Have you heard about compounding? It is a financial superpower that is yours to wield. No origin story necessary. 

When it comes to building wealth, few forces are as powerful as compounding. Compounding simply means your money is working, and then what your money earns is also working. It’s growth on top of growth. God calls us to be wise stewards of what He has entrusted to us, and understanding compounding is one way we can honor Him with the resources He’s provided.

Here are six things you need to know about compounding:

1. Time multiplies your money’s potential.

The earlier you start saving and investing, the more time your money has to grow. Think of it as planting a seed—the sooner you put it in the ground, the more time it has to take root and flourish. Wise stewardship recognizes that time is a gift from God, and using it well can lead to greater impact for His kingdom.

2. Small steps create big results.

Don’t underestimate the power of small, consistent contributions. Even if you can only set aside a little, when given enough time, compounding can turn those small steps into significant progress. Faithful stewardship isn’t about the size of the starting point, but about consistency and trust in God’s provision.

3. Reinvesting fuels growth.

When you reinvest your returns—dividends, interest, or gains—you give compounding the fuel it needs to accelerate. The resources God provides aren’t just for our immediate consumption; when we put them back to work, they can grow and be used for greater kingdom purposes.

4. Patience unlocks the greatest rewards.

Compounding takes time to reveal its full power. At first, it may not seem like much is happening. But the longer you stay invested, the more incredible the growth becomes. Good stewardship requires patience and trust—believing that steady faithfulness today leads to fruitfulness tomorrow.

5. Growth accelerates over time.

Compounding often feels slow at first, but momentum builds. Over decades, that growth curve steepens in remarkable ways. In the same way, faithful financial stewardship is often about steady obedience, knowing that God can multiply what we commit to Him over time.

6. Higher returns magnify impact.

Even a small increase in returns can create a dramatic difference over the long haul. This is why being thoughtful about where you invest matters. As stewards, we’re called to wisely manage God’s resources so that they can be maximized for His purposes.

Compounding is a powerful tool God has given us to grow the resources He entrusts to us. By starting early, being consistent, reinvesting, exercising patience, and seeking wise growth, we can multiply what God has placed in our hands—for our family, for others, and ultimately for His kingdom.