Faith & Finance - Banking as a Discipleship Tool for Gen Z and Young Adults with Aaron Caid

From Crossway Radio · 24:57

Show by Crossway Radio Network

Financial literacy matters, but for Christians, knowing how money works is only the beginning. True financial wisdom involves understanding not just how to manage money, but why we manage it and whom we're ultimately serving.For Gen Z and young adults, developing healthy financial habits can lay the foundation for a lifetime of faithful stewardship. And even something as ordinary as choosing where to bank can become an opportunity to put biblical values into practice.Aaron Caid, Chief Marketing Officer at AdelFi Christian Banking, shares how parents, families, and financial institutions can help the next generation develop a biblical perspective on money.Why Financial Literacy Alone Isn't EnoughYoung adults face significant financial challenges, and recent research reveals just how important financial education has become.According to the 2025 TIAA Institute–GFLEC Personal Finance Index, Gen Z respondents correctly answered only 38% of basic financial literacy questions, compared with 55% among baby boomers.These findings highlight a concerning gap in financial knowledge. But as Caid explains, financial literacy alone isn't enough.Someone can understand budgeting, investing, and saving while still developing an unhealthy relationship with wealth. Without a foundation of biblical stewardship, financial knowledge can just as easily become a tool for materialism as a means of honoring God.Biblical stewardship begins with recognizing that God owns everything and has entrusted us with resources to manage according to His purposes. Scripture provides a framework for those decisions, encouraging believers to prioritize:Giving generously to others.Providing for their families.Meeting their financial obligations.Saving wisely for future needs.Gratefully enjoying God's provision.These principles help young adults approach money differently from the surrounding culture. Rather than measuring financial success solely by how much they accumulate, they can learn to evaluate their decisions through the lens of faithfulness, contentment, and generosity.Financial Discipleship Begins at HomeWhile financial education is valuable, some of the most influential lessons young people receive about money come from watching their parents.Caid openly acknowledges that he didn't model financial management as well as he could have when his children were younger. Now that they're young adults, he's still working to reinforce some of those lessons.His experience underscores an important truth: Financial stewardship is often caught as much as it is taught.Children learn about money not simply through conversations about budgeting or saving, but by observing how their parents make everyday financial decisions.Do they see generosity practiced consistently? Do they witness contentment rather than constant striving for more? Do they understand why their family saves, avoids unnecessary debt, or chooses to live within its means?These ordinary decisions can become meaningful opportunities for discipleship.Financial health is rarely the result of one extraordinary decision. More often, it's developed through small, faithful habits repeated over time. Budgeting consistently, saving regularly, giving generously, and learning contentment all contribute to a healthier relationship with money.When parents explain the biblical convictions behind those practices, they help their children understand that stewardship isn't merely a financial responsibility. It's part of following Christ.How Banking Can Become a Discipleship ToolFinancial disc

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