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Discover how your giving opens a real heavenly bank account — and why God guarantees a return on every deposit you make into His Kingdom.
In this fifth installment of the Kingdom Economy series, Dr. William P. Hohman opens with a powerful contrast between the corrupted economy of this fallen world and the grace-based economy of the Kingdom of Heaven. Drawing on Colossians 1:13, he reminds believers that at salvation, God translates us from the kingdom of darkness into the kingdom of light — yet most Christians continue to live solely by the sweat of their brow, never engaging the heavenly system God designed for them. Dr. Hohman introduces the central metaphor of a heavenly bank account, grounding it in Philippians 4:14-19, where Paul tells the Philippians they opened a debit and credit account by giving into his ministry. The message unfolds how every act of giving toward the work of God constitutes a deposit into that divine account, one that accumulates interest and yields a guaranteed return. Referencing Matthew 6:19-21, Deuteronomy 28:8, Hebrews 12:25-29, and Luke 6:38, Dr. Hohman challenges believers to stop hoarding, resist the spirit of Mammon, and begin functioning in both the earthly and heavenly economies simultaneously — trusting God to supply every need according to His riches in glory.
Colossians 1:13, Genesis 3, Luke 6:38, Hebrews 12:25-29, Joshua 1:2-9, Philippians 4:14-19, Philippians 4:17, Deuteronomy 28:8, Matthew 6:19-21
Dr. Hohman establishes early in the message that believers are not asked to abandon the earthly economy but to master both. Jesus Himself said to render to Caesar what is Caesar’s and to God what is God’s. The problem is that most Christians only engage the world’s system and never learn how the Kingdom of Heaven’s economy functions. This leaves them grinding under the curse of Genesis 3 — toiling, sweating, and straining — when God has already provided a parallel system of grace through which He can legally and lavishly supply every need.
The teaching pivots on Philippians 4:15, where Paul tells the Philippians they were the only church that opened a debit and credit account with him. Multiple Bible translations are cited — Williams, Moffatt, New American Standard, New Jerusalem — each confirming that giving into the work of God creates a real divine account from which the giver receives compounding returns. Dr. Hohman compares this to a joint bank account: what one partner deposits, the other can withdraw. The believer’s giving opens that joint account with God, and God Himself becomes the guarantor of the return.
Dr. Hohman places the entire teaching in an eschatological frame using Hebrews 12:25-29. God has promised to shake not only the earth but the heavens as well, so that only what cannot be shaken remains. In practical terms, this means that investments tied exclusively to earthly economies — currencies, markets, governments — are vulnerable. Heavenly deposits, by contrast, are unshakeable. This is not presented as cause for fear but as motivation to prioritize the Kingdom economy now, before the shaking intensifies.
Drawing on Jesus’ warning that no one can serve both God and Mammon, Dr. Hohman identifies the spirit of hoarding as the primary obstacle to Kingdom prosperity. He illustrates this with a vivid personal story about a relative who buried over eighty-five thousand dollars in mason jars in his basement while his wife lived without running water or electricity. This image captures the absurdity of hoarding: the resource existed, the need existed, yet fear and mistrust kept both separated. The same dynamic plays out in the lives of believers who refuse to give because they fear losing what they have.
Deuteronomy 28:8 is presented as a declaration of God’s intent: He commands blessing on your storehouses — deliberately plural. Dr. Hohman argues that poverty is never God’s design for His people, that Jesus Himself had enough wealth to employ a treasurer and wear a garment valuable enough for soldiers to gamble over. The righteous are meant to have an abundance not for personal indulgence but so they become channels of resource into the Kingdom, funding churches, missions, clinics, schools, and radio stations as NTC Ministries has done with a handful of committed believers.
The closing exhortation centers on Matthew 6:20, where the word translated lay up comes from the Greek word thesaurus, meaning to heap up or amass. Just as a thesaurus accumulates all known words, believers are called to heap up deposits in heaven consistently and intentionally. Dr. Hohman urges the congregation to start trusting for a hundredfold return, to give into missions and local ministry, and to shift the focus of their hearts toward the eternal. Where your treasure is, there your heart will be — and a heart anchored in the unshakeable Kingdom is the most secure position any believer can hold.
A heavenly bank account refers to the spiritual reality described in Philippians 4:15-17, where Paul tells the Philippian church they opened a debit and credit account by giving into his ministry. Every gift made toward the work of God constitutes a deposit into this divine account, and God Himself guarantees a return with interest. Jesus confirms this concept in Matthew 6:20, commanding believers to lay up — literally heap up — treasures in heaven.
Philippians 4:19 is the divine guarantee that follows the teaching on heavenly giving. Paul writes that God will liberally supply, filled to the full, every need according to His riches in glory in Christ Jesus. The verse is set in the context of the Philippians’ generous giving, making clear that God’s supply is connected to the believer’s faithful investment in His work. It is not a general prosperity promise but a covenant response to the act of sowing into the Kingdom.
Yes, and in fact Jesus spoke about money more than almost any other single subject in the Gospels. He addressed treasures in heaven in Matthew 6, warned against the god of Mammon, and taught the parable of the talents, among many others. Paul devotes significant portions of his letters, including Philippians 4 and 2 Corinthians 9, to the theology of giving and receiving. Avoiding the topic leaves believers without the biblical tools they need to function in God’s economy.
Mammon is the name Jesus gives to the spiritual force behind the love of money in Matthew 6:24. It is a competing god that demands ultimate allegiance and operates through hoarding, fear, and the belief that wealth kept is wealth secured. Dr. Hohman teaches that Mammon causes believers to remain locked in the world’s corrupted economy rather than participating in the Kingdom’s grace system. The antidote is not poverty but generosity — using money as a servant of Kingdom purposes rather than an object of worship.
Deuteronomy 28:8 states that the Lord will command the blessing upon your storehouses and on all to which you set your hand, and will bless you in the land He is giving you. Notably, the word storehouses is plural, indicating that God’s intention is abundance beyond a single account. This blessing is part of the broader covenant promises of Deuteronomy 28:1-14, which describe comprehensive prosperity for those who walk in obedience to God’s ways.
The Kingdom of Heaven operates on a grace system — unearned favor flowing from God to His people — and giving is the mechanism through which believers enter and activate that system. Luke 6:38 makes this explicit: give, and it will be given to you, good measure, pressed down, shaken together, running over. When a believer gives to God’s work, they are not losing resources but depositing them into a divine account that returns more than was put in, because God is the guarantor.
Hebrews 12:26-27 quotes God’s promise to shake not only the earth but also the heavens, so that only what cannot be shaken remains. This refers to the ultimate removal of all temporal, corruptible systems — economic, political, and religious — leaving only the eternal Kingdom of God standing. For believers, this is a call to prioritize investment in the unshakeable Kingdom through giving, faith, and Kingdom living rather than placing ultimate trust in earthly financial systems that are subject to collapse.
According to Dr. Hohman’s teaching from Philippians 4 and Matthew 6:20, deposits into your heavenly bank account are made through any act of giving directed toward the work of God — tithes, offerings, missions support, and contributions to Kingdom-building initiatives. The key is that the gift be given with a heart oriented toward God’s purposes rather than personal gain. God then becomes responsible for the return, supplying every need according to His riches in glory, with interest accumulating in your divine account.