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How Long it Takes to Read Each Book of the Bible

The Forgotten Art of Bible Book Pacing

How knowing reading times can transform your devotional life

I learned the hard way about the importance of knowing biblical reading times during a Bible study class I was leading. In our first week, when discussing reading through the Old Testament books, I confidently told the group that the book of Numbers could easily be read in about an hour and a half—perfect for a focused Saturday morning reading session.

By week two, several class members had attempted my suggested reading plan. "What version of Numbers are you reading?" one woman asked with genuine confusion. "It took me four hours to get through it!"That's when I realized my mistake. I had been listening to the audio Bible at 2x speed for months without even thinking about how that skewed my sense of normal reading pace. What I thought was standard reading time was actually double-speed consumption. I sheepishly had to explain my error to the class. 

But that embarrassing moment taught me something crucial: most of us have no idea how long it actually takes to read biblical books at normal speed. And that ignorance, I'm convinced, is robbing many of us of one of the Bible's greatest pleasures and most powerful tools for spiritual growth.
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The Problem with Bite-Sized Scripture

Our evangelical culture has trained us to consume Scripture in perfectly portioned devotional nuggets. A verse here, a paragraph there, maybe a chapter if we're feeling ambitious. We've atomized the Bible into daily portions that fit neatly between our morning coffee and the commute to work.

But imagine if we approached any other literature this way. Picture reading Mere Christianity one paragraph at a time over the course of two years, or experiencing Shakespeare by consuming three lines of Hamlet each morning. The very suggestion sounds absurd. Yet this is precisely how most Christians engage with books that were written to be read as complete, cohesive units.

Paul didn't write Ephesians to be consumed in six-verse increments. Luke didn't craft his Gospel to be digested over three months of daily quiet times. These authors had sweeping arguments to make, grand narratives to unfold, and unified themes to develop. When we chop them up into devotional McNuggets, we lose the forest for the trees.


The Power of Literary Unity

Consider what happens when you read Ephesians in a single sitting—all six chapters, cover to cover, in about 20 minutes. Suddenly, Paul's argument becomes clear. You feel the movement from doctrinal foundation (chapters 1-3) to practical application (chapters 4-6). You sense the urgency in his plea for unity. You grasp how his theology of God's eternal purpose connects directly to his commands about marriage, work, and spiritual warfare.

The same transformation occurs with other books. Read Mark's Gospel straight through in 75 minutes, and you'll experience the breathless pace Mark intended—Jesus moving with divine urgency from miracle to miracle, confrontation to confrontation, all building toward the shocking climax of the cross and resurrection.

Try reading Habakkuk in five minutes, and you'll follow the prophet's complete emotional journey from complaint to confidence, experiencing his wrestling with God as a unified prayer rather than disconnected fragments.


Practical Rhythms for the Christian Reader

This doesn't mean abandoning careful study or verse-by-verse meditation. Rather, it means adding a crucial layer to our Scripture engagement that we've largely forgotten. Here's what I've found helpful:

Start with the short books. Philemon takes less than three minutes. Jude takes four. These bite-sized books are perfect for developing the habit of reading biblical books as complete units.

Use a reading schedule, not a study schedule. Set aside time specifically for reading Scripture straight through, without stopping to analyze or take notes. Save the commentary and cross-references for separate study times.

Read aloud when possible. Remember, most of the New Testament letters were intended to be read aloud to gathered congregations. There's something powerful about hearing these words with your ears, not just seeing them with your eyes.

Choose appropriate settings. Reading Lamentations requires a different frame of mind than reading Philippians. Some books demand solitude and quiet reflection; others invite joy and celebration.


The Time Investment That Pays Dividends

The beautiful truth is that most biblical books require surprisingly little time investment. You can read all of Paul's prison epistles (Ephesians, Philippians, Colossians, and Philemon) in about 45 minutes. The entire book of Psalms—often treated as an endless collection of individual prayers—can be read in less than five hours.

