Posts tagged " tithes "

Savings vs. Tithing

January 15th, 2019 Posted by Ask the Rabbi 13 comments

I finished my medical training in 2016, this on top of my training as a pharmacist. I have a plan in place to pay off my student loans in 5 more years. My wife is an engineer but is currently staying at home with our three children. She is planning on going back to school to get a teaching certificate when our children start school so that we can get a nice tuition discount at our parish school.

We live below our means, I contribute the max to our 401k and and we drive inexpensive cars. I have read your book (Thou Shall Prosper-loved it) and I tithe around 10% of our net income to our church and various charities.

It has come to my attention that we need to contribute around 11,000.00 a year more to “retirement” accounts than we are currently doing. I would like to contribute to a backdoor Roth IRA account automatically from my paycheck every pay period , which means my net income would go down, and I would tithe less.

So I am struggling with whether or not it is ok to tithe less but contribute to retirement more, or if I should forgo investing more in retirement until I make more money.

Thank you so much,

DoctorSquared

Dear DoctorSquared,

We were ready to take a nap by the time we had finished reading of all your personal and professional accomplishments! You and your wife sound like thoughtful, caring and disciplined people.

Please allow us to try and rephrase the question you are asking. We think it is one that applies in many different situations. Are we under any obligation  to manage our finances in order to maximize tithing?

We have been asked similar questions from people inquiring whether they should tithe on pre or post-tax income. As always, we encourage people to ask someone in their own faith family, but we can only say that from the perspective of ancient Jewish wisdom, you tithe on the money you actually receive and that is available for your needs and desires. If taxes reduce what you get to take home, then you do not tithe on the amount that went to the government and that you never received.

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Where Should My Tithe Go?

December 11th, 2018 Posted by Ask the Rabbi 23 comments

Is tithing still relevant today?  Is it solely giving to the church that we attend every week or we can give to other needs (needy relatives, needy pastors from poor countries…) If we apportion the 10% to our church + needy relative + needy pastors, are we sinning against God?

My husband gives to our parents instead of giving tithing because he feels that taking care of parents is a type of giving too. A relative has just lost her job and we thought of giving a part of the tithe to help tide her over.

I feel guilty if I don’t give my full 10% to God by giving only to my home church but my church is a mega church and it receives a lot of tithing and offerings.

Thanks for teaching us the real meaning of tithing based on your understanding of Hebrew and ancient Jewish wisdom.

Sincerely,

Julie

Dear Julie,

The idea of being charitable is so common in both religious Jewish and Christian circles that we may not appreciate how amazing that is.  Many Americans chuckled at a series of PSAs – Public Service Announcements – that ran a few years ago, encouraing people to give 5% of their income to charity.  Millions of ordinary people routinely and without second thought, tithe – giving away a tenth of their earnings based on Biblical principles.  In fact, they don’t even see it as their money. The way we sometimes put it, is that we are glad to work for a Boss who gives us a 90% commission.

With that introduction, different religious groups encourage slightly different methods of giving. We cannot tell you what to do. Each person should affiliate with one spiritual approach and act accordingly. We can only describe what happens in Jewish circles.

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