The Greatest Giver
Thesis True biblical giving is measured not by the size of the gift but by the proportion given and the heart behind it—sacrificial giving that flows from gratitude for what God has done for us in Christ.
The shape of the argument
39 units across exposition, application, illustration, theological claim, and conclusion. The pastor's argument is built from these moving parts.
- personal story · unit #17 — The pastor narrates his own conversion to tithing as a young Christian. The story functions to make the abstract principle of percentage-based giving concrete and relatable. He models how a new believer wrestles with unfamiliar biblical concepts, studies them, and then acts in obedience. The story also serves to defuse any legalism by explicitly clarifying that giving does not earn salvation. By referencing Abraham and Jacob, the pastor shows how he himself was persuaded by biblical precedent.
- personal story · unit #18 — The pastor continues his personal testimony with a story about supporting missionaries and providentially meeting his future wife through that act of giving. The story functions as an illustration of God's faithfulness and blessing in response to sacrificial giving—not as a prosperity gospel promise, but as a testimony to God's surprising kindness. The pastor explicitly clarifies he is not teaching 'give to get a wife,' protecting against misapplication while still celebrating God's providence.
- personal story · unit #30 — The pastor narrates a family practice of showing his children the church offering check before mailing it, making the family's kingdom investment visible and tangible. The illustration serves to model how parents can disciple children in generosity by making giving a family act rather than a private parental decision. The imagined interior monologue of the children (thinking about toys and vacations) acknowledges the real cost and sacrifice involved.
- personal story · unit #31 — The pastor tells a humorous story about choosing a Subaru over a Porsche as a modest example of sacrificial decision-making. The self-deprecating tone ('Was that a big sacrifice? Not really') acknowledges the story's limitations while still modeling the practice of prayer and contentment in financial decisions. The illustration humanizes the pastor and makes the principle of sacrifice relatable without demanding heroic asceticism.
- hypothetical · unit #35 — The pastor offers a concrete eschatological perspective to encourage detachment from possessions. By imagining his beloved Subaru as a pile of junk in 100 years, he makes the temporary nature of all possessions vivid. The contrast between perishing possessions and eternal realities (heaven and people we've touched with our giving) serves as motivation for sacrificial giving.
- Jesus immortalizes and commends sacrificial givers who give from the heart, declaring their acts beautiful and worthy of eternal remembrance. unit #6
- Believers are free to give sacrificially because Jesus has already paid the debt they owed, and their giving now becomes a beautiful act of worship that brings God glory. unit #7
- The issue in giving is not the amount but the heart—where your treasure is reveals where your heart is. unit #8
- God is fundamentally a giving God, and the practice of giving gifts reflects his character. unit #11
- Because God gave his Son and Jesus willingly gave his life, believers who reflect God's nature will be givers. unit #12
- Proportion matters more than portion—true giving is not a contribution but a consecration of one's whole life to God. unit #15
- The widow's sacrificial giving foreshadowed Jesus' own total self-giving—she gave all she had, and so would he. unit #16
- Believers do not own themselves—they belong entirely to God, purchased by the precious blood of Jesus. unit #20
- All possessions belong to God because he created and sustains everything—believers possess nothing that is ultimately theirs. unit #21
- God supplies believers' needs through one another, creating a community where sacrificial giving meets real needs—this is New Testament Christianity. unit #22
- Believers are eternally accountable for how they steward God's resources, and faithful stewardship receives God's commendation both now and in eternity. unit #23
- Faithful stewardship means giving God the fruit he deserves from what he has entrusted to us—we must not be like Israel, unfaithful tenants who refused to honor God with what was his. unit #24
- Jesus models how to give by willingly and joyfully giving everything—his life, blood, and dignity—to purchase a salvation believers could never earn, making them eternally rich through his poverty. unit #26
- Jesus demonstrated ultimate humility by laying aside all heavenly riches, being born in a stable, and becoming obedient to death on a cross—this is the pattern believers are to follow in giving. unit #27
- Because believers are eternally secure and rich in Christ, they are free to give sacrificially by investing with God for eternal returns rather than clinging to perishable possessions. unit #28
- Sacrificial giving is giving when we do without something we would otherwise have so that God's work will be advanced—the issue is not percentage but cost. unit #29
- Biblical giving results in God's blessing—not financial returns, but something better: God's pleasure with us. unit #36
"man does not see what the Lord sees, for man sees what is visible, but the Lord sees the heart" — 1 Samuel 16:7 (unit #10)