When we know these timeframes, we can make informed decisions about our Scripture engagement. We can choose to read Romans straight through on a Saturday morning rather than letting Paul's magnificent argument unfold over two months of fragmented daily readings. We can experience John's Gospel as the unified, compelling narrative it was meant to be, rather than as a collection of isolated stories and sayings.



Beyond Information to Transformation

I'm not arguing against careful, methodical Bible study. The church needs more serious students of Scripture, not fewer. But we also need Christians who know what it feels like to be swept along by the full force of a biblical author's complete argument, who have experienced the literary and theological unity that makes each book a masterpiece of divine revelation.

There's something profoundly transformative about reading Galatians in 20 minutes and feeling Paul's pastoral urgency burning through every paragraph. There's deep joy in reading Philippians straight through and being caught up in Paul's contagious rejoicing despite his circumstances. There's holy fear in reading Hebrews as a sustained warning against falling away from Christ.

These experiences—the experience of reading Bible books as books—have been largely lost to our generation of Christians. But they don't have to remain lost. All it takes is a timer, an open Bible, and the willingness to let biblical authors tell their complete stories in the time they require to tell them well.

The Bible wasn't written to fit our schedules. Perhaps it's time we adjusted our schedules to fit the Bible.


What biblical book will you read straight through this week? Start small—maybe 2 John (90 seconds) or Jude (4 minutes)—and discover what you've been missing.


"How Much Do I Need for Retirement?" Finding your Maximized Stewardship Number

journal with compass and magnifying glass

How Much Do I Need for Retirement? Introducing the Maximized Stewardship Number

Most financial blogs ask, “How much do I need to retire?” but for those of us trying to follow Christ and live for eternity, that’s not a fulfilling question. We’re not called merely to retire into leisure. We’re called to be faithful to Christ to the very end of our lives.

That’s why I prefer a better question:

What is my Maximized Stewardship Number?

This number isn’t about beaches, golf courses, or RV trips across the country, although this number can certainly include leisure. It’s about freedom—freedom to give radically, serve without constraint, and go wherever God calls without financial hesitation. It’s the number that, once reached, unleashes your ability to be fully available to God's mission—across the street or across the ocean.

Let’s dig into how you calculate it—and how you can reach it with purpose and joy.

100 S.M.A.R.T. Financial Goals

S.M.A.R.T. goals are a framework for setting clear, achievable objectives. The acronym stands for:

Specific – Clearly define the goal. Avoid vague or broad objectives.

Measurable – Establish criteria to track progress and determine when the goal is achieved.

Achievable – Set a goal that is realistic given available resources and constraints.

Relevant – Ensure the goal aligns with broader objectives and values.

Time-bound – Set a deadline to create urgency and accountability.

(S.M.A.R.T. goals were first introduced by George T. Doran in a 1981 article titled "There's a S.M.A.R.T. Way to Write Management’s Goals and Objectives." Doran was a consultant and former Director of Corporate Planning for Washington Water Power Company. His original framework was designed to help businesses create effective goals, but over time, it has been widely adopted in personal development, education, and various industries.)

S.M.A.R.T. goals help people avoid the common pitfalls of “good, old-fashioned” goal-setting—like vagueness, lack of accountability, and unrealistic expectations. 

Sometimes it is hard to know where to start with our goals. So here is a list of 100 SMART financial goals. 

