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An economic crash is coming. Use these four tips to prepare financially—and spiritually—as Rod McNair reveals principles from Bible prophecy and Bible verses about stress, finances, and trusting God.
[The text below represents an edited transcript of this Tomorrow’s World program.]
Where is the world’s economy headed? Will the cost of living continue to climb? Will we see another recession—or worse yet, a full-blown economic meltdown?
These are not theoretical questions. Whether you own your own business, work for an employer, or are on a pension, your money is important. These questions affect your life.
Much of the financial news in our headlines is not good. We hear of tariffs and trade wars, fears of a recession, rising inflation—and we see the escalating prices first-hand in our grocery bills.
We see alarming news of a national debt in the U.S. that now sits at over $36 trillion. That’s a colossal mountain of debt that’s hard to comprehend. But debt is not just an American problem.
A number of countries in the Western world are also carrying extremely high debt, expressed as their debt ratio—the amount of debt in relation to GDP, or gross domestic product.
The World Population Review website lists the American national debt at 122% of GDP. That means that the debt accumulated by the government of the United States is significantly above the value of what the entire nation produces in a year. That should be deeply concerning to all of us.
And other nations aren’t far behind. France’s debt ratio sits at 111%. And Canada’s debt ratio is similar, at 108%. The United Kingdom’s is not far behind at 97.6%.
So many countries are carrying a sizable amount of debt. And all it takes is a few unexpected disasters—polycrises, as they are now beginning to be called—for prices to soar and jobs to disappear.
So what does the future hold for our Western nations? The sobering news is there are tough times ahead. But you and I can be ready. If you are concerned about the financial welfare of your children and grandchildren, you don’t want to miss today’s program on Tomorrow’s World.
We don’t have to face the future unprepared. We can be forewarned and forearmed. You can survive the coming crash. How?
Warren Buffett is the billionaire CEO of the American investment firm Berkshire Hathaway. He’s obviously been extremely successful in his life as an investor. When stock markets tumbled in response to tariffs announced by U.S. President Donald Trump on April 2, 2025, a number of market observers noted Buffett’s classic advice. That is, when things go bad:
(“‘Keep your head’ if you’re spooked by tariffs: Warren Buffett once suggested reading a 19th century poem when stocks fall,” MSN.com, April 3, 2025).
That is good advice. It’s easy to panic when the economy begins to sputter. And it’s tempting to worry about the future—especially when it comes to money.
But God doesn’t want us to be fearful about the future. Jesus was consistent in that message to His disciples. Matthew 11:28 records Him saying,
“Come to Me, all you who labor and are heavy laden, and I will give you rest.”
We can be heavy-laden with worries, fears, and doubts, especially when we recognize the dangerous times we’re living in. In Matthew 24:6, He told His disciples,
“See that you are not troubled; for all these things must come to pass, but the end is not yet.”
Later on, just before His arrest, trial, and execution, He repeated His comforting words, recorded in John 14:1.
“Let not your heart be troubled.”
God doesn’t want us to fret about tomorrow. And yet, He does want us to understand prophetic warnings for our time. Many of the prophecies of the Book of Ezekiel are intended for the end-time Israelite nations of our day. For a more detailed description of Ezekiel’s prophecies and their impact on the end times, check out the telecast by Gerald Weston entitled, “Ezekiel’s Message Unlocked.” You can find it on YouTube or TomorrowsWorld.org.
But let’s focus on one prophecy of Ezekiel for a moment. It’s found in Ezekiel chapter 7, starting in verse 1.
Moreover the word of the Lord came to me, saying, “And you, son of man, thus says the Lord God to the land of Israel: ‘An end! The end has come upon the four corners of the land. Now the end has come upon you, and I will send My anger against you; I will judge you according to your ways, and I will repay you for all your abominations. My eye will not spare you, nor will I have pity; but I will repay your ways, and your abominations will be in your midst; then you shall know that I am the Lord!’” (Ezekiel 7:1–4).
It’s a sobering glimpse of judgment on our Western nations. But why is that judgment coming? Because we have God’s testimony of how He wants us to conduct our lives—it’s called the Bible—and yet painfully few really live it.
Going on, notice what Ezekiel says conditions will be like as the end-time descendants of Israel fall (in Ezekiel 7:19).
They will throw their silver into the streets, and their gold will be like refuse; their silver and their gold will not be able to deliver them in the day of the wrath of the Lord; they will not satisfy their souls, nor fill their stomachs, because it became their stumbling block of iniquity (Ezekiel 7:19).
That’s describing a total economic collapse. When there’s no food, all the gold and silver in the world won’t do any good. And these conditions will spread around the globe.
During the Day of the Lord, when the trumpets of Revelation sound, people will no longer be concerned about whether they’ve bought gold or stocks or invested in real estate. They’ll just want to be safe and have enough to eat.