"the kingdom of God's system is not our system" — Scripture (unit #14)
"the rich made a big production out of their giving. But Jesus rejected them and their gifts. It is not the portion, but the proportion that is important. The rich gave out of their abundance, but the poor widow gave all she had. For the rich, their gifts were a small contribution, but for the widow, her gift was a true consecration of her whole life." — Warren Wiersbe (unit #15)
"This poor widow's sacrificial giving was a foreshadowing of Jesus' own. She gave all she had, and so would he." — William Kelly (unit #16)
"you can't take it with you, but you can send it on ahead" — Randy Alcorn (unit #28)
Full transcript
0 · The pastor opens by creating a hook around the question of who the greatest financial giver is, using Bill Gates and King David as examples of impressive but ultimately inadequate models
that I get up here, I've been working hard, you know, for weeks and weeks and studying, and I get up here and I open my Bible and then I don't have any notes. Now you can see how that would be a nightmare for a speaker not to have any notes, right? So fortunately, thankfully, I do have my notes today, so you're good. Today we're going to talk and read about one of the greatest financial givers who has ever lived. In 2020, the Bill and Melinda Gates Foundation gave grants worth $5.8 billion. That's a lot of money. This foundation has an endowment worth $46.8 billion. Bill Gates has a net worth of $120 $28.8 billion. Now, none of us can even relate to a billionaire, right? I mean, you can't even imagine how much money that is, but that's how much he has, so his giving sounds pretty impressive, right? Wow, he gave, you know, $5.8 billion. Man, that guy's, you know, doing a great job. Well, is he? Not really. I commend him. I'm glad they started a foundation. I'm all for foundations. I've been on the board of foundations, and I think it's great that people do that. But his giving was only 4.5% of his net worth. So is he the greatest financial giver? Probably not. How about somebody in the Bible? King David. So we all know King David. Wonderful king, model of, of what every king would want to be in Israel. And he had a heart and a desire to build the temple, but the Lord said, no, you have spilled too much blood, you're not going to build a temple, your son's going to build a temple. But David wanted to prepare. And so when it came time to take offerings, King David led the way. And so here's what he did, and if you want to read about it It's in 1 Chronicles 29:3. He comes and he gives 3,000 talents of gold. So you thought, well, what is that? What does that even mean? So here, here, I'll help you out. So a talent is about 75 pounds. So 3,000 talents times 75 pounds times 16 ounces is 3,600,000 ounces times $1,813 per ounce. The answer is $6.53 trillion. That's a lot of dough. That's a lot of gold, folks. So is David the greatest giver? Here's another interesting statistic. In 2019, Americans spent $240 billion on gambling compared to— how much do churches give? $50 billion. You already know the answer. Shut it. This is nice when you have the microphone. You can just get up here and you can say whatever you want. Within reason, of course. Then they'll turn you off. So between 1990 and 2015, faith donations dropped 50%. 50%. So not good.
1 · The pastor reads the primary text aloud after a brief moment of pastoral levity, establishing the biblical foundation for the sermon
So let's stand and let's read God's word to help us out. All right, anybody need a little exercise? Want to do a little Father Abraham before we start? You know, y'all remember Father Abraham? He had many sons. And yeah, I'm not going to do it. All right, number one, because I can't sing worth a bean. But anyway, Mark 12:41-44. And he, Jesus, sat down opposite the treasury and watched the people putting money into the offering box. Many rich, rich people put in large sums, and a poor widow came and put in two small copper coins, which make a penny. And he called his disciples and said to them, truly I say to you, this poor widow has put in more than all those who are contributing to the offering box, for they all contributed out of their abundance. But she, out of her poverty, has put in everything she had, all she had to live on. Lord, please bless your word to help us this morning, in Jesus' name. You may sit down.
2 · The pastor locates the widow's offering within the broader narrative of Jesus' final week in Jerusalem—after the triumphal entry, temple cleansing, and debates about taxes
And could one of the ushers help me out and get me a bottle of water? I had some water in my jug, but I drank it all. So this passage that we read, the story of this widow is a person who gave more than Bill Gates or King David or anybody you can think of. So let's look at this context of this story. This is the week where Jesus has come in, he's had the triumphal entry into Jerusalem, he's cleansed the temple because there was money changers in there, wasn't being used the way it was supposed supposed to be used. And now he's also— he's talked about taxes. Well, I love talking about taxes, right? Everybody's got to pay taxes, even businessmen that lie and cheat and steal. That's a line from a movie. If you want to know, you can ask me after the service. And now he's sitting down opposite the Treasury and he's watching. He's drawing his disciples' attention to something, and so he's drawing our attention as well.