Giving & Generosity

  1. Tithe 10% of my gross income every month for the next year.

  2. Increase my giving to 12% of my income within the next 12 months.

  3. Give generously to a ministry my church supports.

  4. Set aside $50 per month to help someone in need in my church.

  5. Pay for a young family's meal in the next two months. 

  6. Provide an anonymous financial blessing of $200 to a struggling family within the next 6 months.

  7. Increase my church offering by $50 per month starting next quarter.

  8. Support a seminary student with a $1000 gift by the end of this year.

  9. Pay for a single mom’s groceries one time in the next 3 months.

  10. Contribute $1000 to a church building fund within the next year.

Debt Reduction & Financial Freedom

  1. Pay off my smallest debt ($XXX) in the next 3 months.

  2. Pay off all my credit card debt within the next 12 months.

  3. Reduce my student loan balance by 25% within the next 2 years.

  4. Pay off my mortgage 10 years early by increasing principal payments by $200/month.

  5. Pay off my car loan within the next 18 months.

  6. Eliminate all consumer debt within the next 3 years.

  7. Avoid taking on any new debt for the next 5 years.

  8. Stop using credit cards immediately.

  9. Save $5000 for a debt-free family vacation by next summer.

  10. Complete Dave Ramsey’s Financial Peace University within 6 months.

Savings & Emergency Fund

  1. Save $1000 for a starter emergency fund within 3 months.

  2. Build a 6-month emergency fund ($XX,XXX) within the next 18 months.

  3. Save $5000 for a major home repair by next year.

  4. Set up a dedicated savings account for unexpected giving opportunities within 2 months.

  5. Save $200 per month toward a future vehicle purchase in cash.

  6. Increase my emergency fund savings rate by 20% starting next month.

  7. Open a high-yield savings account within the next 30 days.

  8. Have at least $10,000 in liquid savings within 5 years.

  9. Save for 3 months of living expenses before making a major career transition.

  10. Starting now, save $50 per paycheck for Christmas gifts to avoid holiday debt.

Investing & Wealth Building

  1. Contribute $500 per month to my retirement account for the next year.

  2. Increase my 401(k) contributions to 15% of my income within 6 months.

  3. Open a Roth IRA and contribute $7000 by the end of this year.

  4. Max out my Roth IRA every year starting this year.

  5. Open an investment account and deposit $1000 within 3 months.

  6. Save for a rental property down payment within the next 5 years.

  7. Read a book on investing in the next 2 months.

  8. Consult a faith-based financial advisor within the next 6 months.

  9. Invest $50 per month in my child’s education fund.

  10. Increase my net worth by $50,000 over the next 5 years.

Income Growth & Career Advancement

  1. Negotiate a raise or promotion within the next 12 months.

  2. Start a side business that generates $500/month within a year.

  3. Complete a certification to improve my job skills within 6 months.

  4. Earn an additional $5000 in income through freelance work within a year.

  5. Invest in a course or conference that enhances my career within 6 months.

  6. Create a passive income stream that earns $200/month within 3 years.

  7. Ask my employer about a retirement plan match and contribute accordingly.

  8. Monetize a hobby to generate $1000 in extra income this year.

  9. Sell unused household items and save $500 from the proceeds.

  10. Start a business that aligns with biblical values within 3 years.

Stewardship & Financial Discipline

  1. Create a monthly budget and stick to it for 6 consecutive months.

  2. Track every dollar I spend for 90 days to identify wasteful spending.

  3. Use cash envelopes for discretionary spending for the next 3 months.

  4. Reduce unnecessary subscriptions and save $500 annually.

  5. Review my insurance policies and adjust coverage if necessary within 3 months.

  6. Set financial goals for the next 5 years and write them down.

  7. Teach my children about biblical money principles within 6 months. Use this. This. Or this.

  8. Have a weekly budget meeting with my spouse for the next 12 months.

  9. Read one personal finance book every quarter for a year. Start with this one.

  10. Establish a habit of financial accountability with a trusted friend.

Children & Family Finances

  1. Start a college savings account for my child within 3 months.

  2. Teach my child how to manage money by setting up a simple budget.

  3. Help my teen open a checking account and teach them to balance it.

  4. Pay cash for my child’s extracurricular activities for the next year.

  5. Teach my children about giving by having them donate 10% of their earnings.

  6. Save $500 for each child’s future expenses by next year.

  7. Find out the lump-sum amount or monthly amount needed to help my child become a millionaire.

  8. Open a custodial investment account for my child within 6 months.

  9. Set up a family meeting to discuss financial stewardship.

  10. Help my child earn their first $100 through work instead of an allowance.

