Capital Campaign

Most tithing Protestants still prefer a physical collection plate to a digital one. A Lifeway Research survey of 1,002 American Protestants found that since the pandemic, more people are giving online—but still not most. Today, only 7 percent of those who tithe use a church smartphone app. Only 8 percent have set up automated bank payments.

Preferred Mode of Tithing:

62% Only cash or check

36% At least one form of electronic giving

02% Don’t know

True or false: In general, bigger donors to churches, ministries, and charities give more because they have more ability to give.

Answer: It’s a trick question. The correct answer, to some extent, is both true and false.

The true part is that people with more money do tend to give away larger amounts of money. Grey Matter Research studied evangelical Protestants in 2021. Among donors, they found median giving to church and charity in the past 12 months was $2,200 when household incomes were $100,000 or more, dropping to just $200 when incomes were below $30,000. Clearly, higher-income evangelicals give more.

The false part is that when you evaluate giving amounts as a percentage of household income, they saw almost no difference in generosity between more affluent and less affluent evangelical donors. (Generosity is simply the proportion of household income that is given away.)

Donors with household incomes below $30,000 give away a median of 1.5% of their pre-tax income. The median is a nearly identical 1.56% when incomes are $30,000 to under $60,000. It does rise slightly to 1.85% with incomes of $60,000 to under $100,000, but then falls again to a median of 1.56% among donors earning six figures.

In other words, evangelicals who give money generally do so at a pretty consistent (and consistently low) rate, no matter what their income is like. But 1.5% of $100,000 is obviously twice as much cash as 1.5% of $50,000, so the amount of money rises as income rises.

Regardless of whether you consider tithing to be a biblical mandate or guideline, the chances are you’re not close to it: only about 13% of evangelical Protestants give anything close to a tithe.

Who are the most generous givers? As a nation, America tops the charts. The three most charitable cities in America are all in Idaho. On average practicing Christians in those Idaho cities give $17,977. That beats out the giving from people in New York City, Los Angeles, and Chicago, which averages $3,308 per person.

Age also makes a big difference in giving. Eighty four percent of millennials give less than $50 to charity per year even though charitable giving ranks high on their priorities.

Today, the average church attender gives 2.5% of his or her income annually. During the Great Depression, that number was 3.3%. Thirty seven percent of those who consider themselves evangelical Christians don't give at all to their churches. Only 2.7% of evangelical Christians practice tithing.

Editor’s Note: You can read this fascinating Barna survey with all the stats here.

Many use Facebook as a way to keep in touch with friends and acquaintances, but others use it to play games that involve virtual farms, virtual pets, and virtual mob wars. What's fascinating is that in some of these games, a person can buy virtual goods—fertilizer or additional pets or guns. But these items don't actually exist, of course. They are just little computer pictures from little pixilated stores. Nonetheless, if a person wants to have these virtual guns or virtual tools for their virtual farms or virtual pets, they actually pay real money!

Newsweek magazine's Daniel Lyons wrote about this bizarre phenomenon in a column titled, "Money for Nothing." When researching virtual games, he discovered that the total U.S. market for virtual goods was:

500 million in 2008

$1 billion in 2009

[Following updated as of 2/2024]

$19.61 billion as of 2022

$20 billion as of 2023

Kristian Segerstrale, a Finnish economist who has studied this phenomenon, says, “You can learn a lot about human behavior and how people inter-operate in an economic environment. There are a lot of valuable lessons.” One of those lessons, of course, is that people will spend real money for something that isn't really there at all.

In Portland magazine, a priest at a Catholic church in Portland, Oregon, tells a story about a street person named Big Ben who came daily to the church. He writes:

One Christmas Eve we decided to have a special café evening [to minister to the homeless]. An unusually large number of people came. At 9:00 we were down to the last pot of soup, though the hungry line still wove around the block. By 9:30 we were down to the last bowl, and there was Big Ben, face alight with his toothless grin. We filled his bowl to the brim, much to his delight, and that was the last of the last of the soup.

As Ben made his way to the table in the corner, a tiny teenage boy whom none of us had seen before appeared. He looked like he had slept in mud. He was shivering for lack of a coat and his left eye sported a nasty bruise. Seeing that the last of the soup was served, his eyes grew large and it seemed he was going to cry, but he didn't. God knows how long he had waited in line only to find no soup. Some of us were reaching for our wallets when Big Ben appeared with his bowl and handed it to the boy. He then put his hand on the boy's cheek and caressed it as a father would caress his son's, and then mussed the boy's hair, giggled, and wandered off.

It was a tender moment that stood in contrast to the steel, concrete, and cold that too often embrace those without hearth and home. It was a moment that knitted us together a little more tightly, and made me proud of my species. And it made me see, maybe for the first time, why God wanted to be human.

Author Ed Dobson wrote a book titled The Year of Living Like Jesus, in which he tells the story in diary form of how he tried to live as Jesus lived and as Jesus taught for a year. On day thirteen of month one, he records this story:

My wife and I drove to Key West. I decided to take a day off from reading. As we walked past a restaurant on Duvall Street, a man, who'd obviously been drinking, called from the steps: "Hey, could spare some change so I can get something to eat?"

