means of providing for us, and, oh, yes, he has called us to give. Could it be that Scripture teaches that God’s primary purpose for money is that we would be tools of his generosity mission on earth, and, oh, yes, he also used it to daily provide for us?”
If you feel like you have struggles with debt and the way you spend your money, read this.
If you feel like you don’t have struggles with debt and the way you spend your money, read this.
Profile Image for ᴀᴍʙ&#x1f505;.
98 reviews6 followers
March 25, 2025
Paul David Tripp did a wonderful job portraying Scripture that relates to money in contrast to common presuppositions & worldly notions one may have on the subject. He encourages the reader that money is not an evil in itself nor are the gracious gifts God bestows through the means of money; they are simply gifts to enjoy to remind us of the real treasure found in Christ. He lovingly cautions readers to evaluate their reasons & motive behind their money habits, so as to determine where their worship lies. I especially love how PDT emphasizes that no one biblical topic can be dealt with in isolation from the Grand Narrative and he handles this topic well in that regard. The passages and reflection prompts at the end of each chapter were thought-provoking & quite helpful as well.
Profile Image for Charlotte Mitchell.
61 reviews
January 18, 2024
I always enjoy Tripp’s books. He seems to follow a pretty simple writing formula that puts a lot of emphasis on repetition. Usually, I don’t like this, but in books like this it drives the need of the everyday Gospel and allows for constant refocusing of the readers heart.

Now, this book doesn’t offer any practical financial or budgeting advice - it’s more so aimed at the heart we approach money with. I would highly recommend this to believers who may be struggling with idolatry or to those who are new to managing their finances - this way they can limit the time they spend serving themselves with their money and focus on serving Christ.
Profile Image for Josiah Richardson.
1,533 reviews28 followers
July 3, 2025
“For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.”

Sobering words for most of us. Money, like most anything else, can be used for good or for evil. But it also can corrupt us and make us evil too. Tripp explores a biblical understanding of money, what it looks like to be a good steward of your money, how to live with an open hand with your resources, and how to properly control it without being controlled by it.
Profile Image for Amanda.
912 reviews
December 11, 2024
This is a very good book about the theology of money. It is not a book about budgeting or anything like that. It is about how Christians should view money and how our hearts should be oriented in order to correctly use money. His chapter on generosity is especially good, probably the best chapter in the book.
Profile Image for Liz Gouger.
29 reviews2 followers
February 28, 2025
Solid book evaluating the deeper root of our view of money in relation to the gospel! He poses a lot of really good questions to make you think about why you make the money decisions you do and even why money is a stressor to each of us. Less practical application or a “here’s how to fix it” approach but things we all need to think about!
99 reviews6 followers
April 14, 2025
This is a pretty helpful book on the topic and gives a good biblical foundation for how to view money matters. I think it would be even better if it was less repetitive and if Tripp would have gotten into some more practical specifics.
284 reviews3 followers
July 13, 2022
Great reminders of Biblical truth and in typical Tripp-ian form, there are many solid diagnostic questions for the heart.
Profile Image for Mason Bramer.
72 reviews17 followers
November 6, 2023
Very helpful look at money’s influence in the heart. Repetitive at times, but a great stimulant for thoughtful reflection on what we love and what we ought to love. Wish he’d had introduced some more practical helps, and spent more time considering unwise saving alongside unwise spending.
Profile Image for Samantha Mockford.
135 reviews1 follower
January 1, 2024
This book gets straight to the crux of the matter. Money issues are heart issues. A bit verbose, but I’d recommend this book to anyone wanting to understand money through a gospel lens.
Profile Image for Nick Katenkamp.
1,570 reviews1 follower
May 21, 2022
Unfortunately repetitive and singular in focus, Paul Tripps’s Redeeming Money is a bloated book that should have been consolidated to around 60 pages. The book does share meaningful principles, though ones that take a macro approach and feel impersonal.
Profile Image for Abby Huette.
206 reviews9 followers
August 31, 2022
Helped me reset and rethink my use of money. The content is not earth shattering…but it’s helpful to read as a stewardship check-up. Am I living generously? Am I spending frivolously, and if so, why? What’s underneath my relationship with money? Comfort? Control? Need for security? Etc…I’d recommend it.
Profile Image for Gwilym Tudur.
89 reviews
March 17, 2022
Finding a good Christian book that addresses the subject of money is a difficult task. That's why I was very glad to discover 'Redeeming Money' by Paul David Tripp. This is a theologically robust book that helps Christians have a godly and healthy attitude towards money (earning, saving, giving etc.). It's both Biblically rich and practically applied.