Homeownership & Major Purchases

  1. Save $20,000 for a home down payment within 3 years.

  2. Pay off my home early by making extra principal payments every month.

  3. Save for and pay cash for all home improvements.

  4. Avoid financing furniture or appliances for the next 5 years.

  5. Save $10,000 for a vehicle purchase within 2 years.

  6. Pay cash for my next vehicle instead of financing.

  7. Research home refinancing options to save on interest.

  8. Build a home maintenance fund of $2000 within the next year.

  9. Invest in energy-efficient home upgrades with a payback period under 5 years.

  10. Set a savings goal for a future vacation home or property.

Long-Term Legacy & Estate Planning

  1. Write a will within the next 6 months.

  2. Set up a trust for my children’s inheritance within 2 years.

  3. Purchase life insurance that provides for my family’s needs.

  4. Designate charitable giving in my estate plan.

  5. Meet with an estate planning attorney within 12 months.

  6. Teach my children about responsible wealth management.

  7. Create a plan to transfer business assets biblically.

  8. Assign financial power of attorney to a trusted person.

  9. Leave a written financial testimony for my family.

  10. Set up automatic giving to my church upon my death by listing the church as a beneficiary.

Faith & Contentment Goals

  1. Pray over every financial decision for 30 days before making a major purchase.

  2. Read one book on biblical stewardship this year. Try this one.

  3. Memorize 10 Bible verses about money and stewardship (Proverbs 3:9-10, Proverbs 22:7, Malachi 3:10, Matthew 6:19-21, Matthew 25:14-30, Luke 16:10-11, 1 Corinthians 4:2, 2 Corinthians 9:6-7, 1 Timothy 6:17-19, Hebrews 13:5)

  4. Host a Bible study on financial stewardship.

  5. Declutter and give away items I no longer use.

  6. Fast from non-essential spending for 30 days.

  7. Replace “I need” with “God provides” in financial conversations.

  8. Keep a gratitude journal for financial blessings.

  9. Take a survey to see where you stand on your finances. Try this one.

  10. Trust God’s provision and avoid anxiety about money.

Create a Spending Plan (Budget) for your Finances

Managing finances wisely is a matter of stewardship, not just numbers. Proverbs 21:5 reminds us, "The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty." For Christians, spending plans should reflect God-honoring priorities:

  1. Give to God First – Proverbs 3:9-10 says, "Honor the Lord with your wealth and with the firstfruits of all your produce; then your barns will be filled with plenty, and your vats will be bursting with wine." Our first priority should always be faithful giving to God through tithes and offerings.

  2. Save for Future Goals – Proverbs 6:6-8 highlights the wisdom of the ant in preparing for the future. Setting aside funds for future needs, emergencies, and long-term goals reflects prudent stewardship.

  3. Plan Expenses Wisely – Luke 14:28 reminds us of the importance of planning ahead: "For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?" Thoughtful spending ensures we are not reckless with the resources God has entrusted to us.

Types of Spending Plans

There are several ways to structure a financial stewardship spending plan, each with its own benefits. Choosing the right one depends on your financial situation, discipline, and personal preferences.

1. Zero-Based Spending Plan

A zero-based spending plan assigns every dollar to a specific purpose so that your income minus all expenses (including giving and saving) equals zero. This method ensures intentional spending and eliminates waste.

Example: If your household income is $4,000 per month, every dollar is designated for a purpose: $400 for tithing, $600 for savings, $3,000 for living expenses. Every cent is accounted for, reducing unnecessary spending.

2. The Envelope System

This method involves physically or digitally allocating money into specific categories. Once an envelope is empty, spending in that category stops until the next budgeting cycle.

Example: If you allocate $500 for groceries, you only spend what’s in the grocery envelope. This method is excellent for those who struggle with overspending.

3. The 10-15-75 Plan

This simplified approach divides income into three broad categories:

  • 10% for Giving (Malachi 3:10: "Bring the full tithe into the storehouse.")

  • 15% for Savings (Proverbs 13:11: "Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.")

  • 75% for Expenses

This method is straightforward and easy to follow for beginners.

Choosing the Right Plan for You

No single spending plan fits all households, but the key is intentional stewardship. The best plan is the one that helps you be a faithful steward of what God has entrusted to you.

To assist with choosing the right budget method for your household, below is a chart of the various budgeting apps available:



Pay $0.00 today with your 14-day FREE trial to EveryDollar Premium (new users only). EveryDollar Premium subscriptions are $17.99/month or $79.99/year after your free trial ends. 


