Article
Culture
Economics
Generosity
5 min read

Be generous: pass on values and vision, not just wealth

Millennials may not earn more—but they could steward more wisely
An illustration of a family around a table looking at graph on a laptop.
Nick Jones/Midjourney.ai.

For the first time in modern history, this present generation of 28 to 43-year-olds will not achieve a higher standard of living than their parents. This is due to factors including wage stagnation, exorbitant house prices, equally exorbitant student debt, and an unstable job market.  

Paradoxically, this same generation stands to inherit the greatest amount of wealth in history. The Financial Times estimates this to be about £8.3 trillion in the U.S., £2.7 trillion in Europe, and £2.2 trillion in Asia.  

For Christian families fortunate enough to find themselves in this situation, it’s important to consider that passing on wealth is not just a financial issue, it’s a discipleship issue. And before we delve in, I want to acknowledge that not every reader will fit the traditional family model. You might be single, part of a blended family, estranged from children, or mentoring younger people instead of raising them. The principles here still apply - ‘next generation’ simply means those you influence.  

Talk about it 

One of my soap boxes is to encourage people, especially Christians, in the UK to talk more about money and giving. This becomes especially important within families who steward a lot of wealth. If parents don’t speak to their children about their wealth – what they’re doing with it and why – they run the risk of their children 

  • feeling overwhelmed by the responsibility and potentially making poor choices,  

  • not understanding or valuing their parents' heart for good stewardship and potentially squandering the wealth, 

  • doing things their own way and potentially dishonouring their parents’ wishes, or 

  • feeling resentful that they did not inherit as much as they thought they would. 

Being intentional and speaking openly as a family about your wealth will give you as parents a chance to inculcate your children with conviction about and purpose for what God has blessed you, and them, with. And it will give your children the opportunity to share their own heart and views on how to use wealth for good, as these may differ from yours.  

There is a plethora of information out there, and plenty of professional advisors who would love to be called upon to manage your wealth transfer, but, if you are a person of Christian faith, let us challenge ourselves to look to Scripture as a first point of departure.  

David and Solomon  

King David looms large as a character in the Old Testament. One of his ambitions was to build a temple for the Lord in Jerusalem. But God explicitly told him that he didn’t want David to do the building; instead, this project was to be passed on to his son, Solomon. We know that David was a very wealthy man, and that the temple building project would require vast amounts of resources, and thus, perhaps we can consider this instance as one of the great wealth transfers of ancient times. 

There are many takeaways from this story, but here are a few that stand out to me.  

David’s desire to build a temple for the Lord comes after he’s built an extravagant palace for himself. This invites a question: how many of us might come to the end of our working lives and realise we’ve had similar priorities?  

While we don’t have a way of knowing how much Solomon’s own ideas were welcomed in the planning and preparation, I think we can assume that David spent a lot of time imparting his vision and motivation to Solomon. There’s no way this kind of philanthropic project could’ve been executed otherwise.  

While this transfer started well, it didn’t end well. Solomon went on to accumulate even more wealth than his father and ended his life in a downward spiral of excess and deception. I’m not saying there is a direct correlation between inheriting wealth and getting caught in a downward spiral, but there are many temptations and pitfalls to contend with. 

There’s something to be said for timing. While one of the scripture passages that relate this story makes it sound like the handover went smoothly, another paints a very different picture. In it we see an elderly king clinging to his position and refusing to pass his mantle to Solomon until a coup by another son forces his hand.  

What can we learn from this?  

If we want our children to use their inherited wealth wisely and generously, it’s vital that they witness their parents modelling the right priorities. If I’ve pursued the accumulation of wealth more than I’ve pursued generously sharing my resources, my children are more likely to do the same. 

If we intend to pass our legacy on to our children, we must involve them in the conversation early on. And we must be careful to allow room for their own ideas lest they grow disillusioned and disengage.  

We cannot control what our children do with the wealth we give them; we can only do our best to model the right attitude before God when it comes to our resources. The best way to do this is to teach our children that everything we have comes from God and is to be used for his purposes, not for our own material excess.  

Know when to pass on the mantle. If we hang on too long, we risk opening the door to unnecessary division and conflict within our family. It’s also worth considering transferring wealth earlier rather than later in order to be philanthropically active as a family. As in a relay race, the person being passed the baton must for a time be running at the same speed as his or her predecessor.  

The great generational transfer  

When the time comes to hand over our resources and our legacy to the next generation, there are many things to consider. We’re not just handing over our money; we’re handing over all of what we’ve learned and experienced in our walk with God. I would argue that this spiritual transfer is even more significant than any other kind. For that, we have many biblical examples we can turn to: Moses and Joshua, Elijah and Elisha, Paul and Timothy, and of course, Jesus and his Church.  

Jesus told his disciples to go and make disciples of all nations, akin to what God said to Adam and Eve way back in the beginning: Be fruitful, fill the earth and exercise good stewardship over it. Our mission has always been to steward the earth, see it flourish, and point people to a relationship with God. To do this, God has put resources into our hands to be stewarded well and faithfully passed on to the next generation. It’s imperative that we do this well if our message is to be taken seriously.  

What would it look like for your family, or the next generation you influence, to steward both resources and faith together?  

 

Stewardship UK sponsors series 8 of the Re-Enchanting podcast. Find out more. 

Review
Books
Culture
Digital
Leading
5 min read

How a card game, going off-grid, and a great teacher, shaped Bill Gates

A new biography explores the man who shaped the digital decades

Krish is a social entrepreneur partnering across civil society, faith communities, government and philanthropy. He founded The Sanctuary Foundation.

