Unveiling Clients' Money Problems Through Powerful Counseling Questions

When it comes to counseling clients on their personal finances, the ultimate goal should always be to lead them toward a transformative encounter with God. As Christian financial counselors, our role is not to be the solution to their problems but to facilitate a deeper understanding of their struggles and guide them toward the redemptive work that only Christ can provide. To accomplish this, asking meaningful questions is crucial. By delving into the heart of their money problems, we can establish trust, gain insights, and create a platform for spiritual growth and financial change.


Probing the mindset

To initiate the process, it is important to understand the initial thoughts and reactions that arise within clients when they confront their bank accounts. By asking, "What came into your mind as you saw your bank account?" we can gain insight into their immediate emotional response. This question opens the door for exploration and reveals their initial mindset.


Identifying current struggles

To truly address their financial challenges, it is important to identify what clients are currently struggling with the most. By asking, "What are you struggling with most right now?" we encourage them to vocalize their deepest concerns and obstacles. This question allows us to uncover the underlying issues affecting their financial well-being.


Unforeseen challenges

Life often presents unexpected hurdles that can deeply impact our financial situations. By asking, "What are you facing now that you thought you would never face?" we provide clients with the opportunity to share their feelings of surprise, disappointment, and frustration. This question enables us to empathize with their struggles and provide targeted guidance.


Unveiling emotions

Money problems can trigger a wide range of emotions. By asking, "What are you feeling?" we create a safe space for clients to express their emotions and reveal the emotional toll their financial situation has taken on them. Understanding their emotional state allows us to address the underlying issues that contribute to their money problems.


Exploring fear and hopelessness

Fear often accompanies financial struggles, leading to a sense of hopelessness. By asking, "What are you afraid of right now?" and "Do you feel hopeless?" we encourage clients to articulate their deepest fears and concerns. These questions help us address the emotional and psychological barriers that hinder progress and instill hope in their journey toward financial transformation.


Evaluating the perception of God

One's perception of God during times of financial hardship can significantly impact their ability to navigate through challenges. By asking, "Describe how you see God right now?" and "How do you think he is working in this situation?" we open the door for clients to reflect on their spiritual perspective. These questions help them align their understanding of God's role in their financial journey and seek His guidance.


Inviting divine intervention

Asking, "What would you ask God right now?" allows clients to express their innermost desires, concerns, and questions to the Divine. This question encourages them to seek spiritual guidance and comfort, reinforcing the understanding that God is present in their financial struggles.


Embracing the impossible

Financial hardships can make clients feel overwhelmed as if the challenges they face are insurmountable. By asking, "Do you feel like God is asking you to do the impossible?" we challenge their perspective and encourage them to embrace faith-driven action. This question reminds them of God's ability to bring about miracles and move beyond their current limitations.


Unveiling sleepless thoughts

Lingering thoughts that keep clients awake at night often reflect the depths of their worries. By asking, "When you can't sleep, what thoughts keep you awake?" we create an opportunity for them to express their anxieties and fears. Understanding these thoughts helps us as counselors address the root causes of their sleeplessness and develop strategies for peaceful financial management.


Pinpointing the source of discontent

Financial difficulties can affect various aspects of clients' lives. By asking, "What part of the situation is getting to you most?" we enable them to identify the specific areas causing the most distress. This question allows us to prioritize areas for improvement and tailor our coaching approach accordingly.


Confronting regrets

Regrets often weigh heavily on individuals struggling with money problems. By asking, "What regrets do you struggle with?" we invite clients to confront their past financial decisions and emotions associated with them. This question promotes self-reflection and empowers clients to release guilt, offering a fresh start toward financial healing.



As Christian financial counselors, it is essential to remember that our role extends beyond addressing the surface-level problem of debt. By asking these thought-provoking questions and actively listening to clients, we create an atmosphere of trust and understanding. Through this horizontal trust, we open the door for God's transformative work in their lives. By focusing on God's redemptive power and encouraging clients to seek a deeper spiritual connection, we empower them to embark on a journey toward lasting financial change.

About the Author: Katie Jones is a CertCFCTM the founder of Agape Investing, where she helps young professionals learn excellent money management skills that are rooted in the gospel so they can free their money up to pursue their unique calling.

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