Biblically Responsible Investing – Keeping Your ‘Heart Posture’ Right

By Nathan Carroll

How can we live out Christ in every aspect of our lives? It’s a challenge Christians continually grapple with. We don’t just desire to be people of God but also live out a godly life in all that we do. The Word says that in all you do, do it for the glory of God (1 Corinthians 10:31), and part of our mission is to help people steward their finances in ways that build a godly and fruitful life.

When meeting with clients, one of the things we often find them wrestling with is whether or not they should prioritize investing in a biblically responsible manner or prioritize their investment performance. Even steadfast Christian clients will wrestle with the biblical precedence of biblically responsible investing (BRI). There are a few verses that we often quote when establishing that precedence, and as I was reading Scripture there was another verse that spoke to me as precedent for the importance of BRI.

Luke 6:45 says: “The good person out of the good treasure of his heart produces good, and the evil person out of his evil treasure produces evil, for out of the abundance of the heart his mouth speaks.” (ESV)

The verse is from the parable of a tree and its fruit and illustrates the importance that our heart posture has on the fruit we produce. As it relates to our finances, it’s important that our heart posture be in the right place, as well as our treasure. If our heart posture is in the right place, but we put our treasure in a place of evil how are we to expect good fruit to come from it? I think this parable is another way of checking us as Christians and how we choose to invest. Given the option, we should try to profit off the right things and in a way that most aligns with God’s Word.

Practically, if we want evil fruit like pornography and child exploitation eradicated from this Earth, how is investing in companies that profit from those evils solving the problem?

Your heart may be in the right place, wanting to eradicate human evil from the world, but if we  store our treasure in evil, evil will continue to flourish.

Another critical aspect of biblically responsible investing is the impact it has on shaping the culture around us. As Christians, we are called to be the salt and light of the world (Matthew 5:13-16), influencing society with godly values. By intentionally investing in companies that align with our beliefs and avoiding those that perpetuate evil, we are making a statement about the kind of world we wish to build. This isn’t just about personal conviction; it’s about creating a ripple effect in the broader marketplace.

When businesses realize that Christians are collectively choosing to invest in ethical and God-honoring ventures, they are more likely to shift their practices and priorities to align with those values. It’s a tangible way to demonstrate that our faith goes beyond words — it informs our actions, including how we steward God’s resources. Living a fruitful life in our finances would help shape a world where our financial choices actively support godly practices in areas like tech, healthcare, and business. That vision is achievable when we let our investments become a reflection of our mission to glorify God in all we do. Biblically responsible investing is not just a decision; it’s a form of worship and a step toward transforming the world for Christ.

As I read and prayed over Luke 6:45, it affirmed my conviction in BRI: continuing to align my treasure with where I want to see good fruit grow, and I hope it does the same for you.

Nathan Carroll is a Registered Assistant with Christian Wealth Management in Boise, Idaho. For more information, go to investforthegloryof god.com.

Investment advisory services provided by Creative Financial Designs, Inc., a Registered Investment Advisor. Securities are offered through CFD Investments, Inc., Member FINRA & SIPC. 2704 South Goyer Road, Kokomo, IN 46902, (795) 453-9600. Christian Wealth Management, LLC is not affiliated with CFD Investments, Inc. or Creative Financial Designs, Inc., a Registered Investment Advisor.