Bill Gates talks from behind a table with a small sign bearing his name.
Bill Gates.
European Parliament, CC BY 4.0, via Wikimedia Commons

It is hard to find Bill Gates the man behind Bill Gates the tech billionaire. The founder of Microsoft is consistently portrayed in the media solely through the lens of wealth, influence and innovation, and with good reason. For decades he has ranked one of the richest men in the world with a net worth of around $113 billion, and his most recent operating system running on over 400 million devices around the world.  

But in the first instalment of his planned three-volume biography Bill Gates reveals something of his personal story - of the rituals, coincidences and relationships that have shaped the man who, like it or not, is shaping all our lives

As someone who grew up riding the wave of the technological revolution of the 1970s, 80s and 90s, I found Bill Gates’ deeply personal portrait particularly fascinating. But the themes of his book resonate even wider - the way he talks about relationship and risk, inclusion and inspiration, memory and morals, are poignant however much time you spend on your computer and however much money you have in your pocket.  

Hearts with Grandma shaped Gates’ childhood 

The powerful influence of Gates’ family, particularly his grandmother, is unmistakable. The biography opens and closes with the woman who called him “Trey,” recognizing his place as the third William Henry Gates in the family. Their close bond developed over the card table, where Gates sat in awe of her mental sharpness. Even into old age she regularly beat him at her favourite game, Hearts. It’s likely not a coincidence that this game made it into Microsoft’s early operating systems: Gates’ way of sharing something of his grandmother with the world. But Hearts was more than a card game. It symbolises the space Gates was offered to learn strategy, logic and focus. It was a levelling of the playing field across generations and an opportunity to discover and refine his sense of identity, competition and connection.  

I found myself reflecting on my own childhood, and those long dark evenings playing Carrom and Rummikub with my mum, at least until I was seduced by Pacman and Elite on my microcomputer. Then I thought about how that played out with my own children who I once taught to play Uno and Connect 4 and who have subsequently introduced me to the challenges of Catan, Carcassonne, Codenames, Ganz Schon Clever, and so on. Card and table games have had their own mini-revolution since the days of Hearts and Patience: they continue to be the school where early learners develop strategy, connection, and identity.  

Off-grid and online life shaped Gates’ young adult life  

Gates’ childhood, as portrayed in his biography, feels like it belongs to a completely different era. It makes me feel uncomfortable as he describes the way he used to disappear as a teenager on a nine-day hike through the Cascade Mountains in Washington State with friends—no mobile phones, no contact with home. In one remarkable story, his parents managed to reach him by phoning a random stranger in a town along his route. That stranger successfully relayed the message that his family’s planned rendezvous had changed. It’s an image from a different world, one of off-grid trust, risk, and adventure—far from the always-on, hyper-connected digital culture Gates would go on to help create. How ironic that the skills Gates needed to become one of the central architects of digital transformation were formed in the middle of nowhere. The infrastructure of today’s information age—its fluidity, reach, and depth—was birthed in mountain walks, wild camping and lake swimming. 

The image of a young Bill Gates forging resilience and perspective far from the digital world is both nostalgic and instructive. Perhaps the next great innovators won’t emerge from the data diet or coding camps but from tents under the stars and homes where screens are conspicuously absent.  

Gates’ neurodiversity is his superpower 

One of the most important influences that emerges during Gates’ school education was Mrs Blanche Caffiere, the school librarian at View Ridge Elementary in Seattle. She not only managed the library but also invited young Gates to work as her assistant—a role that empowered him, nurtured his curiosity, and profoundly shaped his sense of belonging at school. Socially awkward but intellectually gifted, Gates was given a position of responsibility, and that act of trust and inclusion gave structure to his experience of school as well as a place where he could flourish. It’s a powerful reminder of the transformative role teachers can play—especially those who go beyond the curriculum to draw out the unique gifts of each student.  

In the book’s epilogue, Gates reflects on his neurodiversity:  

“If I were growing up today, I probably would be diagnosed on the autism spectrum… During my childhood, the fact that some people’s brains process information differently from others wasn’t widely understood.” 

 His parents seemed to respond to his difference with patience and ingenuity. While they clearly struggled, they also invested in his education and in supporting his mental health. Instead of framing neurodiversity as a deficit, Gates’ family recognised it as a form of untapped potential. And, on reflection, Gates agrees. Seeing the world differently, he has said, is something he wouldn’t trade. 

These three themes come together in one story that really struck home to me. As a child Bill Gates attended church with his sister, and on one occasion this church issued a challenge: any young person who could memorize the entire Sermon on the Mount would earn a meal at the city’s iconic Space Needle in its lofty rotating restaurant. With his agile brain, his family relationships and his growing resilience Gates memorized the entire passage verbatim, passed the test, and earned his reward.  

Memorising 150 verses is no mean feat, but it wasn’t the end of the story. That challenge sparked a deeper interest, and Gates went on to read the entire Bible from cover to cover. He recognized that discovery as a vital part of his journey toward adulthood, forming part of the moral and intellectual foundation that would shape his later life. 

Gate’s story, as told in this first volume, isn’t just a biography of a tech mogul - it is a window into the formation of a complex human being. What emerges is not just a tale of one success, but a testament to the quiet, often overlooked forces that shape a life, a community, and a moral framework. The time spent with a grandmother, the vision of a school librarian, the stillness of a night spent under the stars, the power of a sacred text:  perhaps here is the true source of the man who is Bill Gates.  

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