The underlying reason why this is such an excellent book is that Tripp applies the gospel to our various money issues. He understands that our money problems cannot be solved by having a better budget or a more sophisticated financial ethic. Since many of our money problems are actually symptoms of deeper heart problems, we need a heart solution. We need fundamental transformation to reorientate our sinful hearts. It is only the gospel of Christ that can provide this. We need God's grace to change us before we can begin to use our money as God would have us do.

I also really enjoyed Tripp's use of illustrations in this book. Being a pastor and preacher at heart, Tripp uses many memorable analogies to illustrate his central points.
12 reviews
January 7, 2024
This good book could have been even better.

This is the first of Tripp’s books I’ve read. I benefitted from reading it primarily because he gets to the heart of what he calls “money insanity,” which is misplaced worship. He writes readably and develops a convincing case helpfully.

I do take issue with at least three theological assertions. Although I don’t think they take anything away from the sound principles set forth in chapters 1-9, and applied in 10, I point them out for your consideration as a reader.

First, in chapter 2, Tripp stresses the importance of the believer’s identity. He uses the word “identity” some 39 times. I do not fault him for this emphasis. Remembering who we are in Christ is crucial to honoring Him with our money. But, while we are creatures that were sinners, our identity as new creatures in Christ is that of saints, not sinners (see 2 Corinthians 5:17). As long as we live in unredeemed bodies, we do contend with a sinful tendency referred to as “the flesh.” We commit acts of sin. But doing so is not an expression of our nature which is new. Rather, the sins believers commit are unnecessary lapses into behavior consistent with the “old self” we are no longer (Romans 6:5-7). This may be what Tripp means by saying we are “sinners.” But his argument for the redemption of our money would be stronger, as well as more consistent with Scripture, if it were made on the basis that we have but one new nature. We are saints who can and should behave as such.

A second objection concerns Tripp’s concept of God’s Kingdom on page 98. He writes, “What is this kingdom? It is God’s gracious plan of redemption for us and the world we live in.” This statement confuses God’s program to redeem lost sinners with His program to reclaim His rule on earth through Christ, the second Adam. Jesus taught His disciples to pray that God’s kingdom (universal and eternal) would come on earth as it is in heaven. This will occur, but not until Jesus—rejected at His first coming—comes again.

A third critical observation is that Tripp repeats his confident assertion that God deals with us only with mercy, grace, patience, etc. Here is one example:

“Your Savior will never mock your foolishness. He’ll never tell you that you’re getting just what you deserve. He won’t tire of your mistakes or get irritated because you’re stubborn. He won’t tell you that working with you is wasting his time. He won’t ever quit, turn his back, and walk away” (p. 22).

While this may be true, the next sentence appears to be misleading: “He lavishes his grace on those who are lost, on rebels, liars, and cheaters. He pours mercy on the proud and the selfish.”

James 4:6 says, “…’GOD IS OPPOSED TO THE PROUD, BUT GIVES GRACE TO THE HUMBLE.’”Hebrews 12:6 says, “FOR THOSE WHOM THE LORD LOVES HE DISCIPLINES, AND HE SCOURGES EVERY SON WHOM HE RECEIVES.” That God holds his servants to account for their stewardship of what He has entrusted to them, is the very point of the Lord’s Parable of the Talents in Matthew 25:14-30. He will test the works of believers by fire with the result that some will suffer loss of eternal rewards, according to 1 Corinthian 3:11-15.

