Can generosity pay the bills?


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I understand how unappealing it can be to financially give. Most days, the anxiety-free lifestyle that a healthy savings account provides can be far more enticing than writing a check for a child’s education in Myanmar. However, could there be more benefits to generosity than the satisfaction of imagining a kid on the other side of the world going to school everyday?

I spent 2012 putting this question to the test.

For the first 6 months of the year, Analee and I only gave away a small percentage of our income. A need would arise, so we would give, but it was always very unintentionally. For the last 6 months of 2012, we intentionally put 8-15% of our paychecks into a special bank account. The money in this account was then, overtime, given to needs, causes, churches, or an occasional act of kindness throughout the month.

With the help of Mint, a personal-finance-tracking app, I was able to monitor the amount of money we gave away in proportion to the unexpected income we received over the 12-month-period of time. Unexpected income was considered to be anything beyond my base income (which stayed fairly consistent), including special projects, random gifts such as custom hawaiian shirts , or work bonuses.

The results built a jaw-dropping case for generosity.

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1. It is 6x’s better to give than to receive.

I had to compute and recompute the math several times before I believed the numbers. But, when Analee and I intentionally gave over the last 6 months of the year, our Return on Investment was 610%. This means that for every $1 we gave away in a 6 month period of time, an average of $6.10 of unexpected income came back to us.

I’m not sure there’s anymore to say. The numbers seem to do a decent job at drawing a perplexing, but beautiful conclusion about giving.

2. We didn’t starve when we didn’t financially give.

Excuse me for this personal rabbit trail. But, another intriguing discovery to me during this experiment was that when we didn’t financially give, we didn’t suffer thanks to the instant loan approval options.

Over the first 6 months of 2012, we unintentionally gave away a little over 2% of our base income. And even then, for every $1 we gave, we received $3.40 of random and unexpected income.

I guess somewhere in me, there’s still this antiquated-fear-infused perspective that God punishes those that don’t hand over 10% every Sunday morning. Yet, it’s Jesus’ words that seem to more adequately explain the results of my little experiment. With his typical diversion, he takes all weight out of the Jewish law of 10% tithe and re-frames it with no fear attached…

“It is better to give than to receive.”

3. We don’t always reap in the same way that we sow.

Yes, my experiment depicts that when we financially sowed in 2012, we financially reaped. However, I don’t believe it has to look this way for us to arrive at the same beautiful conclusion.

During the first 6 months of 2012, I wasn’t intentional in giving away our finances. However, what I was intentional with was giving my time to building friends’ businesses, consulting non-profits, & random needs as they came. In return, I didn’t see people working for me for free. Yet, I did see additional work projects and random gifts produce $3.40 of extra income for every $1 we gave away.

In the end, there may not be a magic formula to reaping and sowing and most likely is more about the heart of the giver than anything else. However, in my experience, generosity is not just beneficial to its recipients, but can be incredibly rewarding to its giver. So much so, that the competition for my allegiance between the false security of a healthy savings account and intentionally giving doesn’t feel like much of a competition anymore.

Every story of radical generosity I’ve heard in my life has had a way of building my capacity and excitement for giving. If you have ever experienced this enigma of reaping what you sow in unexplainable proportions, do me a favor and share your story in the comments below. Let your story lift us from our daily grind and monthly bills to be inspired, once again, towards radical generosity.

  • http://www.shakindaproductions.com graham

    great word Tyler, I would be interested to hear your view on giving from a place of debt, eg credit cards which aren’t totally pressing… can you give your way out of debt by putting the unexpected income back into repayments? how did you define the 8% vs the 15% in the intentional 6months was it a by Holy Spirit leading or in response to that months needs?

  • Ashy Ntlatseng

    I am a great product of generous giving coming from a poor and broken home backround in South Africa. Thinking back carefully, 80% of what I received was not financial but more like love, guidance, mentoring, meals, a roof and wisdom that equiped me to achieve the Education and the life I have today. For those who do not know my roots, it is often hard to match the person I am today with the girl in the story I tell.
    In a nut shell, I give today not because it is an expectation or a command, but rather because those who nurtured me in their giving ingnited the giving in me. I often ask myself – where would I have been if that person did not give.
    Today, I give intentionally and unintentionally. My intentional giving has happened by noticing a need, and saving for it if it needs saving and then bless.
    However, I was captured by what you indicated about a savings plan that one can create for intentional giving, and that is something I think I can go ahead with.
    Thank you so much for this platform

  • http://facebook.com/profile.php?id=804415157 Joshua Rodd

    It’s not giving if you expect a positive return:

    Luke 6:33: “And if you do good to those who are good to you, what credit is that to you? Even sinners do that. And if you lend to those from whom you expect repayment, what credit is that to you? Even sinners lend to sinners, expecting to be repaid in full. But love your enemies, do good to them, and lend to them without expecting to get anything back. Then your reward will be great, and you will be children of the Most High, because he is kind to the ungrateful and wicked.”

  • Melody Prout

    Ok yes. I’ve never crunched the numbers, but now I might! I definitely see a difference in my bank account and general happiness when I give. To me it ends up looking like “time spent” gifts come back around, like people donate studio time, or want to build music with me… So it’s blessings in areas where I really couldn’t finish things by myself. Also, and here’s gettin personal for you…when I’m excessively careful with book keeping, making sure clients aren’t over-paying, keeping a credit on the invoices, or even not charging for that extra 15 minutes (the 15 that I didn’t actually work but was already on the projected invoice) I always end up being more than taken care of financially. Giving is becoming my favorite thing! It’s so fun!

  • http://erickabjackson.blogspot.com Ericka J.

    Oh man… this is one of my favorite blogs from you thus far! My husband and I have done very similar “experiments” and could tell you some stories that would blow your mind! God always, always, always returns what we give away – in our experience, around 100 fold each time. It has been overwhelming to experience. It is the reason we are able to do full-time non-profit work when it shouldn’t (financially) make sense at all. We just keep giving and He keeps providing!

    I’m reminded of Malachi 3:10 – “Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.” – If He will “throw open the floodgates of heaven” for our tithe, then how much more will He bless our generosity (above and beyond just tithing – even when it hurts?)

    Would love to chat about this over coffee and share some of the incredible details of our story with you. I have all sorts of ideas about why this “works”. I think it’s a lot less to do with how much we give, and a lot more about God blessing us in response to us TRUSTING Him (enough to be recklessly generous in our giving!) Look us up next time you’re in Birmingham! And keep writing – I love your perspective!

  • Allen Hopson

    One of the great ways we see God giving back to us is not even necessarily the unexpected money but many times in my own life it is the prolonging of items. For example the tires on my car have lasted over 90,000 miles, none of my household appliances have needed repairs in the last year, my vehicles have only needed basic maintenance and so on it goes. So often we miss those details when we look at it from only a spreadsheet dollars and cents point of view. And we miss out on the little details we are blessed in just by our generosity and our worship to Him in our giving. Excellent article as always!

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