There's only one requirement for enjoying God's grace: being broke. . . and knowing it.
We've fallen for the devil's lie. His most basic strategy, the same one he employed with Adam and Eve, is to make us believe that sin brings fulfillment. However, in reality, sin robs us of fulfillment. Sin doesn't make life interesting; it makes life empty. Sin doesn't create adventure; it blunts it. Sin doesn't expand life; it shrinks it. Sin's emptiness inevitably leads to boredom. When there's fulfillment, when there's beauty, when we see God as he truly is-an endless reservoir of fascination-boredom becomes impossible.
When I save, I lay something aside for future need. If I sense God's leading, I will give it away to meet greater needs. When I hoard, I'm unwilling to part with what I've saved to meet others' needs, because my possible future needs outweigh their actual present needs. I fail to love my neighbor as myself.
God gives us abundant material blessing so that we can give it away, and give it generously.
The everyday choices I make regarding money will influence the very coarse of eternity.