My overall evaluation is that this good and helpful book would have been even better if it urged those no longer sinners by nature to work out their own salvation with respect to money in fear and trembling (Philippians 2:12-13).
Profile Image for Michael T Moos.
150 reviews3 followers
December 9, 2021
You should read this as you, or you and your spouse organize, plan and desire to be faithful stewards of what the Lord has given you to manage.

“As they heard these things, he proceeded to tell a parable, because he was near to Jerusalem, and because they supposed that the kingdom of God was to appear immediately. He said therefore, "A nobleman went into a far country to receive for himself a kingdom and then return. Calling ten of his servants, he gave them ten minas, and said to them, ‘Engage in business until I come.’ But his citizens hated him and sent a delegation after him, saying, ‘We do not want this man to reign over us.’ When he returned, having received the kingdom, he ordered these servants to whom he had given the money to be called to him, that he might know what they had gained by doing business. The first came before him, saying, ‘Lord, your mina has made ten minas more.’ And he said to him, ‘Well done, good servant! Because you have been faithful in a very little, you shall have authority over ten cities.’ And the second came, saying, ‘Lord, your mina has made five minas.’ And he said to him, ‘And you are to be over five cities.’ Then another came, saying, ‘Lord, here is your mina, which I kept laid away in a handkerchief; for I was afraid of you, because you are a severe man. You take what you did not deposit, and reap what you did not sow.’ He said to him, 'I will condemn you with your own words, you wicked servant! You knew that I was a severe man, taking what I did not deposit and reaping what I did not sow? Why then did you not put my money in the bank, and at my coming I might have collected it with interest?’ And he said to those who stood by, ‘Take the mina from him, and give it to the one who has the ten minas.’ And they said to him, ‘Lord, he has ten minas!’ 'I tell you that to everyone who has, more will be given, but from the one who has not, even what he has will be taken away. But as for these enemies of mine, who did not want me to reign over them, bring them here and slaughter them before me.’”
Profile Image for Nicole.
179 reviews3 followers
May 9, 2018
This is NOT like a Dave Ramsey book or a how-to book for Christian finances. This book is totally and completely a book to help examine our hearts and expose our sin issue. Using the lens of the gospel, Tripp helps you to navigate some deep heart issues and apply Scripture to a really tough area. Poor or rich, you have heart issues when it comes to money. Have you deeply examined yourself? This book unveiled many hidden things in my heart to me. Here are two quotes to give you a look into the heart of the book.

"We don't have a budget problem; we have a treasure problem. We don't have a financial problem; we have a kingship problem. We don't have a things problem; we have a heart problem... Our problem with money is rooted in a dramatic undervaluing of the gift of Jesus and his grace. It is only when King Christ is given the proper value in our hearts that King Money will have neither the power nor the room to rule us."

"We need a brand-new way of thinking about money, a way that is rooted in the gospel story and its narrative of the lavish grace of God, most powerfully pictured in the amazing gift of the Lord Jesus. Through the life, death, and resurrection of Jesus, God frees us from our bondage to ourselves (in terms of money, that means always starting with our interests and concerns) and he frees us to find our identity, meaning, and purpose in him. He calls us to embed our personal money stories in the larger generosity story of Scripture. This means resting in the fact that he has committed to provide everything we need (not want) and accepting that he calls us to be part of his mission of grace. So we view our money not primarily through the lens of personal provision, but through the lens of God's generosity mission on earth."