FaithFi has a free app version that allows you to manually track expenses. If you want to connect your bank accounts and have automatic expense tracking, the premium subscriptions are $75/annually or $8.99/monthly. There is a 14-day free trial. 


Rocket Money has a free version of their app. Their optional Premium Membership provides enhanced features at a price that suits you. These prices can vary at times and across platforms, but in general, members can choose monthly prices between $6-$12 per month. As a new Premium member, you'll receive a 7-day free trial to explore the additional features.



5) Quickbooks by Intuit -- the most advanced app designed more for business than for personal finance. The value of Quickbooks is that it links to TurboTax and allows seamless bill pay. You can also print monthly and annual reports. It is a bit pricey

By prioritizing giving, saving, and planned spending, we honor God with our finances. Stewardship is a spiritual discipline, and as we manage our resources wisely, we reflect our trust in the Lord’s provision. 

What are your 7 money numbers?


God calls Christians to be good stewards of the resources he has provided. Managing personal finances is not just about achieving financial success but also about honoring God through our decisions. The Bible speaks to the importance of wise financial management and stewardship in many places.

Not everybody enjoys personal finance, which is why I boiled it down to just seven numbers. These seven numbers can help you gauge your financial health, stability, and future. 


1) Annual Income

Your annual income is the total amount of money you earn in a year. This includes wages, business profits, freelance income, rental income, and any other sources of revenue. As Christians, it’s important to acknowledge that our income comes from God and that we should honor Him in how we use it.

Practical Example:

  • Job Salary: $50,000

  • Freelance Income: $10,000

  • Rental Income: $12,000

Total Annual Income: $50,000 + $10,000 + $12,000 = $72,000

Scripture Reference:
"But remember the Lord your God, for it is he who gives you the ability to produce wealth." — Deuteronomy 8:18

God is the ultimate source of all provision. Recognizing this truth helps us stay humble and grateful, ensuring that we acknowledge Him as the giver of every good thing.


2) Annual Expenses

Annual expenses are the total amount of money you spend in a year. This includes everything from your mortgage or rent, utilities, groceries, insurance, tithes and offerings, taxes, and any other necessary costs. As Christians, it’s important to manage these expenses carefully, honoring God with how we allocate our resources.

Practical Example:

  • Mortgage Payment: $18,000

  • Utilities (electricity, water, internet): $3,000

  • Groceries: $5,000

  • Insurance (health, car, home): $4,000

  • Tithes and Offerings (10% of income): $7,200

  • Taxes: $10,000

Total Annual Expenses: $18,000 + $3,000 + $5,000 + $4,000 + $7,200 + $10,000 = $47,200

How to Find Your Annual Expenses:

To estimate your annual expenses, a simple method is to download the three most recent months of your bank statements. Once you have the three months of data, calculate the average monthly spending for each category (mortgage, utilities, groceries, etc.). Multiply each monthly total by 12 to get an annual estimate.

Scripture Reference:

"The plans of the diligent lead to profit as surely as haste leads to poverty." — Proverbs 21:5

Good planning is part of being a wise steward, and keeping track of your expenses is a key component in ensuring that you live within your means.


3) The Net Difference Between Annual Income and Annual Expenses

The net difference represents the gap between your income and expenses. If you have a surplus (income exceeds expenses), you have more money to save, invest, or give. If you have a deficit (expenses exceed income), you may need to make adjustments. To calculate your net difference, fill out the personal finance worksheet here. 

Practical Example:

  • Annual Income: $72,000

  • Annual Expenses: $47,200

Net Difference (Surplus): $72,000 - $47,200 = $24,800

Scripture Reference:

"Precious treasure and oil are in a wise man's dwelling,
    but a foolish man devours it."
— Proverbs 21:20

When you have a surplus, it is an opportunity to be generous and invest wisely. A deficit may be a call to re-evaluate your spending and adjust your priorities to ensure financial health and faithfulness.


