Welcome to disciple making:
This series on disciple making is Booklet 1 – Essentials, which is part of the program
Transferable Cross Training (TCT) developed by Dr. Karl Payne. The purpose of TCT is to help equip men and
women to be effective disciple makers. The materials are field tested with various proof verses that can be
memorized, and each lesson is focused on transferability. It is our desire is for those who accept the challenge
of discipleship that, with or without a Bible and notes in hand, each individual who has taken the time to master
the concepts and principles in this series will have confidence to comfortably and biblically respond to common
questions and comments from friends or enemies of Christ. By God’s grace we can make a difference in eternity
by being actively involved in the most important job assignment entrusted to mankind. For more information
about TCT or obtaining the booklet series, see
Please remember that the uniqueness of this discipleship series is its simple transferability.
It is the expressed desire of the author that students actually use these materials after completing each
booklet, by sharing them with others in a manner consistent with
2 Timothy 2:2.
Money. Sometimes we even cringe at the sound of the word being spoken in our churches...
"Oh no, they are going to pressure me for money. Why did I bring my friend to church this
weekend? He is going to think my church is just like the ones the media makes fun of who soak their members and
use guilt to manipulate them in the process."
"If you give God 10%, He will multiply your financial investment 100%, because you just
can't out-give God and He has promised to bless your finances if you truly love Him."
"If you don't give, God won't bless you. If you are having financial shortfalls, it is
because you have robbed God in the past, and He is getting even."
But should we cringe? The Bible has more to say about money and our responsibility to be good stewards with
our financial resources than it does about either heaven or hell.
With so many individuals, institutions, charities, alumni groups and ministry organizations asking for financial
support are there biblical principles that can help a sincere Christian approach this topic biblically, thoughtfully
and confidently? God loves a cheerful giver, but all too often financial giving can appear to be motivated through
emotional manipulation, obligation or guilt.
The following six principles on biblical stewardship should help a person think through this very important
subject. The basic outline for this lesson has been adapted from a sermon by Dr. David Jeremiah.
Biblical giving involves:
1. PRIOR CONSECRATION (2 Corinthians 8:5)
By giving your life and daily devotion to Christ before you consider giving your money to another,
you avoid the trap of fruitless attempts to buy God's favor.
2. PROPER MOTIVATION (2 Corinthians 8:3,
2 Corinthians 9:7)
Giving should be the purposed overflow of a cheerful heart from one's own accord, not the
results of begrudged obligation or insecurity.
5. PLANNED GIVING (1 Corinthians 16:1-2)
Paul instructed the Corinthians to plan their personal giving and set it aside on
the first day of the week (Sunday). By planning our giving we avoid the pressures of being emotionally manipulated.
6. PRIORITY DISTRIBUTION (Galatians 6:10)
There are so many out-stretched hands and impassioned pleas for help. Priority ought to be
given first to the household of faith before it goes to individuals and causes outside the faith. The
biblical pattern, from the book of
4:32-37 through Paul's epistles, seems to be that
the local church was the collection site for giving and the leadership was responsible for its distribution.
Although this principle does not eliminate planned giving to organizations and causes outside
the local church, our planned giving should not be at the expense of our local church. Private agendas and
familiarity can represent twin challenges to biblical stewardship. Both can steal the joy of cheerful giving
if we allow them to do so.
Dr. Karl Payne, at heart, is an apologist who loves to train and
equip Christians for spiritual service and warfare (Eph.4:11-16). He enjoys preaching, writing and
retreat / conference / seminar speaking. He derives his greatest pleasure tackling the challenge of teaching
Christian workers, interns and budding preachers / teachers at both the Bible College and Seminary levels.
In addition, he has co-authored two books: A just Defense and Cross Training through