When Christ returns with power and glory, we want to be ready. And being ready for that day is not done by having a big salary or picking the right pension plan. Speaking of those days, Jesus said, in Luke 21:25,
“And there will be signs in the sun, in the moon, and in the stars; and on the earth distress of nations, with perplexity, the sea and the waves roaring, men’s hearts failing them from fear and the expectation of those things which are coming on the earth, for the powers of heaven will be shaken. Then they will see the Son of Man coming in a cloud with power and great glory. Now when these things begin to happen, look up and lift up your heads, because your redemption draws near” (Luke 21:25–28).
So, how can we look forward to the coming days of judgment with faith, and not fear? By identifying sound biblical strategies for surviving the economic storms to come.
We’re living in a consuming society. Especially in our affluent Western nations, we are used to spending money. Our economy is built around it. Sometimes we spend money for things we really don’t need. That’s the marvel of modern advertising. Marketers try very hard to create a supposed need for a product they’re selling—whether it’s pizza, tennis shoes, or a new car. They are masters at convincing us we need things that we really don’t. And if we’re not careful, we can get on a never-ending cycle where the chief activity of our life is just consuming things.
God spoke through the prophet Isaiah centuries ago of the need to buy what’s really important in life. Notice Isaiah 55:1.
Ho! Everyone who thirsts, come to the waters; and you who have no money, come, buy and eat. Yes, come, buy wine and milk without money and without price. Why do you spend money for what is not bread, and your wages for what does not satisfy? Listen carefully to Me, and eat what is good, and let your soul delight itself in abundance (Isaiah 55:1–2).
God is saying you’re spending your money, your time, and your energy on things that don’t really last. And this applies to us today, more than ever before.
We have distractions and time-wasters like no generation before us. Our phones are addictive. Social media is addictive. Even harmless pursuits—watching reruns of old TV shows, or watching sports, or doing puzzles or games, or reading about celebrities—can be addictive. But at the end of the day, what do our activities accomplish in our lives?
In other words, what are we spending our money and our time on? Because our time is our life.
Jesus spoke of the importance of thinking about what we consume. We need to not just focus on physical pursuits, but also, more importantly, on spiritual values. Notice what He said in John 6:27:
“Do not labor for the food which perishes, but for the food which endures to everlasting life, which the Son of Man will give you, because God the Father has set His seal on Him” (John 6:27).
Going on in verse 56:
“He who eats My flesh and drinks My blood abides in Me, and I in him. As the living Father sent Me, and I live because of the Father, so he who feeds on Me will live because of Me” (John 6:56–57).
We are to drink in and feed on the words of Christ. We must study His word every day, so we begin to think like Him, act like Him, follow His footsteps, understand His ways, and obey Him.
He summarizes it in verse 63:
“It is the Spirit who gives life; the flesh profits nothing. The words that I speak to you are spirit, and they are life” (John 6:63).
As we think about investing in the future, let’s make sure we are spending our money, our time, our energy, our focus on something that’s really going to last.
And that brings us to our next strategy for investing in these end-times.
Jesus taught His disciples to not just focus on the physical but, more importantly, invest in their spiritual lives. Notice what He said in Matthew 6:19.
“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also” (Matthew 16:19–21).
God wants us to remember that cars rust out, homes can burn down or be broken into, and money invested can disappear in moments. I know some who lost tens of thousands of dollars in the financial meltdown of 2008, company-sponsored 401Ks that lost much of their value overnight.
What can we depend on? And how should we face the future? Notice what Christ said in verse 25:
“Therefore I say to you, do not worry about your life, what you will eat or what you will drink; nor about your body, what you will put on. Is not life more than food and the body more than clothing? Look at the birds of the air, for they neither sow nor reap nor gather into barns; yet your heavenly Father feeds them. Are you not of more value than they? Which of you by worrying can add one cubit to his stature?” (Matthew 6:25–27).
If we recognize that God created us, formed us and gave us life, we must remember He can take care of us. He feeds the birds, He forms the blossoms on the trees, and He produces the fruit of the fields. That’s the focus we need to have, especially as we enter uncertain times (verse 31).
“Therefore do not worry, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For after all these things the Gentiles seek. For your heavenly Father knows that you need all these things. But seek first the kingdom of God and His righteousness, and all these things shall be added to you” (Matthew 6:31–33).
Christ is bringing that Kingdom when He returns. We are to seek to be in that Kingdom as the number one priority in our life. And with it, we are to seek for His righteousness. We learn His righteousness by diving into His word every day. It’s not just a sentimental feeling, but a necessity of life as much as the air we breathe.
We don’t need to worry about the coming difficult times, if we’re investing in the right things—His Kingdom and His character, in our life.
Another strategy for facing economic crises in the end times is:
Some of us may have an inheritance being left to us. If you do, consider that a blessing. But if you don’t have a “rich uncle” in your family, don’t despair. You actually have a Father in Heaven who is not just a rich uncle, but who owns everything. And when I say everything, I mean literally everything. Notice what the prophet Haggai said in Haggai 2:8:
“The silver is Mine, and the gold is Mine,” says the Lord of hosts.
Now, stop and think for a moment. If we are a little short on cash—or maybe a lot short on cash—let’s remember the resources that our Father in Heaven has. They are unlimited. He owns everything in the entire galaxy—in the entire Universe. He made the Universe.
