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Dave Says: Impulsiveness Is Not "Faith"

Dave Ramsey - July 10, 2012


I'd like to stay at home with the kids, but my husband and I don't know if we can afford it. How do we make the right decision for our family?

Dear Dave,

My husband and I would like for me to be able to quit my job and stay at home with our kids. We’ve got a little money saved up, but we’re not sure we could make it on just his salary. The money would be very tight. In your mind, how do we know the difference between being financially responsible and relying on God to provide?


Dear Michelle,

This is a great question! I admire the desire to be at home with your kids, and that you realize you can’t just act impulsively and call it faith. This is a concept that’s misused and misunderstood a lot.

If you can’t make it on just your husband’s salary, then you’ve got to develop a game plan that involves a written monthly budget and some lifestyle changes. If you do this with diligence and sacrifice, chances are you’ll be able to make this happen and not bankrupt your family. This could also mean that you start a small business on the side—something you could do from home—to offset the difference.

Having faith that God will provide requires study of the Scriptures. But God also tells us that you need the maturity and wisdom to plan your direction. The Bible says, “The diligent prosper. He who is impulsive exalts folly.” Folly is a fool in action. It’s kind of like the guy who closes his eyes, jumps in the pool, and hopes there’s water in there—and calls that faith.

I love the idea of you coming home to be with your kids, Michelle. Just make sure you develop an intelligent plan, and mix intellect with faith.


Dave Ramsey is America’s trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 5 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at

Comments 2 comments

grobyn said...

09:45 AM
on Jul 10, 2012

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Since the 60's and 70's when women started going to work outside the home, did GDP (adjusted for inflation) in the U.S. suddenly change it's pace in growth? NO! So, no one is much better off financially when women enter the work force. However, the morals of society have declined more rapidly in those 4-5 decades than they ever had in any previous 4-5 decades. Stay-at-home moms are WORTH it!

swissmiss said...

01:02 PM
on Jul 10, 2012

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I agree with Dave you need to plan and it may take a few months, but if you really want to you can stay home with your kids. It may mean moving to a smaller house, cancelling cable, etc. but you can make it work. There are so many newlyweds who take the "Lord will provide attitude" with having kids to begin with, which ultimately means the government will provide. A couple of girls I knew in college were telling me to just get pregnant, then I could get Medicaid, WIC, etc. to help with paying for the baby. Yes we should have children and stay-at-home with them but I agree with Dave, we should not be impulsive, we still need to be self-reliant and make a plan first, then you can be a stay-at-home mom.
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