The CA$HKIDZ PayDay – a Biblical Perspective

Question: Is the CA$HKIDZ PayDay Biblical?  Do we want to teach our kids that they can get money for nothing?  Isn’t that reinforcing the notion of Welfare?

I want to thank you for passing along this question which I will do my best to answer.

It would be much easier to understand what someone is meaning when they say they believe something to be Biblical if they provided Scripture references to support their views. If they do not show supporting Scriptures then my answer is going to make assumptions about what they mean which may not be fair to them.

I am personally not aware of scripture passages that say we should not provide for our children or teach them unless they EARN it.

Perhaps a passage such as…

How long will you slumber, O sluggard? When will you rise from your sleep? Proverbs 6:9

I know I want to quote this to my teenagers many a day but if they sleep the day away I do not necessarily say they can not have the necessities I am obligated to provide to them.

Train up a child in the way he should go, And when he is old he will not depart from it. Proverbs 22:6

This passage says we need to train our children, not if they EARN or DESERVE it, but it is a command to us!!

When our children have needs do we as parents only provide for those needs if they have been obedient 100% and have earned it??

9 “So I say to you, ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you. 10 For everyone who asks receives, and he who seeks finds, and to him who knocks it will be opened. 11 If a son asks for bread from any father among you, will he give him a stone? Or if he asks for a fish, will he give him a serpent instead of a fish? 12 Or if he asks for an egg, will he offer him a scorpion? 13 If you then, being evil, know how to give good gifts to your children, how much more will your heavenly Father give the Holy Spirit to those who ask Him!” Luke 11:9-12

Like Salvation that does not have to be earned, perhaps the necessities of life should not have to be earned either.

The Bible does not promote slothfulness but neither does it promote that it is by WORKS that we shall receive all things. Praise God his GRACE is bigger than that because He gives us what we DO NOT deserve (salvation and redemption) and not what we DO deserve (eternal separation from Him because of our sin). Do we want to model GRACE to our children?

Outside of a program like CA$HKIDZ parents still buy their kids educational products, RESPs, clothing, food, education, books and more WITHOUT the kids having to work for it. Does that mean when we are buying our kids necessities and essentials that we are promoting welfare to them??

The only thing they usually hold back is FUN (allowance) money unless the kids earn it.

CA$HKIDZ is a program that promotes money management education for children. Each family can implement the program as they see fit, although we do provide a structure which we feel is Biblical for this process.

Most families require kids to do chores but do not attach it to FINANCES, but rather to other PRIVILEGES the kids have to earn (like computer time, tv time, having friends over, etc).

It would be recommended that anyone looking at our program go to and watch the 12 minute video laying out how the program works and the ideas and philosophies behind it. Each account is based on Biblical principles that are NOT shown in the video but are taught in our LIVE SEMINARS that we do to Christian groups and families.

So the bottom line is the CA$HKIDZ program is a structure for a Christian family to use to teach biblical Financial Principles of Money Management. Every family has additional values they can incorporate alongside the program. We did not want to throw our personal (not necessarily Biblical) views on raising kids into the program as that is the function of the parents. So if one family wants to attach chores to the entire program that is their right to do so – whether the developers of the program do or not.

Our desire is to prevent the next generation from falling into financial bondage by providing them with sound financial management at a young age. Many people who are sluggards, as well as many people who work hard ARE in financial bondage. It is not about how much we have but what we do with what we are given.

The following parable is about 3 servants who were GIVEN (they did not earn it) 5, 3 and 1 talent respectively. God was interested in what they did with what they had been GIVEN.

The Parable of the Talents

14 “For the kingdom of heaven is like a man traveling to a far country, who called his own servants and delivered his goods to them. 15 And to one he gave five talents, to another two, and to another one, to each according to his own ability; and immediately he went on a journey. 16 Then he who had received the five talents went and traded with them, and made another five talents. 17 And likewise he who had received two gained two more also. 18 But he who had received one went and dug in the ground, and hid his lord’s money. 19 After a long time the lord of those servants came and settled accounts with them.

20 “So he who had received five talents came and brought five other talents, saying, ‘Lord, you delivered to me five talents; look, I have gained five more talents besides them.’ 21 His lord said to him, ‘Well done, good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.’ 22 He also who had received two talents came and said, ‘Lord, you delivered to me two talents; look, I have gained two more talents besides them.’ 23 His lord said to him, ‘Well done, good and faithful servant; you have been faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.’

24 “Then he who had received the one talent came and said, ‘Lord, I knew you to be a hard man, reaping where you have not sown, and gathering where you have not scattered seed. 25 And I was afraid, and went and hid your talent in the ground. Look, there you have what is yours.’

26 “But his lord answered and said to him, ‘You wicked and lazy servant, you knew that I reap where I have not sown, and gather where I have not scattered seed. 27 So you ought to have deposited my money with the bankers, and at my coming I would have received back my own with interest.28 Therefore take the talent from him, and give it to him who has ten talents.

29 ‘For to everyone who has, more will be given, and he will have abundance; but from him who does not have, even what he has will be taken away. 30 And cast the unprofitable servant into the outer darkness. There will be weeping and gnashing of teeth.’

CA$HKIDZ starts with this principle and by GRACE we provide our children with GOOD GIFTS to teach them the way in which they should go and teach and hold them responsible for how they manage the talents they have been given. They are not to be sluggards but to manage it and in some accounts make it GROW.

I hope this provides some insight into our program. We love to hear from people with different view points and hope this can start a dialogue and response of any views that may be different (supported by Scripture).

Blessings on you,

David Senft

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