3 · The pastor pauses to address a potential objection before it arises: is this a corrective sermon about the church's giving? He defuses this concern by establishing that this passage is being preached because it appears in Mark—not because of a congregational problem
But let me say this to you as a church. If you're part of our church, I do not want you to think like, this is all Joe's up here, you know, to kind of, you know, start the new year and kind of correct this. Listen, when's the last time you heard a message about giving in this church? I don't think we've ever preached one in the last 10 years, actually. So why are we going through this passage? Thanks, bro. It's because this passage is in Mark. I originally was going to preach it in October when we were going through this part of Mark, but I got COVID, so I couldn't preach it. So guess what? You get to hear it today. Aren't you happy you came to church this morning? Yes. All right, good. That's what I want to hear. So you guys are great. You guys are outstanding givers, so be encouraged that you are. But we want to learn from God's word, so here's 3 points today to help us from this passage.
4 · The pastor announces the three-point structure of the sermon, signaling the major divisions to come
Number 1, what to give. Number 2, why to give. And number 3, how to give.
5 · The pastor expounds on the scene in Mark 12:41-42, drawing out the implications of Jesus' posture of watching
So number 1, what to give. Mark 12:41. And he sat down opposite the treasury and watched the people putting in, putting money into the offering box. Many rich people put in large sums, and a poor widow came and put in two small copper coins, which make a penny. So I don't know how this makes you feel, to think Jesus is sitting and watching you give. You may think, "Oh, I don't like that thought. I don't like the thought that Jesus is sitting maybe up here and he's kind of watching what I'm giving." But this is what he's portraying. He's letting us know. He's letting his apostles know, his disciples know. He's, "I'm watching. I'm watching what you're giving. I'm seeing how you're doing." And the apostles, I'm sure, were saying, "Look, Jesus, look at what these rich people are doing. They're coming in and they have these big sacks of money." It was all clinking because it was all coins, and they're throwing it in the offering box and it's making all this noise. And they're thinking, "Wow, isn't that impressive?" And what does Jesus say? "Not impressed. Not impressed. Not impressed with all those rich people giving money." I'm not impressed with Bill Gates putting 4.63 billion bucks out. Not impressed.
Recent preaching context
The three sermons immediately preceding this one in the preaching schedule.
Discuss · apply · pray
6 questions for your group this week
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In Mark 12:41-44, Jesus draws the disciples' attention away from the wealthy donors and toward the widow. What does the text reveal about how Jesus evaluated these two very different gifts, and what does that tell us about what God actually values in giving?Mark 12:41-44→ Why do you think Jesus specifically called out the widow's gift as greater, rather than simply praising her character in private?
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The sermon emphasizes that 'proportion matters more than portion'—the widow gave two small coins, everything she had, while the rich gave large amounts from their abundance. How does this distinction challenge the way our culture typically measures generosity and success?Mark 12:42-44
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Jesus says of the widow, 'This poor widow has put more into the treasury than all the others' (Mark 12:43). In light of Matthew 6:21—'where your treasure is, there your heart will be also'—what does her willingness to give everything reveal about what she treasured most, and how does that connect to her faith in God?Matthew 6:21
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The sermon teaches that believers 'do not own themselves—they belong entirely to God, purchased by the precious blood of Jesus' (1 Corinthians 6:19). How does grasping this truth about our ownership change the way we think about what we give or withhold?1 Corinthians 6:19→ What specific area of your life—finances, time, talents—do you find hardest to surrender as belonging to God rather than to yourself?
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The sermon presents Jesus' own giving as the pattern for believers: he 'willingly and joyfully gave everything—his life, blood, and dignity—to purchase a salvation believers could never earn' (Philippians 2:8-11). What does his example teach us about the connection between understanding what Christ has given us and our freedom to give sacrificially?Philippians 2:8-11
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Based on Acts 2:42-47, where New Testament believers gave 'to anyone as they had need,' how should the widow's example shape the way our church community thinks about meeting one another's material needs, and where might we be falling short of this vision?Acts 2:42-47→ What would it look like for us to take seriously the idea that 'God supplies believers' needs through one another'?
5-day reading plan
This week we trace how God's character as the greatest giver compels us toward sacrificial generosity—moving from the foundation of Christ's self-giving, through the reshaping of our hearts and possessions, to the freedom and joy that overflow when we give as God gives.
The greatest gift ever given was not a possession but a person—God the Father giving his own Son for our redemption. As we behold this immeasurable love, we recognize that generosity is not peripheral to God's nature but central to it. When we give sacrificially, we are not imitating a distant ideal but reflecting the very character of our all-glorious God.
