The High Cost of Investment Procrastination

Procrastination doesn’t just steal time—it can also steal God-given opportunity. When it comes to investing, delaying can have a lasting impact not only on your personal finances, but on your ability to steward resources for kingdom impact.

Scripture calls us to be faithful stewards: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty” (Proverbs 21:5). Yet many believers postpone investing—waiting for more income, better timing, or fewer uncertainties. In doing so, they miss out on one of the most powerful financial tools God has provided: compound growth over time.

Consider, one who starts investing $200 a month at age 25 could have over $500,000 by age 65, assuming a 7% return. Wait just 10 years, and you’d need nearly double that contribution to reach the same goal. The difference isn’t just numbers—it’s margin, freedom, and the ability to give generously.

God doesn’t promise financial ease, but He does call us to live wisely, plan diligently, and prepare faithfully. Investing is not about hoarding treasure—it’s about multiplying resources for God’s glory. Like the faithful servant in Matthew 25, we are called to invest what we’ve been given, not bury it in fear or delay.

So don’t wait. Start small if you need to. But start. Stewardship begins not with how much you have, but with what you do with what you’ve been given—starting today.

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At BMA Financial, our desire is to assist you in becoming a better steward of God's resources. Please let us know how we can help you! Contact us today!

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Steve Crawley, PhD

BMA Financial

Executive Director