What Does Dave Ramsey Say About Tithing?

Dave Ramsey has become a household name in the world of personal finance. His sound advice and no-nonsense approach to money management have helped many individuals and families achieve financial freedom. But what does Dave Ramsey have to say about tithing? Does he believe it’s an important part of a healthy financial plan? In this article, we’ll delve into the world of tithing according to Dave Ramsey and see what he recommends.

Tithing is a concept found in many religions, where followers commit to giving a percentage of their income back to their church or spiritual group. It’s seen as both a way of showing gratitude for one’s blessings, as well as helping support the spiritual center that provides guidance and support at times of need. But can tithing be beneficial financially as well?

Dave Ramsey is known for his straightforward approach to money management that emphasizes budgeting, saving, debt elimination and more. So what does he think about tithing? Does he believe it should be part of an individual’s overall financial plan? We’ll take a look at his thoughts on the subject in this article.

Definition Of Tithing

Tithing is the practice of giving a portion of one’s income to a religious organization or charity. It is typically practiced by followers of faiths such as Christianity and Judaism, where it is seen as an act of devotion to God. Tithing usually involves donating a set percentage of one’s earnings to a church or other religious institution. It can also involve donating money, goods, or services directly to those in need.

The concept of tithing dates back to ancient times and has been practiced for centuries across many different cultures and religions. In modern times, many people still choose to tithe as part of their faith, though there are some who argue that it should not be mandatory for believers.

Dave Ramsey, an American financial author and radio host, has spoken extensively on the subject of tithing. He argues that while it is important to give back to one’s community and help those in need, he believes tithing should be done out of choice rather than obligation. Ramsey encourages individuals to decide how much they are willing and able to give each month based on their own financial circumstances.

Biblical Basis For Tithing

Dave Ramsey believes that tithing is an important part of a Christian’s faith. In his book, Total Money Makeover, he explains why it is important to give back to God. He argues that the Bible teaches us to tithe and that we should strive to honor God by offering a portion of our resources back to Him and His work.

The Bible tells us in 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.” This passage makes clear that God wants us to trust Him with our finances and promises a spiritual return when we obey His commandment to tithe.

When we give faithfully, God promises both spiritual and financial blessings as a reward for our obedience. When we faithfully tithe, we are trusting God with our finances and demonstrating our love for Him through service. Tithing is an act of worship and an expression of faith in God’s ability to provide for us abundantly.

Dave Ramsey’s Perspective On Tithing

Moving on to Dave Ramsey’s perspective on tithing, the popular financial expert has a strong view on the practice. He believes that it is both biblical and beneficial for Christians to tithe. In fact, he recommends that if you can’t tithe 10%, start with something smaller like 5%, and then work your way up.

Ramsey further clarifies by saying that ‘tithing is giving God the first 10% of your income before taxes.’ This means that you should calculate your income before taxes and designate 10% of it as a tithing amount. Once this is done, Ramsey suggests taking another 5-10% of your pre-tax income for charitable donations or gifts to other people in need.

In his opinion, these two categories of giving should be prioritized above all other spending, such as going out for dinner or buying new clothes. By doing this, Ramsey believes individuals will experience God’s blessings financially and see an increase in their wealth over time.

Benefits Of Tithing

Dave Ramsey believes that tithing is a critical part of living a financially healthy life. He believes that the act of giving 10% of your income to your church or other charity can have a profound effect on your financial well-being.

The first benefit to tithing is the spiritual impact it has on you. By giving away money, you are showing a willingness to be generous and open-hearted. This can help you develop spiritually and grow closer to God, which can bring about a greater sense of peace and contentment in your life. Additionally, when you give away money, it is an act of faith in God’s provision for you, trusting that God will provide for all your needs.

The second benefit to tithing is the financial benefits it brings about. When you give away 10% of your income, this creates a budgeting system for yourself, as you are now able to save and invest more effectively with what remains. Additionally, by investing in charitable organizations and causes through tithing, this can create tax deductions which can reduce your taxable income and increase the amount of money you get back at tax time.

Tithing has both spiritual and financial benefits and can be an important part of leading a financially healthy life according to Dave Ramsey. It allows us to be generous with our resources while also creating a budgeting system that helps us save more effectively. Moreover, it allows us to support charitable organizations and causes while also enjoying potential tax deductions at the same time.

How To Tithe

Dave Ramsey is a strong advocate for tithing, which is the practice of giving a percentage of one’s income to the church or other charitable organizations. He believes that tithing can provide financial blessings in two forms. First, it helps us become more generous and gives us an opportunity to make a positive impact on our community. Secondly, it can act as a form of insurance against unexpected financial hardships.

Ramsey recommends setting up an automatic monthly contribution from your bank account to your church or other charity of choice. He also suggests that you tithe before any other expenses are taken care of and that you track what you give back so that you can celebrate the difference your giving makes. The amount that is tithed should be based on what one can afford and there should be no guilt associated with not being able to give the full 10%.

Tithing is often seen as a way to honor God, but it’s also important to remember how beneficial it can be for us financially in the long run. Being intentional with our money and taking steps towards financial freedom, such as tithing, will ensure we’re taking care of ourselves and others at the same time.