I received a free copy of this book from Crossway in exchange for an honest review.
Profile Image for Johnny.
44 reviews8 followers
October 15, 2018
So many personal financial talks begin with education and a budget. That is not where Paul David Tripp in his book Redeeming Money: How God Reveals and Reorient Our Hearts says begin. In this book published by Crossway Tripp takes us to the heart of the problem which happens to be the heart.
Tripp, who has been responsible for over 30 books or video series brings years of experience as a counselor to this book. This book is filled with examples from those years of people who have allowed money to destroy them.
He encourages us to look at ourselves and believes that money is one of the principal ways to demonstrate who you think you are. By looking at a person’s relationship to money, you get a sense of that person’s identity. Therefore, he tells you to take a good long look at your heart.
I personally took a lot away from his chapter 4 entitled: Money and the Grace of Surrender. In that chapter he looked at the Lord’s Prayer as a guide for us to surrender to the Lord and change our views of money. He says, “Financial sanity doesn’t begin with hard work and careful budgeting, although both are beneficial. Money sanity begins with surrender, a surrender that rescues us from ourselves and frees us to use what God has provided in the way he intended.” From there he unpacks the Lord’s Prayer in a very helpful manner.
This will definitely be a book that I will refer back to as I come across this subject again in my life and preaching. It is filled with convicting truth. It made me think through my own personal view of money.
I received a copy of this book from the publishers for an honest review.
Profile Image for Paige Gordon.
Author 6 books70 followers
January 30, 2019
This is by far the best and most unique book on biblical finances that I’ve ever read (and I’ve read a LOT). Far from being a book focused on how to handle money in a day to day sense (budgeting, debt, etc) it is a book almost solely focused on the spiritual aspect of money and what it reveals about who reigns as the king of our hearts. It is incredibly convicting and if you allow it, it will help you make a deep examination of your own heart and motives underlying your financial decisions. It is by no means an easy book but it is a powerful one and it if you really let the message get inside of you, it has the potential to radically change your life and help you resolve once and for all the money issues in your life. If you have struggled to put into practice all the logistical advice you’ve received about money and can’t seem to kick the bad habits and problems you have with it, this book will help you come to grips with what the real issue is (a kingship problem) and encourage you to turn to Jesus and receive his free gift of grace - the only thing in the world powerful enough to change your heart. This is absolutely joining the required reading list!

Favorite Quote: “We don’t have a budget problem; we have a treasure problem. We don’t have a financial problem; we have a kingship problem. We don’t have a things problem; we have a heart problem. If we don’t deal with the kingship problem, we will never successfully deal with the spending and budgeting problems so many of us face.”
Profile Image for Dr. David Steele.
Author 8 books263 followers
March 14, 2018
“For where your treasure is, there your heart will be also” (Matt. 6:21). The words of the Lord Jesus Christ cut through every conceivable pretense, motive, and smokescreen. In a similar fashion, Paul David Tripp exposes our hearts in his book, Redeeming Money.

Tripp’s aim is to write a winsome book which is informed by the Christian worldview and motivated by the gospel of Jesus Christ: “If you and I don’t let the gospel of Jesus Christ correct our assumptions about life, we won’t be able to evaluate and gain ground in the way we understand and relate to money and make practical money decisions.”

The author presents four foundations that reflect a gospel-centered worldview:

1. At the center of the universe is a God of incalculable glory.
2. We live in a world terribly broken by sin.
3. God offers us his heart and life-transforming grace.
4. We were created to live for something bigger than ourselves.

These foundations enable Tripp to proceed in a way that serves his readers well. With these helpful principles in place, they can understand and make financial decisions that make good biblical sense and ultimately, glorify God.

Dr. Tripp makes it painfully clear that money problems reside within us. Instead of being content with what God has graciously provided, we crave for more and more. Discontentedness dominates our hearts. The author adds, “It is ingratitude, neediness, discontent, and envy of the heart that causes us to be all too money conscious, all too self-focused in our use of it, and all too liberal in our expenditures.”

Instead of finding our satisfaction in Christ, we long for substitute “saviors” that bring short-term satisfaction: “Either you are using your funds in the worship of yourself … or you are using your money in the self-conscious worship of God.”

Redeeming Money is like a relentless battering ram that smashes pride, self-interest, and idolatry. It is like a probe that searches for self-indulgent sin. And Redeeming Money is like a surgical scalpel that cuts out the pride, which is lodged in the sinful human heart.

