Lazy people who refuse to work are only killing themselves; all they do is think about what they would like to have. If those who have decided to follow God, however, can give, and give generously, than by contrast they must be hard workers who think about what others do not have.
In the beginning, you must work to establish a reputation for one outstanding quality, whether generosity or honesty or cunning – or smarts. This quality sets you apart and gets other people to talk about you. You then make your reputation known to as many people as possible, and watch as it spreads like wildfire.
“Whoever is faithful in a very little is faithful also in much” (Luke 16:10). This points to God as the guarantor that using money for relationships will lead to lasting security. When you build good relationships with other people, you come to have a good relationship with God. Jesus does not say which matters more to God, the generosity to the poor or the good relationships with people. Perhaps it is both. “If then you have not been faithful with the dishonest wealth, who will entrust to you the true riches?” (Luke 16:11). True riches are good relationships with people founded on our mutual adoption as God’s children, and a good relationship with God is realized in generosity to the poor. Good relationships produce good fruit, which gives us greater ability to build good relationships and be generous to others. If God can trust you to be generous with a little bit of money and use it build good relationships, he will be able to entrust you with greater resources.
This suggests that if you do not have enough savings to feel secure, the answer is not trying to save more. Instead, spend the little you have on generosity or hospitality. Other people’s responses to your generosity and hospitality may bring you more security than saving more money would. Needless to say, this should be done wisely, in ways that truly benefit others, and not merely to assuage your conscience or flatter people targeted as future benefactors. In any case, your ultimate security is in God’s generosity and hospitality.
An observation is that people who generally work hard AND make good decisions do better. All people need to be taught to be compassionate and charitable and to give generously for the maintenance of the poor and to help them rise above their situation.