The Financial Reality for Families Earning $30,000

Diabetes-related costs: 17% of $30,000 = $5,100 per year ($425 per month)
Emergency fund savings: 10% of $30,000 = $3,000 per year ($250 per month)
Congregation tithe: 10% of $30,000 = $3,000 per year ($250 per month)

Total before any other expenses: $11,100 per year ($925 per month)
Remaining for all other living expenses: $18,900 per year ($1,575 per month)

The Heartbreaking Dilemma

For families managing diabetes on a $30,000 income, that remaining $1,575 per month must cover:

• Rent or mortgage
• Utilities
• Food for the family
• Transportation
• Clothing
• Insurance premiums
• All other necessities

A Gentle Perspective on Difficult Choices

Many faithful families find themselves in an impossible position. They want to support their congregation and build financial security, but diabetes doesn’t give them that luxury of choice. Here’s what financial advisors and even many religious leaders understand:

Emergency funds aren’t optional with diabetes. Medical emergencies happen, and without that safety net, families can spiral into debt that makes their situation even worse.

Your health is your stewardship. Taking care of the body you’ve been given – including affording necessary medications and supplies – isn’t selfish; it’s responsible.

Temporary adjustments aren’t permanent abandonment. Many families reduce their tithing temporarily while building their emergency fund and getting their diabetes management costs under control. Once they’re financially stable, they can return to their desired giving level.

A Compassionate Approach

If you’re in this situation, consider:

• Speaking honestly with your religious leader about your medical expenses
• Starting with what you can afford – even $25/month to your congregation shows your heart
• Prioritizing that emergency fund until you have at least $1,000 saved
• Remember that taking care of your family’s health needs is also a form of faithful stewardship

The goal isn’t to choose between faith and health – it’s finding a sustainable balance that honors both your values and your family’s wellbeing.