4) What You Own (Assets)

Assets are anything of value that you own. These could include your home, savings, investments, or any other possessions that have financial value. Christians are called to be wise stewards of their assets, using them to honor God and serve others.

Practical Example:

  • Home: $200,000

  • Retirement Accounts (401(k), IRA): $50,000

  • Cash Savings: $10,000

  • Investment Portfolio (stocks, bonds): $15,000

Total Assets: $200,000 + $50,000 + $10,000 + $15,000 = $275,000

Scripture Reference:

"The earth is the Lord's, and everything in it, the world, and all who live in it." — Psalm 24:1

Everything we own ultimately belongs to God, and we are entrusted with it to manage wisely. Acknowledging this helps us use our assets in a way that honors Him.


5) What You Owe (Liabilities)

Liabilities are your debts—anything you owe to others. These could include mortgages, student loans, credit card debt, or car loans. As Christians, we are encouraged to live debt-free and avoid being enslaved to debt (Proverbs 22:7). However, we recognize that sometimes debt is necessary, and managing it well is a part of good stewardship.

Practical Example:

  • Mortgage: $150,000

  • Car Loan: $10,000

  • Credit Card Debt: $5,000

Total Liabilities: $150,000 + $10,000 + $5,000 = $165,000

Scripture Reference:

"The rich rule over the poor, and the borrower is slave to the lender." — Proverbs 22:7

Debt can limit your ability to be generous and steward well. While not inherently sinful, managing debt responsibly and working to eliminate it should be a priority.


6) Net Worth

Net worth is the difference between what you own (assets) and what you owe (liabilities). It gives you a snapshot of your overall financial health and progress toward financial freedom. Christians should view their net worth as a tool for stewardship, not as an idol to be worshiped. To calculate your net worth, use this online calculator.

Practical Example:

  • Total Assets: $275,000

  • Total Liabilities: $165,000

Net Worth: $275,000 - $165,000 = $110,000

Scripture Reference:

"A good man leaves an inheritance for his children's children, but a sinner's wealth is stored up for the righteous." — Proverbs 13:22

Your net worth reflects your financial foundation. It can be used to support your family, serve others, and build a legacy for future generations.


7) The Maximized Stewardship Number

The maximized stewardship number represents the amount of savings and investments you need to accumulate in order to no longer rely on a paycheck. Some refer to this number as their "retirement number." The question, "How much do I need to retire?" is an important question to ask. However, the Bible no where talks about retirement as the destiny for working Christians. So, instead of retirement, the Maximized Stewardship Number reflects your ability to maximize your finances throughout your life, ensuring that you are equipped to support your family, give generously, and serve others when it comes to the latter part of life. This number is easily found by multiplying the most recent year of expenses by 25. 

Practical Example:

  • Annual Expenses: $47,200

  • Maximized Stewardship Number (25x rule): $47,200 x 25 = $1,180,000

Key Financial Rules of Thumb:

  • The 4% Rule: The 4% rule suggests that you can safely withdraw 4% of your savings each year, ensuring that your funds last indefinitely. This rule is based on the assumption that your money will be invested in a diversified portfolio, and the growth will help sustain your withdrawals over time.

    Example: If you have $1,180,000 saved, withdrawing 4% each year would give you an annual income of $47,200, which matches your annual expenses.

  • The 25x Rule: This rule suggests that you need 25 times your annual expenses saved in order to withdraw 4% of it each year without running out of money. It’s a guideline to help you think about how much wealth you need to be able to maximize your stewardship of time, money, and resources.

    Example: With $1,180,000 saved, you can withdraw 4% per year to support both your needs and your generosity.

Scripture Reference:

"Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things." — Matthew 25:21

Maximizing your stewardship ensures that you can be faithful in all things, supporting your family, living generously, and advancing God’s Kingdom.


Conclusion: Faithful Stewardship for God's Glory

By understanding these seven numbers, you can better align your finances with biblical principles of stewardship, generosity, and wise planning. Regularly reviewing your income, expenses, assets, liabilities, net worth, and maximized stewardship number will help you make informed decisions, honor God with your wealth, and prepare for a future where you can serve Him without financial worry.