Paul David Tripp does not write as a so-called expert. He does not write as a financial planner or investment counselor. Rather, he writes as a fellow struggler. And perhaps, this is one of the most endearing aspects of the book. After Tripp surfaces sin, he admits that he also battles sins, which are buried deeply in the heart. But he does not leave readers dangling in no man’s land. No! Trip encourages us with the power of the gospel and acknowledges our deep need of grace.

It is the gospel of Jesus Christ that makes Redeeming Money truly unique. This is a rare book in a market, which is flooded with books on finance. Most, however, fail to provide hope that offers freedom, forgiveness, and final salvation, which is found in Christ alone. Redeeming Money is a helpful, encouraging resource that will serve many people well in the days to come.

I received this book free from the publisher. I was not required to write a positive review.
Profile Image for Chad.
1,252 reviews1,026 followers
June 12, 2025
I was disappointed by how impractical this was. It's (repetitively) about big-picture perspective, foundational principles, and motives. It teaches that we should primarily use our money to advance God's Kingdom rather than seeking our personal pleasure, which is fine, but it doesn't provide biblical guidance on deciding how much to save, spend, or give, setting financial priorities, making financial decisions in a marriage, etc. I wasn't expecting percentages or dollar amounts, just direction on applying the Bible to personal finance. As it's written, I got the impression that we should live on as little as possible so we can give as much as possible to Christian causes and people in financial need.

Chapters end with questions for reflection.

Notes
Putting on the Right Glasses
We selfishly want God to finance what will bring us happiness. When He doesn't, we tend to question His goodness and back away from Him.

Warning and Hope
A grateful heart focuses on riches God has provided despite your not deserving them, not on what's lacking. Greatest protection against temptation is grateful heart. Recognize that God knows better than anyone what you truly need, and has met those needs.

Money and the Grace of Surrender
It isn't wrong to invest in home for your family, or feed family well, or take week of rest and relaxation somewhere nice.

Examine how much of your money goes toward pursuing your own happiness compared to how much goes toward glorifying God.

Money Matters
Discontentment comes from ingratitude for what you've been given and don't deserve, and considering wants needs.

Questions to ask yourself
• Does it make you happier to use money for your own purposes and pleasure or to give it to God for His purposes and Kingdom work?
• Is it far easier for you to get than give?
• Do you envy others who have resources you don't?
• Does your contentment rise and fall with your available money?
• Do you lack compassion toward those needier than you?
• Are you ready, willing, quick to give?
• Are you glad to give, even when you don't have much?

Money can be a great blessing: Deut 15:10; Pro 3:9-10; 10:15; 22:7; Mal 3:10; Lk 16:10-11; Acts 20:35.

You Can't Take It with You
It's right to spend money to enjoy creation, if done in a way that worships Creator.

The Generosity Agenda
God's primary purpose for money isn't providing for our personal needs, but for us to be His ambassadors, joyfully using our money to advance His generous mission of grace (Mt 6:19-34).
Profile Image for Jeanie.
3,088 reviews1 follower
July 3, 2018
We need a brand new way of thinking about money, a way that is rooted in the gospel story and its narrative of the lavish grace of God, most powerfully pictured in the amazing gift of the Lord Jesus. Through the life, death and resurrection of Jesus, God frees us from our bondage to ourselves (in terms of money, that means always starting with our interests and concerns) and he frees us to find our identity, meaning, and purpose in him. e calls us to embed our personal money stories in the larger generosity story of Scripture. This means resting in the fact that he has committed to provide everything we need (not want) and accepting that he calls us to be part of his mission of grace. So we view our money not primarily through the lens of personal provision, but through the lens of God's generosity mission on earth.

We can have the best budget, make good money, have a righteous attitude in how we handle our money or be in despair in how we spend our money, all of this comes to the heart. What the heart wants, what the heart prides itself with is revealed in how we view money. How we spend it and how we make it. Tripp is one of my favorite bible teachers as he does not make it about the deed but about the heart. The desires of the heart. Jesus spoke more about money than he did about heaven and hell. Because the money leaves a trail of where our heart really is. I liked that is study is not only about the one who doesn't handle money well but also the one who never has to worry about money. What it all comes down to who would be without all the gifts God has given to each of us.

