Like most pastors, Dave Cox dreaded churning out his obligatory, annual tithing sermon. He was usually just glad to get it over with.

That is, until Dave says he woke up to a hard reality: His church was neglecting to teach and train people how to live a lifestyle of biblical generosity -- and his people were suffering.

"I had been a coward," admits Dave, senior pastor of Westside Family Church in the greater Kansas City area. "I had shrunk back from what God's Word had to say. I was afraid, and I didn't know how people would react when we challenged them to do away with a self-serving way of life.

"People were making more money than ever before. But it was tearing their families apart and they were giving less to the kingdom."

It was then that Dave and the leadership of Westside made a decision that many innovative churches are making in the area of stewardship and generosity.

They put in motion a comprehensive, strategic and intentional plan -- and the resources to go with it -- that would teach their congregation how to live as "managers" of all God has given them, rather than owners.

Church leaders who focus on generous giving find that once-a-year pledges or capital campaigns don't do enough to foster the lifestyle they want to see reproduced in their people. Without practical, focused tools to teach the principles and practices of a generous life, church members will likely remain unchanged in this matter of the heart.

"We have never shied away from talking about money," says Terry Busch, executive pastor of Centre Street Evangelical Missionary Church in Calgary. "However, I think we've frustrated people by talking about what they could do and should do without giving them the tools they need to learn how to do those things."

For church leaders who echo Terry's sentiments, there is good news. The storehouse of tools to teach generous giving and biblical stewardship is rapidly expanding -- with solid off-the-shelf resources that are being refined to meet the needs of modern-day churchgoers.

Churches that are ahead of the curve in developing the teaching component of a generous culture start their teaching at the top with staff and leaders. And they address a full spectrum of needs -- from those in financial crisis to the most wealthy individuals and the 80 percent in-between.

Teaching Generosity Begins with Leaders
For churches that are setting the pace in cultivating a generous culture, leaders not only talk a good game; they are the first to get training and are modeling biblical stewardship and generosity.

Some church leaders model a generous life by giving up their salary during months of special giving, or donating 20% of their time to causes outside of their congregation.

Some churches are taking modeling all the way to the classroom, requiring their staff to be trained in biblical financial principles. Mount Pisgah United Methodist Church in Alpharetta, GA is training its department heads in Saddleback Church's new resource Managing Our Finances God's Way.

Those department heads will in turn train all of their staff members, resulting in the entire staff of 130 being trained within two months. Mount Pisgah is paying for all of the training material and giving staff members time during work hours to complete the training.

"If we're going to make generosity part of the culture, the leadership has to buy into it and live it," says Mount Pisgah member Glenn Davenport. "We want it to become a core competency. We want to be intentional and focus on it, not just give it lip service and preach about it."

Teaching that Covers the Full Spectrum
Churches that are serious about biblical stewardship and generosity know they can't focus just on those in crisis on one end of the spectrum, or the most affluent on the other end. Generous living is a topic that knows no age limit or economic status.

Dave Cox at Westside has seen nearly 800 people complete the Crown Ministries financial classes, and found "it targets givers at every level, from the guy who is horribly in debt to the most wealthy."
A quick rundown of 10 resources utilized most often by churches that are leading the way in developing lifestyles of generosity and biblical stewardship:

Journey to True Financial
Freedom
Seminar

The most popular church seminar, with several held every month around the country.

Financial Peace University
This 13-week video series by radio personality Dave Ramsey is a biblically based accountability class designed to teach families how to get out of debt and stay out of debt.

Good Sense Budget Course
(Willow Creek Association)

The goal of the Good Sense Budget Course is for each participant to commit to and begin developing a biblically-based budget or "Spending Plan."

Business by the
Book
Seminar

This seminar challenges participants to apply biblical principles to every aspect of business.

The Treasure Principle Workshop
The first study in Crown's new "Workshop in a Box" series, teaches the joy of giving.

Managing Our Finances God's Way (Saddleback Church in partnership with Crown Ministries)
A seven-week, video-based small group study that inspires members to live debt-free and/or manage finances in a way that enables them to respond to God's calling.

Momentum
With this Dave Ramsey resource, churches develop
cash-flow building projects and operate debt free, rather than taking on "manageable debt."

The Treasure Principle and Fields of Gold
Numerous innovative churches have distributed free copies of the books The Treasure Principle by Randy Alcorn (Multnomah) or Fields of Gold by Andy Stanley (Tyndale House) in conjunction with a message series.

Generous Giving
Generous Giving is a privately funded ministry that seeks to encourage givers of all income
levels, as well as pastors, church and lay leaders to experience the joy of giving and embrace a lifestyle of generosity.

In trying to address the needs that exist across the economic continuum, Gateway Church in Southlake, TX is intentionally working to meet the needs of four groups:
People in Crisis
People who Need the Basics
People who Have Healthy Financial Lives
People who Are Wealthy

Gateway's Gunnar Johnson says that while most of the resources being produced address those in crisis well, material for those who are financially healthy is still the most neglected field in stewardship training.

"These are typically 30-somethings with fairly disposable income," Gunnar says. "They want to know, 'What does the Bible say about me?' We want to help them grapple with the questions, 'How much is enough? Why has God given me this surplus?'"

For those in need of immediate financial help or even ongoing benevolence, churches are taking some innovative approaches. Some require anyone who receives charitable contributions to attend financial training classes or meet with a financial counselor.

"Instead of paying their utility bill, we will pay for a session with a financial planner," says Centre Street's Kervin Raugust. "Sometimes that's the most helpful thing we can do."

Church leaders say those who are wealthy are often the most difficult to serve in the area of stewardship. But many leading generous churches are navigating their way and beginning to provide helpful ministries to those with financial means.

Many churches are establishing foundations to aid the wealthy in planned giving, as well as workshops on topics such as tax laws and their impact on long-term investments. Some church-based foundations are developing new initiatives for giving, such as life insurance as a gifting tool, setting up wills and facilitating estates.

Gateway has developed a unique twist for some of its well-to-do members with a "Boardroom" Stewardship Series for several of the church's CEOs, business owners or significant managers in the marketplace.

The groups of 10 meet once a month for three to four hours in the corporate boardroom of a group member. The meeting is run by business leaders, with a goal of providing accountability and encouragement in a non-religious setting.

"They give each other encouragement and accountability regarding family, relationships, morals and travel," Gunnar says. "They help each other be successful, not just as a giver, but with every aspect of life."

Generous Giving and Leadership Network have formed a strategic partnership to develop the Generous Churches Leadership Community focused on peer learning by innovative churches intent on creating cultures of generosity. For more information, visit www.leadnet.org, or contact Byron Vankley.