There is always something or someone vying for our hearts; the list seems endless: spouse, friends, the latest technological device, cars, even God.  Think about the relationship with things (what money can buy) and how it can affect relationships with others (spouse particularly). The reality is that couples often avoid talking about money which can lead to a strained relationship.  Why?

The issue of money is truly a heart matter that impacts other areas of your life. In my role as a financial advisor, I have come to realize the need of speaking to the heart of clients rather than just talking about rates of returns. The heart discussion involves talking about what motivates financial decisions.  Many advisors are satisfied that a financial decision is made and avoid the deeper questions. Asking a question like, “Are husband and wife on the same page with the decision?” is necessary because it directly impacts the relationship.

The challenge is this: “The heart is a twisted thing, not to be searched out by man: who is able to have knowledge of it?” (Jer. 17:9 BBE).  How can our hearts be known? David prayed: “Search me, O God, and know my heart” (Psalm. 139:23). He continues, “see if there be any wicked way in me” meaning any hurtful way or habit. Relate this to finances; it is very easy to create bad habits in spending because the heart is attracted to so many things. The term “wicked way” can also be translated idol.  Mankind can easily establish an idol without even recognizing it, which is the reason for David’s prayer. His prayer was “see if there be?” Clearly he was uncertain about his own heart. How can we know our own hearts then, especially as it relates to money? Who is qualified to help?

“The word of God is alive and powerful … It exposes our innermost thoughts and desires” (Heb. 4:12 NLT).  This is the reason it is important for financial professionals and counsellors to incorporate biblical wisdom into their advice; because it reveals what is in the heart.

“A plan in the heart of a man is like deep waters …” (Prov. 20:5a NASB).  The innermost thoughts and desires can be difficult to explore. This verse goes on to say “… but those with understanding can draw it out” (v. 5b NCV). In other words, we need to be people who do not lean on our own understanding, who will help search for what may be hidden in hearts, and what motivates our decisions. The entrance of biblical truth is the light that exposes innermost thoughts and desires.

Are you an advisor with understanding that can help clients accomplish their financial goals? Are you willing to help search out the deep waters? Have you become a person of understanding in your work and personal relationships? Are others seeking you out because they desire to have deeper conversations?