Criticisms Of Tithing

Having discussed how to tithe, let us now turn our attention to criticisms of tithing. Dave Ramsey, a popular financial expert and author, is well-known for his stance against tithing. He believes that it is not necessary for Christians to tithe, as there are much more important uses for one’s money. He cites the Bible to argue that God does not want people to give out of obligation, but rather out of love.

Furthermore, Ramsey insists that tithing should be done in moderation and only when one can afford it. He argues that if one tithes while deeply in debt, they will likely accrue even more debt due to interest payments on the unpaid loan balance. In addition, he says that if someone is struggling financially, they should first focus on getting themselves out of debt before giving away their hard-earned money.

Ramsey also questions the common notion that 10% is the only amount Christians should give as an offering. He suggests instead that each person should evaluate their own situation and determine what percentage of their income would be appropriate for them to give. Ultimately, Ramsey encourages people to think about other ways they can serve God with their resources instead of tithing alone.

Alternatives To Tithing

Dave Ramsey believes that tithing is an important part of a Christian’s faith. However, he does understand that not everyone has the same financial circumstances. For those who cannot tithe, he suggests other ways to give back to the church and community.

One way is to donate time instead of money. Volunteering at a local charity or church can be just as valuable as giving money, and it can bring joy and fulfillment to both the volunteer and the recipients. Additionally, volunteering can help build relationships with members of the community, which will benefit everyone in the long run.

Another option is to make a one-time donation whenever possible. This could include donating items such as clothes or furniture that are no longer needed, or even giving blood. Even though these donations may not be ongoing like tithing, they still make a huge difference in people’s lives and show appreciation for what we have been given.

There are many other ways for Christians to give back if tithing isn’t an option for them. Whether it’s donating time or money, any small act of generosity can go a long way in making someone else’s life better while also honoring God with our actions.

Financial Advice From Dave Ramsey On Tithing

Dave Ramsey, the popular financial author and speaker, has a lot to say on the topic of tithing. He believes that tithing is an important way to show gratitude to God and to give back to the community. According to Ramsey, tithing should be done before taxes, not after. He also stresses the importance of budgeting and setting aside a certain amount each month for giving in order to ensure that you’re able to tithe consistently.

Ramsey further emphasizes that it isn’t about how much money you give but how often you give it. He recommends giving with joy and without expectation of anything in return. This can help you focus on developing a sense of gratitude for all your blessings, rather than worrying about what you can get out of it.

Finally, Ramsey suggests that if you are unable to tithe financially, then find other ways to contribute – like volunteering your time or donating items such as clothes or food that may be useful for others. No matter what type of contribution you make, he encourages everyone to participate in acts of generosity as a way of being more mindful and connected with those around them.

Impact Of Tithing On Tax Returns

Dave Ramsey has long advocated for tithing as a way to give back to God and promote financial freedom. He believes that, when done correctly and with the right intention, tithing can have a positive impact on one’s tax returns. According to Ramsey, there are several benefits of tithing including deductions on taxes, which can reduce taxable income and lead to a larger tax refund.

When it comes to tithing and taxes, the key is understanding how it works. When individuals tithe, they are given an official receipt from the church or organization they donated money too. This receipt will include information such as the amount of money given, date of donation, and other important details. This information must be kept in order to properly claim the donations as deductions on taxes.

By utilizing this deduction correctly, taxpayers may be able to reduce their taxable income by up to 20%. This means that individuals may pay less in taxes due for the year and get a bigger return come tax season. As long as all documentation is accounted for properly and kept up-to-date, claiming charitable donations can be beneficial for those who tithe regularly.

Resources For Further Reading

Moving on, Dave Ramsey is an advocate for tithing. He suggests that all people should tithe 10% of their gross income to their church or other charitable organization. In addition, he emphasizes the importance of not decreasing the amount you give if your income increases. He explains that it is important to be consistent in our giving and not let our emotions or circumstances sway us from being generous with our money.

Ramsey also encourages individuals to set up a budgeting system and track where their money is going each month, as this will help them make sure they are consistently tithing. By having a budget in place, people can make sure that 10% of their income goes to their church or other charity every month without fail. He also suggests setting aside money specifically for tithing before any other payments are made so it’s not forgotten later in the month.

Overall, Dave Ramsey provides sound advice when it comes to tithing and stewardship of finances. Those who follow his guidance will be better able to keep track of how much they are giving and ensure that they remain consistent with their giving throughout the year.


In conclusion, tithing is an important part of many people’s faith. Dave Ramsey has a clear perspective on the subject and his advice is in line with biblical teachings. His view is that we should tithe to God first and then take care of our own financial needs. He advocates for giving 10% of your income to your church or other charitable organizations and using the remaining 90% responsibly. Tithing can have a positive impact on tax returns, but it is important to know the rules around deductions before making any decisions. There are also alternatives to traditional tithing that can still make a difference in the lives of others. No matter which method you choose, taking control of your finances and being generous with what you have can be rewarding both spiritually and financially. I encourage everyone to look into this topic further in order to find out what works best for them.

Scroll to Top