There is a rescue and surrender aspect of money. We need to be rescued from the pull of money, the love of money and surrender our desires to what will be for eternity. The love of money is real to deny it will be disastrous. Tripp even admits that he himself struggles with this and it would do ourselves likewise. We deal with money every day. We are bombarded with living the good life now and keeping up with everyone else. Money makes a terrible God according to Tripp but money is not evil but the love of money can drive us to evil.

I highly recommend this read as it is not a list of things to do but more of list to be.

A Special Thank You to Crossway Publishing and Netgalley for the ARC and the opportunity to post an honest review.
Profile Image for Jacob Schwander.
87 reviews5 followers
August 27, 2021
Have you ever struggled with using the money given to you by God to seek the pleasures of this world? Here I'll go first! Yes I have! I have done so many times. Now it's your turn... Yes, that should be the answer. In no way do I mean to make you feel bad or shame you. I am also guilty of using the money God has given me to support my desires. Is it merely a matter of inevitable inertia? Why do we spend so carelessly?

Scripture explains it clearly.

The answer starts with our heart. Who are we worshiping in these moments? It is always the case that when we don't have our hearts set on the Lord and his kingdom, we will devote our hearts to worshipping ourselves. Who is our king? Jesus the messiah? or the kingdom of selfish desire? Are you living in the kingdom of selfish desires or the kingdom of righteousness? The truth is the money in our possession does not belong to us. We have been generously provided with enough by God. He wants to graciously bless others with his money. Money is not the problem. It's us. It is perfectly acceptable to want to provide your family with extra luxuries. Take a minute to think next time you're at the supermarket or on Amazon. Where does this money come from? What can be done with this money that honors God's Kingdom? It was a pleasure to read such an insightful book from Mr. Tripp.
Profile Image for Cassi.
271 reviews
September 25, 2024
I always appreciate how Paul Tripp dives to the heart level and relentlessly keeps his readers there. His book about money offers no sample budgets, no principles about what percentage of your income should be allocated to expenses, no advice on investment accounts or emergency funds. Instead, he offers timeless truths from Scripture that apply to any Christian in any economy. He warns us to watch out for signs that we love money and expect it to deliver the desires of our hearts. He reminds us that in Christ, we have everything we really need, and that many of our “needs” are actually wants. He calls us to cultivate humble hearts that recognize we are susceptible to be foolish and even sinful with our money and rely on Jesus for the grace we need daily. He argues that while a budget is great, it doesn’t make a lasting difference if our hearts are not oriented rightly. He points us to God’s lavish generosity and challenges us to reflect His generosity with our money. He exhorts us to spend, save, and give with an eye toward eternity. This book has prompted much-needed self-examination, and I can see so clearly how the Lord has been faithful to use it in tandem with my circumstances to help me identify encumbrances to throw off as I seek to imitate Christ.
Profile Image for Derek.
1 review1 follower
February 4, 2020
When it comes to money, most of us likely live by the famous words of noteworthy 90's poet, The Method Man. "Cash rules everything around me. C.R.E.A.M. Get the money. Dollar Dollar Bill Y'all!" But in 'Redeeming Money', Paul David Tripp points out how our lives should be ruled by something much greater. Over ten chapters, Paul breaks down how our use and perception of money reveals what we believe and think about God.

Paul pulls no punches when it comes to discussing how we tend to view money and why despite our circumstances, it's not about building up worldly treasures for ourselves, it's about bringing glory to God with what He's blessed us with. As mentioned in the book, just because you're good at budgeting doesn't always mean you're heart is in the right place.

This ain't no Dave Ramsey, cut up your credit cards, how to manage your finances manual. It's all about examining our hearts and determining what it is that we truly live for. Whether debt has been a constant issue for you or you've never had to worry about money, we will all benefit from taking time to bring God into our finances and seeing our earnings through His eyes. Great read.
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