Can He provide for us? Does He know our needs? As Paul wrote, in Philippians 4:19,
… My God shall supply all your need according to His riches in glory by Christ Jesus.
And He is rich. That’s not a metaphor. He literally owns everything. We must not forget that. And what’s more, He wants to give it to us as an inheritance, David wrote in Psalm 16:5,
O Lord, You are the portion of my inheritance and my cup; You maintain my lot. The lines have fallen to me in pleasant places; yes, I have a good inheritance.
David said, “God—You are my portion—You are my inheritance—I’m going to know You and live with You for all eternity. That’s my inheritance!”
And Hebrews 2:8 gives more details when it says we will inherit “all things.” “All things” ultimately includes the entire physical Universe. Think about that! The destiny of man—and that means you and me—is to inherit portions of the galaxies to work in, to tend, to beautify in ways we can’t now fully fathom. What a tremendous inheritance waiting for us from our Father.
If we don’t have great wealth in this life, that’s ok. If we give our lives to God, He has great plans for us in the life to come.
And the last strategy?
Our God has given us life and breath. He’s given us the chance to know the joys of life. And certainly, we learn through the sadness of pain and suffering in this flesh as well. It’s all for a purpose. He wants us to learn to trust Him and love Him and submit to His way, for our good forever. He wants to grant us salvation through His Son. He wants us to live in His Family. But we must believe Him, repent of our sins, obey Him, and come under the blood of Jesus Christ.
When we grasp that our Father has given us every good and perfect gift—as the Apostle James notes in James 1:17—then we ought to be willing to give back to our Father as well. And that is what He teaches us.
A good explanation of it is found in Malachi 3, beginning in verse 8.
Will a man rob God? Yet you have robbed Me! But you say, “In what way have we robbed You?” (Malachi 3:8).
Who would ever have the audacity to rob God? And yet that’s exactly what He says happens. He explains later in the verse (again, in verse 8),
… You say, “In what way have we robbed You?” In tithes and offerings (Malachi 3:8).
The word “tithe,” is just an old word meaning “tenth.”
It’s the biblical command for God’s people to “tithe,” or give a tenth of their income back to Him in acknowledgement of His blessings and guidance in their life. Not tithing to God, He says is, in effect, robbing Him. Going on, notice what He says as a result of His people not tithing. We pick it up in verse 9.
“You are cursed with a curse, for you have robbed Me, even this whole nation. Bring all the tithes into the storehouse, that there may be food in My house, and try Me now in this,” says the Lord of hosts, “if I will not open for you the windows of heaven and pour out for you such blessing that there will not be room enough to receive it. And I will rebuke the devourer for your sakes, so that he will not destroy the fruit of your ground, nor shall the vine fail to bear fruit for you in the field,” says the Lord of hosts; “and all nations will call you blessed, for you will be a delightful land,” says the Lord of hosts (Malachi 3:9–12).
Let this sink in. There are individual consequences and national consequences for not tithing. And what better way to prepare for hard times ahead than to show God our loyalty and faithfulness in tithing to Him now? He promises to provide for those who put Him first.
In our Western world, how many of us faithfully tithe to the God of Heaven, who gives us rain in due season, and sunshine to give warmth and to make the crops grow? Are we acknowledging the God of Heaven who gives us every beat our heart makes?
Giving a little bit back to the God who has given us all things—and plans to give us even more as an inheritance—is really just a small sacrifice. Going on in verse 16.
Then those who feared the Lord spoke to one another, and the Lord listened and heard them; so a book of remembrance was written before Him for those who fear the Lord and who meditate on His name. “They shall be Mine,” says the Lord of hosts, “on the day that I make them My jewels. And I will spare them as a man spares his own son who serves him” (Malachi 3:16–17).
Gold, silver, money, real estate, or bank accounts will not be a protection in the coming hard times. When financial crises strike, we want God to be with us—which means we need to be with Him.
“Beware that you do not forget the Lord your God by not keeping His commandments, His judgments, and His statutes which I command you today, lest—when you have eaten and are full, and have built beautiful houses and dwell in them; and when your herds and your flocks multiply, and your silver and your gold are multiplied, and all that you have is multiplied… then you say in your heart, ‘My power and the might of my hand have gained me this wealth.’ And you shall remember the Lord your God, for it is He who gives you power to get wealth…” (Deuteronomy 8:11–13, 17–18).
Where will our Western economies go in the months and years ahead? Will we have a bumpy road economically? It may go up, it may go down for a while, but at some point, if our nations don’t repent, God will allow us to hit rock bottom.
Wherever the road takes us, we need to be wise, careful, and use common sense in regard to how we handle money. But above all, we need to keep the big picture. And the big picture is there’s a God in Heaven who made us and provides us with everything we need if we wholeheartedly look to Him. And He’s planning a great destiny in His Kingdom forever if we’re willing to give our lives to Him.
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The Creator has a financial law that applies to true Christians today, and He blesses those who obey this law in faith.