I work for a department in the foreclosure side of a bank as a mortgage underwriter. Every day I attempt to modify the mortgages of people who are behind on their payments, and adjust the terms of their loan so as to make their home more affordable, so they can resume making their payments, and keep their home. In the process of doing my job, I have occasionally analyzed the tax records and bank statements of people who tithe and make donations to various ministries.Over the years I have been in the church and involved in ministry, I have known some fantastic Christian people on a very personal level who believed in tithing.I've seen people "trust God with their finances," but they couldn't keep a bank account open. Either because they were worried about creditors suing them and seizing their assets, or because they couldn't keep a balance high enough to justify a checking account.I have known people who tithe to have their phones ring off the hook at all hours of the day due to creditors calling for unpaid bills.I have known people that tithe that have spent years suffering chronic unemployment, who would even tithe from their unemployment checks.I have known people who tithe that needed people to co-sign for them on a car loan (which means a bank wouldn't lend them money because their credit was trash or they simply didn't make very much money).I have known people who tithe to drive the most unreliable cars in the world, that constantly breakdown, leave them stranded, and further suck their already limited resources dry.I have known people who tithe that regularly rely on government aid or the charity of others in order to just survive and have the basics in life.Some of the people I have known in the above scenarios have been "lay people." But some have also been ordained ministers within the church. And for many ministers in various denominational affiliations, this is a major predicament, because the credentials they hold with their denomination require them to tithe. If they fail to tithe, they could lose their credentials, their church, and their job. So in spite of their extreme financial hardships that some suffer from, they continue to tithe so as to avoid unemployment, or losing a ministry that is precious to them.Yet, in spite of all these bone crushing hardships people have suffered while tithing, and in spite of going through foreclosure, being behind on bills, being unemployed, and living in deep poverty,If they are so blessed, and if heaven is so open, why aren't they paying all their bills?For every story I've heard where somebody stands up, testifies to God's faithfulness in tithing, and then tells stories of groceries left at the door, or receiving anonymous checks in the mail, I know of a hundred other people who went without groceries, and whose mail boxes were full of nothing but "past due" and "shut off" notices. Ashamed, many choose to say little to nothing at all about this in church. Even if they did want to share, many pastors would probably not let them do so.I don't mean for this post to come across as harsh, unloving, or cynical. I'm just attempting to be very real about the things I know and to generate a real discussion about the modern practice of tithing. I am very deeply conflicted about the things I have seen in church over the years, and testimonies connected with people who tithe. I don't think many in the church are being very honest. We are very selective in the stories we tell, and we are guilty of telling half-truths. We ignore any story that could hurt the size of our offering. We don't want the real truth.Many ministers know of these things, but continue to selectively celebrate "success stories" while deliberately ignoring the stories of people who tested God with their tithe, yet have seemingly seen God fail them. Their selective success stories are like fisherman who tell stories of big catches, but never tell you about the days they caught nothing. Their selective success stories are like professional stock traders who tell stories of 100 percent gains, but don't tell you of the time they saw a stock they own go all the way down to zero.Some who know of these things will even go so far as to say these failure stories are not evidence of a busted doctrine, but are evidence that the person who was tithing wasn't doing it with the right heart. Or, they will make some other charge of guilt against their brother and sister who was so bold as to give 10 percent of their income, even in the face of financial adversity. Something must be wrong with them and why they tithed but didn't see the results. Then they will go on to rehash a success story they know of, that reinforces the idea that tithing always works, and using it to discount the not so happy story. This my friends is known as propaganda.As a result, most never bother to genuinely question the doctrine of tithing altogether, and whether or not Christians today are required to tithe, in spite of the knowledge that there are people whose tithing stories aren't so successful. No genuine inquiry and no real "testing" is allowed. No failure stories are kept, recorded, or remembered, except in the memories of people whose financial lives have been turned up-side down because somebody twisted their arm and encouraged them to tithe, and misapplied some promises from the Old Testament.It is my contention that because God does not require Christians to tithe under the New Covenant, the promised blessing of Malachi 3:10-11 has no bearing anymore, and that is why we cannot "test God" in tithing. I believe we are called to a different sort of stewardship and a different form of giving altogether.Keep the conversation going. Share this article on Facebook and Twitter. 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