What Does Dave Ramsey Say About Tithing?

Dave Ramsey, a well-known financial expert, guides individuals in improving their financial well-being. His approach to personal finance often emphasizes common-sense principles, such as debt elimination and disciplined budgeting. Within his framework, tithing is a frequently discussed concept, understood as giving a portion of one’s income—typically 10%—to a religious organization.

Dave Ramsey’s View on Tithing

Dave Ramsey views tithing as a biblical principle and spiritual discipline within Christian faith. He emphasizes that tithing is more than just a financial transaction; it is an act of obedience and a demonstration of trust. Ramsey advocates for giving a minimum of 10% of one’s income, referring to it as a “firstfruits” offering, implying it should be set aside before any other expenses. This perspective highlights the spiritual “why” behind the act, focusing on generosity and faith. He also distinguishes between a tithe, which is the 10% given to the local church, and offerings, which are any additional contributions beyond that specific percentage.

Integrating Tithing into Financial Management

Tithing holds a prioritized place within Dave Ramsey’s “Baby Steps” framework. He asserts that tithing should remain a priority, even when individuals are actively working to eliminate debt or navigate challenging financial periods. Ramsey often equates tithing to other fundamental necessities, such as rent or mortgage payments, indicating it should be addressed before other financial obligations. This approach suggests that if one cannot manage living on 90% of their income, they likely cannot effectively manage 100% either.

Maintaining tithing throughout the debt repayment process, commonly associated with Baby Step 2, is encouraged as it fosters discipline and faith. While Ramsey advocates for financial stability to enable consistent tithing, he maintains that the act itself is a foundational element that contributes to overall financial peace. Ultimately, giving generously is presented as the final Baby Step, signifying a commitment to radical generosity once wealth has been accumulated.

Guidance for Tithing

Dave Ramsey offers practical advice on tithing calculation and application. When determining the tithe amount, he maintains flexibility regarding whether it should be calculated from gross income (before taxes) or net income (take-home pay), stating that this decision is ultimately up to the individual. He personally bases his tithe on his taxable income. Consistency is important, and the tithe should be the first item in a budget.

Ramsey states the 10% tithe should be directed to one’s local church. Contributions made to other charitable organizations or ministries are considered offerings rather than the specific tithe. For those in severe debt, his advice remains consistent: tithing should not be paused, and individuals should identify other areas in their budget to cut expenses if needed. Taking a tax deduction for these charitable contributions is an acceptable practice.