I've heard that line a lot, and I know a number of responses. First, you can simply ignore such people. After all, he will most likely use whatever money you give him to buy more alcohol, and, therefore, you'd be enabling his habit. Second, you can offer to take him to a restaurant to buy him something to eat. In most cases the person will not go because he mainly wants the money to buy alcohol. Third, you can point him to an organization that provides meals for the homeless. Many such organizations exist in most cities.

What did my wife and I do? We walked past the man without doing anything, as we have done with so many other people over the years. After all, it's not our fault that he is where he is.

But after we'd walked on a little farther, he called after us, "Can you help a Vietnam vet?" My youngest son is a veteran, and I deeply respect those who have served their country in that way. So I stopped, walked back to him, and gave him a dollar. At that moment I remembered the words of Jesus: "Give to the one who asks you, and do not turn away from the one who wants to borrow from you." It's as simple as that—give to the one who asks. He asked. I had an obligation to give.

As I walked down the street, a wonderful peace came over me because I felt I'd actually obeyed one of Jesus' teachings. I knew he'd probably use it to buy more alcohol and that I probably hadn't made the wisest choice. And I also knew that a dollar wasn't really going to help him. But I had no other choice. He asked and I was obligated.

Still, what caused me to give him the money was not really my responsibility to follow Jesus, but the fact that he was a veteran. So after my initial euphoria, I realized I had done the Jesus thing for the wrong reasons.

While waiting at a traffic light with her parents in Atlanta, Georgia, Kevin and Joan Salwen's 14-year-old daughter, Hannah, saw a black Mercedes coupe on one side and a homeless man begging for food on the other. Hannah turned to her father and said, "Dad, if that man had a less nice car, that man there could have a meal."

Even as they pulled away, Hannah insisted she wanted to do something about the inequity. "What do you want to do?" her mother asked.

"Sell our house," Hannah replied.

Eventually, that's what the Salwen's did. They sold their luxurious home, donated half the proceeds to charity, and bought a modest replacement home. Though the sacrifice was great, the benefits have been greater still. A smaller house has meant a more family-friendly house. "We essentially traded stuff for togetherness and connectedness," Kevin says. "I can't figure out why everybody wouldn't want that deal."

The entire project is chronicled in an upcoming book by Kevin and his daughter, entitled The Power of Half. The aim of the book isn't to get people to sell their houses, but simply to encourage them to step off the "treadmill of accumulation"—to define themselves by what they give, and not just by what they possess. Hannah says, "For us, the house was just something we could live without. It was too big for us. Everyone has too much of something, whether it's time, talent, or treasure. Everyone does have their own half; you just have to find it."

Like many churches in 2009, Cross Timbers Community Church (Argyle, Texas) has seen an offering slump because of the economic crisis. Though this has forced the church into some painful pruning, Pastor Toby Slough has been more concerned about how the many different people of Cross Timbers are seeing hard times of their own through job loss, pay cuts, and foreclosures. With that in mind, Slough did something a little different when the church took up an offering one Sunday morning in March of 2009. He didn't encourage people to put money in the plate; he encouraged people to take money out of the plate. The church actually took in the largest offering of its nine-year history. People were more than ready to give to those in need—ready to make sure the plate was filled to overflowing as it was passed among those who were suffering.

"In these economic times, we can't be so into church business that we forget what our business is, and that is to help people," Slough told a CNN affiliate in Dallas. In the two months that followed the Sunday morning offering surprise, Cross Timbers has given a half-million dollars to members and non-members who are facing various financial struggles. One Sunday morning they gave $50 bills to 1,300 families and asked them to hand them out to those in need. One of the recipients of Cross Timbers' generosity was Katie Lewis. When interviewed by CNN, a tearful Lewis said, "I've been alone so long. Just to be thought of and to be remembered, to be welcomed—it's amazing."

Paul said, "See that you also excel in this grace of giving" (2 Corinthians 8:7). Like piano playing, giving is a skill. With practice, we get better at it. We can learn to give more, give more often, and give more strategically. We teach the pursuit of excellence in our vocations. Why not make giving something we study, discuss, and sharpen, striving for excellence?

The Macedonian believers gave "as much as they were able, and even beyond their ability" (2 Corinthians 8:3). What does it mean to give beyond our ability? It means pushing our giving past the point where the figures add up. It means giving when the bottom line says we can't.

Scott Lewis attended a conference where Bill Bright [evangelist and founder of Campus Crusade for Christ] challenged people to give one million dollars to help fulfill the Great Commission. This amount was laughable to Scott—far beyond anything he could imagine since his machinery business was generating an income of under fifty thousand dollars a year.

Bill asked, "How much did you give last year?" Scott felt pretty good about his answer: "We gave seventeen thousand dollars, about 35 percent of our income."

Without blinking an eye, Bill responded, "Over the next year, why don't you make a goal of giving fifty thousand dollars?"

Scott thought Bill hadn't understood. That was more than he had made all year! But Scott and his wife decided to trust God with Bill's challenge, asking [God] to do the impossible. God provided in amazing ways. With a miraculous December 31 provision, the Lewises were able to give the fifty thousand dollars. Again, God provided.

Scott said they have passed the one-million-dollar mark in their giving. The best part is that they aren't stopping. That's what it means to excel at giving.