hands holding empty wallet and phone

Why You’re Still Broke: The Truth About Tithing & Financial Freedom

March 18, 2026•5 min read

Have you ever felt like you were doing everything "right" according to your faith—tithing, attending every service, and sowing seeds—yet your bank account still feels stuck? You aren’t alone. Many believers find themselves in a cycle of financial frustration, wondering why the "windows of heaven" haven't seemed to open for them despite their obedience to traditional church teachings.

After a three-week hiatus spent reflecting and studying, Dr. Dwayne returned with a provocative and soul-searching message:"This is why you're broke."It’s a bold statement, but it’s rooted in a deep desire to move away from religious "error" and toward a rightful division of the Word of Truth. This isn't just about money; it's about understandingKingdom financesfrom a truly biblical perspective rather than a legalistic one.

The Misunderstood Context of Malachi 3:10

For decades, the "go-to" scripture for financial teaching in the church has been Malachi 3:10:"Bring the whole tithe into the storehouse, that there may be food in my house."We have been taught that if we don't give ten percent of our gross income to our local church, we are "robbing God."

However, Dr. Dwayne challenges us to look at theliteralcontext of this passage. The book of Malachi was written to an agrarian society. More importantly, it was directed at theLevitical priesthood—the leaders who were misappropriating the resources intended for the temple and the needy. In that era, those who served the temple did not have an inheritance of land, so the tithe (which was often food and livestock) was their sustenance.

When we take a scripture written specifically to a Jewish priesthood under the Old Covenant and apply it as a mandatory "tax" on modern Christian believers, we risk missing the heart of the message. Your local church is not the Old Testament "storehouse," and your pastor is not a Levitical priest authorized to collect a mandatory tithe under the Law of Moses.

Why the Traditional Tithing Teaching Can Be Destructive

You might ask, "How can tithing be destructive if it’s in the Bible?" The destruction doesn't come from the act of giving, but from thelegalistic frameworkattached to it. Here are a few reasons why this traditional approach can be problematic:

  • It creates a false sense of security:Many people tithe as if it were a "transaction" or an insurance policy, expecting God to move because they "paid" Him.

  • It ignores universal principles:If tithing were a divine, universal law for financial blessing, then no unbeliever would ever be wealthy. Yet, we see people who do not follow the Christian faith prospering every day. If a principle is divine, it must be consistent.

  • It places believers back under the Law:According to Galatians 5, when we try to justify ourselves or seek God's favor by keeping a portion of the Law (like tithing), we risk nullifying the effect of grace in our lives. Jesus came tofulfillthe Law, not to give us a checklist of rules to follow to earn His love or provision.

Dr. Dwayne emphasizes that he isnotsaying you shouldn't give. In fact, giving is a vital part of the believer's life. The issue is themotiveand theunderstandingbehind the gift.

Grace-Based Giving vs. Legalistic Tithing

If we aren't "required" to tithe ten percent under the Law, how should we handle our finances? The New Testament shifts the focus from a percentage to the heart. We are called to be generous, cheerful givers who support the work of the Gospel and the needs of others.

Dr. Dwayne clarifies that youshouldgive where you are being fed spiritually. Youshouldgive to support initiatives that elevate the name of Christ. But this giving should be a response to the grace of Jesus, not a fearful attempt to avoid a curse. In the Kingdom, it’s not "Jesusplusmy 10% equals blessing." It is Jesus alone who is our source and our provider.

The Power of Proverbs 19:17

One of the most overlooked "systems" of Kingdom finance is found in Proverbs 19:17:"Whoever is kind to the poor lends to the Lord, and he will reward them for what they have done."

This is a profound shift in perspective. When you have pity on the poor and give to the "widows and orphans," the Bible says you are actually lending to God. Think about that: God considers Himself a "debtor" to those who care for the less fortunate, and as Dr. Dwayne reminds us,"My God ain't no deadbeat God."He is faithful to repay what is given in compassion.

Key Takeaways for Financial Freedom

Breaking free from financial struggle requires a shift in mindset and a return to biblical truth. Here are the core insights to remember:

  1. Study the Context:Always read the Bible in its historical and covenantal context. Understand that Malachi was addressing a specific issue with the priesthood, not setting a permanent financial tax for the Church.

  2. Understand Fulfillment:Jesus is the fulfillment of the Law. We don't give togeta blessing; we give because we arealreadyblessed in Christ.

  3. Prioritize the Needy:Kingdom finance isn't just about keeping the lights on in a building; it’s about having a heart for the poor. Lending to the Lord through acts of kindness is a powerful biblical principle.

  4. Give Cheerfully:Let your giving be an act of worship and a response to the Holy Spirit’s leading, rather than a response to pressure or manipulation from a pulpit.

  5. Investigate the Premise:If a teaching isn't working for you or the people around you, go back to the Word. Don't be afraid to question traditions that don't align with the finished work of Jesus.

Conclusion: Walking in Truth

The goal of this teaching isn't to discourage support for your local assembly, but to set you free from the guilt and frustration of a false narrative. When we understand that our financial standing isn't based on a legalistic formula, but on our relationship with a loving Father and our alignment with His heart for people, everything changes.

It’s time to stop looking for "clickbait" blessings and start standing on the side of truth. God wants you to prosper, but He wants that prosperity to come through a healthy, grace-filled understanding of His Word.

Want to dive deeper into this discussion and hear the full breakdown of these biblical principles?Watch the full video now to catch the rest of this life-changing message!

Watch the full video: https://www.youtube.com/watch?v=2kSnEtTavSA

Dr. Wayne T. Richards

Dr. Wayne T. Richards

Dr. Wayne T. Richards, D.Min, M.Div. is a revered spiritual leader, seasoned minister, and passionate advocate for deliverance and freedom in Christ. With decades of experience in ministry and a deep understanding of the supernatural realm, Dr. Richards has dedicated his life to equipping individuals with the tools and knowledge needed to experience spiritual liberation.

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