Christ's self-emptying—his descent from heavenly riches through humiliation to death on a cross—reveals the pattern of true giving. He gave not from abundance but at infinite cost, making us eternally rich through his poverty. Our Lord's example shows us that sacrificial giving is never beneath us; it is the highest calling of those purchased by his precious blood.
Jesus teaches that our spending habits disclose the true location of our affections and loyalties. The widow's gift of two mites revealed a heart wholly devoted to God, while wealthy donors' large gifts often concealed hearts divided between earthly security and divine trust. As we examine where we invest our resources, we discover what we truly treasure—and in the gospel, we are invited to transfer that treasure entirely to Christ.
The early church understood that possessions were not private holdings but shared resources for mutual flourishing. Those who had gave to those in need, not by legal requirement but by the compulsion of grace and the presence of the Spirit. We too are called into this same vibrant interdependence, where our willingness to give sacrificially becomes the means through which God meets the real needs of our brothers and sisters in the body of Christ.
God's promise to supply all our needs according to his riches in Christ frees us from the anxiety that clutches closed hands. When we truly believe that our provision flows from God's faithfulness—not from our hoarded wealth—we are liberated to give generously and sacrificially. The widow demonstrated this freedom: she held nothing back because she trusted that the God of Israel would sustain her, and in that trust she found herself eternally remembered by Jesus himself.
What Does Your Treasure Say About Your Heart?
This prompt draws directly from Jesus' observation in Mark 12:41-44 that 'where your treasure is, there your heart will be also.' Use this to help your family think concretely about what they value and how their giving (or spending) reflects what they actually love. Listen for honesty about competing loyalties—the goal is not guilt but gospel-awakened gratitude.
Jesus watched the widow give her last two coins and said her gift was worth more than all the rich people's large gifts. Then he said, 'Where your treasure is, there your heart will be also.' If Jesus watched how you spend your money or share your things this week, what would he see about what your heart loves most? What does that tell you?
A Prayer for Sacrificial Hearts
Father, we come before you in awe of your generosity—you who are the Greatest Giver, who gave your own Son to purchase our salvation and made us eternally rich through his poverty (John 3:16, Philippians 2:8-11). We confess that our hearts often cling to what you have entrusted to us, measuring our giving by what we can comfortably spare rather than by the proportion of our lives surrendered to you. We have forgotten that we belong entirely to you, purchased by the precious blood of Jesus, and that all we possess is yours to begin with (1 Corinthians 6:19).
Yet the gospel humbles and liberates us: because Jesus has already paid the debt we owed and given everything on the cross, we are free—free from fear, free from the tyranny of wealth, free to give sacrificially as an act of worship and gratitude (2 Corinthians 9:7). The widow's two coins, and Jesus' own total self-giving, show us that true giving is not measured by amount but by heart, not by portion but by proportion—it is the cost that matters, the willingness to do without so that your kingdom advances (Mark 12:42-44).
Grant us grace, O Lord, to view all our resources as yours and to give with the joyful abandon of those who have been ransomed by grace. Give us hearts responsive to the needs of one another, that through our sacrificial giving your church might reflect your generous character and your glory be magnified (Acts 2:42-47). Transform us from comfortable givers into consecrated stewards, and help us remember that faithfulness in giving now receives your commendation both in this age and in the age to come. To you alone be glory and praise.
Treasure & Heart in Marriage
- What did the widow's total surrender stir in your own heart—where is Christ calling you to give sacrificially rather than comfortably?
- Where do our patterns of spending and giving as a couple reveal what we actually treasure, and what would it look like for us to give together in a way that costs us something?
- How can we pray for one another this week to grow in the conviction that everything we have belongs to God, and that our generosity together becomes an act of worship?
Mark 12:43-44
And he called his disciples to him and said to them, 'Truly, I say to you, this poor widow has put in more than all those who are contributing to the offering box. For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all her living.'
Why this verse: This verse is the sermon's theological center—Jesus' own declaration that giving is measured by proportion and sacrifice, not amount, making it the authoritative foundation for understanding what true biblical giving looks like. It captures both the widow's exemplary heart and the radical principle that believers are called to consecrate their whole lives to God, not merely contribute from their surplus.
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# Cross of Grace Church A church preaching expository sermons through the books of the Bible. ## Sermons - [The Greatest Giver (Mark 12:41-44, 2022-01-02)](/CoGElPaso/sermons/2022/01/the-greatest-giver) ## About - [About the church](/about) - [Plan a visit](/visit)
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